Free tools
Free calculators and checklists for high-risk merchant teams.
Use these tools to review chargeback pressure, Visa VAMP exposure, rolling reserves, refund movement, processor holds, billing descriptors, and dispute evidence before the account becomes urgent.
Calculators
Diagnose the numbers first.
Core calculator
Chargeback Rate Calculator
Calculate chargeback and refund pressure before processor thresholds become the conversation.
Visa VAMP tool
Visa VAMP Calculator for High-Risk Merchants
Estimate Visa VAMP exposure and understand whether dispute and fraud pressure may create processor-risk concerns.
MID protection tool
MID Termination Risk Checker
A practical checklist for merchants worried about account shutdown, reserve increases, payout holds, or processor review.
Reserve tool
Rolling Reserve Calculator
Estimate how a rolling reserve affects available cash flow and what risk signals may cause reserve pressure.
Refund risk tool
Refund Rate Calculator
Calculate refund pressure and understand how refund spikes can interact with chargebacks and processor-risk reviews.
Templates and checklists
Turn scattered evidence into a clean response file.
Processor hold resource
Payment Processor Hold Checklist
Merchants searching this are usually under urgent payout pressure and need a calm documentation checklist.
Remediation template
Chargeback Remediation Plan Template
Merchants asked for a remediation plan need a serious format that does not look improvised.
Descriptor resource
Billing Descriptor Checklist
Descriptor confusion is one of the simplest preventable causes of friendly-fraud and not-recognized disputes.
Evidence resource
Chargeback Evidence Checklist
Merchants fighting disputes need to organize proof before response windows or processor reviews become urgent.
Shareable resource
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If you write about chargebacks, payment processing, high-risk merchant accounts, or processor holds, you can link directly to this free tool library.