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Recover up to 75% of declined transactions.

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Increase approvals across every gateway.

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500+ integrations with systems your team already loves.

Drag and drop landing page builder showing product selection, upsells, and express checkout

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Mastercard GMAP Risk Simulator

Enter one to three months of Mastercard data to see where you'd land under the new Global Merchant Audit Program and what the assessments could cost. Preliminary model based on Mastercard's July 2026 announcement.

Mastercard GMAP Risk Simulator

Enter your Mastercard numbers for the latest month (add up to two earlier months to track the trend and the three-month cure rule). The simulator shows where you'd land under the Global Merchant Audit Program, effective April 1, 2027, and what the assessments could cost.

Preliminary model. Built from Mastercard's July 28, 2026 announcement and acquirer summaries. Several details are still unconfirmed — see what's known and what isn't below. Verify results with your acquirer.
Where do I find these numbers?

All figures are Mastercard-only. Your acquirer or processor reports them; the names vary by provider.

Sales and transactions

  • Filter your settlement or transaction report by card brand. GMAP compares this month's disputes against last month's sales, so each row needs the prior month's sales figure.

Fraud claims (SAFE)

  • Issuer fraud reports filed to Mastercard's Fraud and Loss Database. Ask your acquirer for your monthly SAFE report; Stripe shows these as "Early fraud warnings" for Mastercard cards.

Chargebacks

  • Your disputes / chargebacks report. For the dollar field, exclude chargebacks filed under fraud reason codes 4837, 4870, 4871 and 4849 (those are counted through SAFE). For the count field, include every Mastercard chargeback.
GMAP Ratio
0.00%
Safe

Program Status

Compliant

Total Disputed Dollars

$0

Chargeback-to-Transaction Ratio (ECM)

0.00%

Don't Just Monitor Risk—Eliminate It.

GMAP counts fraud reports even when they never become chargebacks. Sticky.io's partnership with industry-leader Kount provides a complete fraud shield, actively lowering your fraud claims and keeping you out of Mastercard's audit tiers.

Learn About Fraud Protection

Get ahead of GMAP before April 2027

Talk to our team about fraud prevention, dispute management and payment orchestration for subscription brands.

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More calculators

Payments & Risk
VAMP Risk Simulator

Enter your monthly Visa data to see where you stand against VAMP's 1,500-item and 1.5% thresholds, track a three-month trend and estimate enforcement fees.

Open simulator