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Understanding Industry Guidance vs Official Thresholds
Payment processors monitor below official card network limits. Understanding this difference helps you maintain account health.
Official Card Network Thresholds
Public limits from Visa, MC, Amex
Industry Guidance Thresholds
Monitoring levels used by processors
Why Processors Monitor Below Official Limits
Regulatory Cascade Effect: Visa holds acquirers (like Stripe) responsible for their entire portfolio. If an acquirer's portfolio-wide average exceeds 0.5%, Visa can impose enforcement fines. Acquirers then set stricter merchant limits (typically 0.7%-1.0%) to maintain buffer and avoid these penalties.
Industry Guidance: The 0.75% threshold is widely referenced as industry guidance for "excessive" dispute activity. While not official processor policy, it represents common monitoring practices across payment processors.
Timeline (Nov 2025): Visa VAMP enforcement began October 1, 2025 (1.5% threshold). The threshold drops to 0.9% on January 1, 2026, with acquirer portfolio limits tightening to 0.5% simultaneously.
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