---
title: "Network Scheme Compliance Simulator · Visa VAMP · Mastercard DIMP · RBE·12"
method: POST
path: "/v1/tools/scheme_compliance_simulator"
---

# Network Scheme Compliance Simulator · Visa VAMP · Mastercard DIMP · RBE·12

`POST /v1/tools/scheme_compliance_simulator`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/scheme_compliance_simulator`
- Auth: none declared

Browser-based Visa VAMP and Mastercard DIMP/VIMP threshold simulation engine. Separate acquirer vs. merchant thresholds with phased timelines. VAAI enumeration rate as third compliance dimension. Generates remediation action plan and Policy Mandate JSON scheme compliance mandate. Zero PII. Client-side. Works offline.

**Tool URL:** https://ainumbers.co/tools/rbe-12-scheme-compliance-simulator.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `entity_type` 'merchant' | 'acquirer' | 'payment_facilitator', required
  - `region` 'US' | 'Canada' | 'EU' | 'APAC' | 'LATAM' | 'Other'
  - `mcc` string: 4-digit Merchant Category Code
  - `monitoring_period` string: YYYY-MM — affects which phased threshold applies
  - `months_in_monitoring_period` integer
  - `tc40_count` integer, required: TC40 fraud alert count for the monitoring period
  - `tc15_count` integer, required: TC15 non-fraud dispute count
  - `excluded_count` integer: CE 3.0 / pre-dispute excluded transactions
  - `settled_cnp_count` integer, required: Total settled CNP transactions (VAMP denominator)
  - `total_transactions` integer: Total monthly transactions (for VAAI enumeration rate)
  - `confirmed_enumerated_count` integer: VAAI-confirmed enumerated transactions
  - `fraud_amount_eur` number: Mastercard DIMP fraud amount
  - `total_sales_eur` number: Mastercard DIMP total sales volume
  - `cnp_dispute_count` integer: Mastercard VIMP CNP dispute count
  - `total_cnp_count` integer: Mastercard VIMP total CNP transactions

## Response `200`

Successful tool execution result

- object
  - `visa_vamp` object
    - `vamp_ratio` number
    - `status` 'green' | 'early_warning' | 'above_standard' | 'excessive' | 'amber'
    - `headroom_transactions` integer
    - `enforcement_fee_exposure_usd_per_month` number
  - `visa_vaai_enumeration` object
  - `mastercard_dimp` object
  - `mastercard_vimp` object
  - `breach_risk_score` number
  - `remediation_controls` unknown[]
    - unknown
  - `what_if_scenarios` unknown[]
    - unknown
  - `ap2_mandate` object

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)