Card networks watch your dispute ratio against limits they publish, and most stores learn they crossed one when their payouts stop. Ratio Intelligence puts that limit in front of you while there is still room to act.
Your estimated ratio month by month against Visa’s 1.5% excessive threshold, with the month you are reading it in marked.
Predispute estimates your dispute ratio every day from your own orders and disputes, then measures the distance to the limits each card network publishes and reads it back as time to threshold. Under Visa’s Acquirer Monitoring Program the ratio that marks a merchant excessive tightened to 1.5% on 1 April 2026, and the two acquirer levels below it, 0.50% and 0.70%, are where an acquirer starts restricting payouts long before Visa acts on you directly. You see how many months you have at your current rate before you reach each one.
Every screen labels the ratio as estimated. The official figures are built partly from fraud reports you never see, so no merchant can reproduce them exactly. Predispute models the ratio from your own data, close enough to tell you where you stand and how fast you are moving.
Visa’s excessive dispute-ratio threshold drops from 2.2% to 1.5% on April 1, 2026. The margin for error is shrinking on a published schedule.
Monitor is free, installs on Shopify or Stripe in minutes, and shows your estimated ratio the day you connect.