If you’re an OnlyFans creator, you already know chargebacks can be a nightmare. They don’t just take money out of your pocket; they put your entire account at risk. And now, with Visa’s new Acquirer Monitoring Program (VAMP), the stakes have gotten even higher.
Before you say What do I care? Know that it could cost you your entire account. OnlyFans has to follow these rules with Visa, and that means you do too. OnlyFans isn't going to risk its ability to process credit cards because of you.
A chargeback occurs when a customer goes to their bank and claims, “I didn’t make this purchase” or “I didn’t get what I paid for.” The bank then forces a refund, regardless of your opinion. For creators, this means:
In the past, maintaining a chargeback ratio below 1% was considered the magic number. Anything higher, and you risked suspension or termination.
But now, thanks to Visa’s new rules, that “safe zone” has been cut in half.
Launched in 2025, Visa’s VAMP (Visa Acquirer Monitoring Program) is a complete overhaul of how disputes and fraud are managed.
It replaces older systems (VDMP and VFMP) that allowed merchants up to 0.9% dispute ratios. Instead, VAMP holds acquirers (banks and payment processors) accountable.
Here’s what that means in plain English:
Which means: your chargebacks = their problem. And they won’t risk losing Visa over it.
The math is simple but brutal: VAMP Ratio = (Fraud Reports + Disputes – Resolved Cases) ÷ Total Transactions
What counts against you:
What helps lower it:
The worst part about this new system is that there are no time limits; disputes can arise months later. In the past, it was typically 90 days. That isn't the case anymore. Also, there are no longer any caps. Now, a single fan can rack up an unlimited number of chargebacks.
However, the most significant change is that a single chargeback can now be counted against you twice, as a single transaction can trigger both fraud and dispute flags. So even though they only take the money away from you once, the risk to your account is twice as high.
The adult industry has very few acquirers willing to process payments. Unlike Amazon or Netflix, OnlyFans can’t balance “risky” merchants with millions of safe ones.
This means:
In other words, Visa doesn’t care about you individually, but OnlyFans will start caring, because your chargebacks could sink their entire payment processing.
As of today, OnlyFans still lists 1% as the chargeback policy. But with Visa’s October enforcement date, it’s not a question of if that changes — it’s when.
Creators who disregard this will risk having their accounts shut down. Creators who take it seriously will stay safe, keep payouts flowing, and prove they’re a low-risk merchant worth keeping.
Chargebacks aren’t new, but Visa’s VAMP policy has raised the stakes. For OnlyFans creators, this isn’t just another payment update, and it’s a direct threat to your income.
The smart move? Start managing your chargeback ratio today. Deliver on your promises, use OnlyFans’ built-in tools, and resolve disputes early whenever possible.
Because at the end of the day, Visa doesn’t care if you lose your account. Only you do.
Pro tip: Bookmark your Chargeback Stats Dashboard and check it on the first day of every month. If you see a guy who has done a bunch of chargebacks, block him. Don't give him a chance to keep doing it to you and put your account at further risk.