Track your dispute ratios against card network thresholds. Get alerted to hidden account restrictions. Runs inside your Stripe Dashboard.
Read-only access. 60-second setup. Cancel anytime.
| This wk | Last wk | Change | |
|---|---|---|---|
| Dispute ratio | 0.80% | 0.66% | +0.14% |
| Fraud ratio | 1.04% | 0.84% | +0.20% |
| Decline rate | 11.48% | 8.45% | +3.03% |
| Health score | 63 | 85 | -22pts |
Decline count today (470) is 2.1 standard deviations above your 30-day average (256).
Review Radar logs. Consider enabling CAPTCHA or rate limiting.
4.8 million businesses. Zero visibility into when their next payout gets held.
Trustpilot rating
Maximum fund hold
Monthly ECM fine
How it works
One click from the Marketplace. Read-only access to disputes, charges, and account status.
VAMP and ECM ratios from the rolling 30-day window. Health score from 0 to 100.
Email when ratios cross 0.5%, 0.75%, 1.0%, or 1.5%. Or when Stripe silently flags your account.
What we monitor
Your dispute ratio tracked against the Visa VAMP 1.5% threshold and Mastercard CMM/ECM 1.0% / 1.5% programs. Calculated from the rolling 30-day window. Updated daily.
Watches the account.updated webhook for changes to requirements.currently_due and capability status. You get an email before Stripe sends you one.
Flags when your decline rate crosses the 20% Visa enumeration threshold. Detects card-testing bot patterns from abnormal transaction velocity.
If you breach a threshold, get a remediation plan with the corrective steps: enable 3D Secure, configure Radar rules, prepare dispute evidence templates.
Actionable intelligence
See whether your dispute ratio, fraud ratio, and decline rate are trending up, down, or flat. Every metric shows a direction arrow and the exact delta so you can spot problems early.
Based on your current trend velocity, ShieldScore projects how many days until you hit each card network threshold. If your ratio is climbing, you know exactly how long you have to act.
See every recent dispute with the amount, reason code, and exactly how much it moved your ratio. Know which disputes cost the most and prioritize your responses.
Submit tracking number, carrier, and delivery confirmation.
Every dispute comes with tailored advice based on the reason code: what evidence to submit, which Stripe fields to fill, and your estimated win rate.
Compare your dispute ratio against the average for your industry. Know whether you are performing better or worse than peers in e-commerce, SaaS, subscriptions, or travel.
ShieldScore uses read-only OAuth access. We can see your dispute and charge counts but cannot move funds, create charges, or access cardholder data.
Install ShieldScore from the Stripe App Marketplace. We pull your rolling 30-day dispute and fraud data, calculate your ratios against the Visa VAMP 1.5% and Mastercard CMM/ECM 1.0%/1.5% thresholds, and return a health score from 0 to 100.
You get an email alert when your ratios cross warning thresholds. We alert at 0.5%, 0.75%, 1.0%, and 1.5% so you have time to act before card network penalties start.
No. Stripe Health Alerts monitors API errors and integration health. ShieldScore monitors compliance risk: dispute ratios, fraud ratios, and hidden account restrictions. Different problems.
Yes. No contracts, no commitment. Cancel from the Stripe App Marketplace anytime.
Start monitoring your Stripe account health. Takes 60 seconds.
Install from StripeRead-only access. Free to start. Cancel anytime.