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 Last Reviewed · 2026-04-01
Entity Type
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
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
—
VAMP Ratio
Enter values above
VAAI Enumeration Rate (v3 — independent compliance dimension)
—
VAAI Enum. Rate
Threshold: 20% (if ≥300k txns)
C — Mastercard DIMP / VIMP Inputs
DIMP — Data Integrity Monitoring Program
—
DIMP Ratio
Threshold: 0.10%
VIMP — Visa/MC Issuer Monitoring Program (if applicable)
—
VIMP Ratio
Threshold: 0.30%
E — What-If Scenario Simulator
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
{
  "tool_id": "rbe-12-scheme-compliance-simulator",
  "version": "1.0.0",
  "title": "Network Scheme Compliance Simulator",
  "category": "ai",
  "ap2_export": true,
  "mandate_type": "scheme_compliance_mandate",
  "mcp_tool_definition": {
    "name": "simulate_scheme_compliance_thresholds",
    "description": "Simulate Visa VAMP and Mastercard
DIMP/VIMP threshold positions. Compute ratios,
RAG status, headroom, what-if, remediation.",
    "inputSchema": {
      "type": "object",
      "required": ["entity_type","tc40_count",
        "tc15_count","settled_cnp_count"],
      "properties": {
        "entity_type": { "type": "string" },
        "mcc": { "type": "string" },
        "region": { "type": "string" },
        "tc40_count": { "type": "integer" },
        "tc15_count": { "type": "integer" },
        "settled_cnp_count": { "type": "integer" }
      }
    }
  },
  "execution": {
    "type": "browser-javascript",
    "entry": "tools/rbe-12-scheme-compliance-simulator.html",
    "function_name": "runAnalysis",
    "timeout_ms": 5000
  }
}