In Visa Dispute Monitoring Program, what are the Standard thresholds and fines?

• A. 100 disputes and 0.9%; fines begin after 4 months and continue monthly until removal
• B. 75 disputes and 0.65%; no fines
• C. 1000 disputes and 1.8%; fines begin immediately
• D. 50 disputes and 0.5%; fines begin after 2 months

Answer: (C)

Visa's Dispute Monitoring Program uses two metrics to flag merchants: the total number of disputes and the dispute rate relative to total transactions. When activity crosses a defined threshold for both, the merchant enters the monitoring program and can incur penalties. The standard setup includes fines that begin immediately after crossing the threshold, signaling the seriousness of persistent disputes and pushing for corrective action. This combination emphasizes swift accountability for high-chargeback merchants. Other option framings would either set lower, more lenient limits or delay penalties, which would not align with Visa's aim of discouraging ongoing dispute activity.