Visa Just Made Chargebacks Twice as Dangerous for OnlyFans Creators

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.

What Are Chargebacks, Really?

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:

• You lose the money from that transaction.
• You may also incur additional fees.
• Too many chargebacks, and OnlyFans can flag your account as “high risk.”

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.

The New Era: Visa’s VAMP Program

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:

• Acquirers must keep their portfolio’s dispute ratio below 0.5% (eventually tightening to 0.3%).
• If they don’t, Visa can fine them or cut them off.
• Since OnlyFans is a high-risk merchant, they’ll be under the microscope.

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:

• Fraud (TC40s) – reported stolen/unauthorized transactions.
• Disputes (TC15s) – customers saying “not what I ordered” or “I never got it.”

What helps lower it:

• RDR (Rapid Dispute Resolution): Refund before a chargeback hits. Unfortunately, this is something you can't control. OnlyFans support can assist you, but you can suggest that the subscriber contact OnlyFans support to request a refund if they are unhappy.
• CE3.0 (Compelling Evidence 3.0):  submitting proof that the fan received the content. This is why it's essential to do what you say you are going to do and consistently deliver through the platform. If a subscriber requests that you deliver content through Dropbox or email, you must decline and inform them that the platform doesn't allow this.

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.

Why OnlyFans Creators Should Worry

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:

• Every single creator’s dispute ratio matters.
• OnlyFans will enforce stricter thresholds to protect its acquirer relationships.
• If chargebacks rise above 0.5%, OnlyFans could suspend accounts just to stay compliant.

In other words, Visa doesn’t care about you individually, but OnlyFans will start caring, because your chargebacks could sink their entire payment processing.

Here are proven ways to reduce disputes and protect your account:

• Set clear delivery times. For customs, always give an ETA (no more than 10–14 days).
• Stay on-platform. Deliver everything through OnlyFans. If you email or DM it, fans can claim they never got it.
• Deliver exactly what you promise. If they bought a 5-minute video, make sure it’s 5 minutes.
• Communicate. Keep fans updated if delays happen. Silence breeds disputes.

Mistakes That Trigger Chargebacks

• Ignoring custom requests for weeks. If you took his money, deliver the custom video.
• Delivering shorter/lower-quality content than promised.
• Sending content outside the platform.
• Being vague about what fans will receive. Be specific. In fact, be very specific.

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.