RBE·12 · RBE Deterministic Suite · Network Scheme Compliance VAMP Enforcement Live · Oct 2025

Network Scheme Compliance Simulator

Simulate Visa VAMP ratios and Mastercard DIMP/VIMP thresholds with phased enforcement timelines. Separate acquirer vs. merchant thresholds. VAAI enumeration rate as a third compliance dimension. Headroom calculation, what-if scenarios, enforcement fee exposure, and deterministic remediation action plan.

Visa VAMP Framework VAAI Enumeration Mastercard DIMP/VIMP Jan 2026 · Apr 2026 Phases Enforcement Fee Exposure Policy Mandate · Zero PII

⚡ Client-side · No server calls

🔒 Zero PII

📦 MCP-compatible · manifest.json

v RBE Suite v1.0

A: Entity Configuration v1.0

Entity Type

Merchant Acquirer / ISO Payment Facilitator

Region

Monitoring Period

Months already in monitoring

MCC (Primary)

Processing Currency

Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.

Educational Use Only This tool provides a self-assessment / educational framework for internal planning purposes only. It is not a regulatory audit, legal advice, or a substitute for a formal compliance review by a qualified advisor. Verify all interpretations against the official source text and applicable RTS/ITS/guidance published by the relevant authority.

B: Visa VAMP Inputs

TC40 Fraud Alerts (count)

TC15 Non-fraud Disputes

Excluded (CE 3.0 / pre-dispute)

Settled CNP Transactions

Settled Card-Present Transactions (ref.)

VAMP Ratio

Enter values above

VAAI Enumeration Rate (v3: independent compliance dimension)

Total Monthly Transactions

Confirmed Enumerated Transactions

VAAI Enum. Rate

Threshold: 20% (if ≥300k txns)

C: Mastercard DIMP / VIMP Inputs

DIMP: Data Integrity Monitoring Program

Fraud Amount (€)

Total Sales Volume (€)

DIMP Ratio

Threshold: 0.10%

VIMP: Visa/MC Issuer Monitoring Program (if applicable)

CNP Dispute Count

Total CNP Transactions

VIMP Ratio

Threshold: 0.30%

E: What-If Scenario Simulator

Scenario Type

Adjustment (count or %)

Run

Simulate & Export

Compliance Summary

About this tool

Three compliance dimensionsVisa VAMP ratio (fraud + disputes / settled CNP), VAAI Enumeration Rate (separate identification trigger, effective June 2025), and Mastercard DIMP/VIMP. Each is independent: a merchant can breach on enumeration even if VAMP ratio is green.

Phased thresholdsAcquirer bands (EW 0.4% / AS 0.5% / Excessive 0.7%) effective January 2026. Merchant tightening from 2.2% to 1.5% in April 2026 for US/Canada/EU/APAC. LATAM remains at 1.5%.

Grace period logicFirst-time identification carries a 3-month grace period before enforcement fees begin. Fees: $4/txn (Above Standard) or $8/txn (Excessive).

Regulatory coverageVisa VAMP Framework (Oct 2025) · Visa VAAI (Jun 2025) · Mastercard DIMP/VIMP · PSD2 Art. 96