Your month
210
Chargebacks with a fraud reason code36,000
$68,000
How it's worked out
SAFE-reported fraudSettled sales transactions, previous month
Mastercard divides one month's events by the month before's sales. Network Health computes it the same way inside the app.
What this counts
Only the fraud rate (0.5%) and net fraud volume ($50,000) are modelled. Mastercard's other entry conditions — at least 1,000 e-commerce payments, the 3-D Secure share, and the Australian values — are not, so a status here is an estimate and never official programme standing.
EFM Status
0.58%
Excessive Fraud Merchant (EFM)
- Ratio 0.58%, threshold 0.50%
- Fraud chargeback amount: $68,000, threshold $50,000
The bands
Excessive Fraud Merchant (EFM)0.50%
- Ratio at or above 0.50%
- At least $50,000 in fraud chargebacks
This is where your month lands.
This ratio, every day, from your own transactions
Network Health reads your settled sales, fraud reports and disputes, tracks this ratio daily and forecasts where the month ends before it does.