Tool 51 · Core Infrastructure · Card Economics

VDCAP Payload Auditor & Card Fee Optimizer

Paste a CNP payment payload and audit it against Visa's April 2026 VDCAP requirements. Detect missing fields, estimate annual fee savings, validate 3DS 2.x flags, and decode ISO 8583 bitmaps: entirely in-browser. Zero PII leaves the tab.

v1.0 VDCAP April 2026: … ISO 8583 Decoder Fee Savings Estimator

Payload Input

Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.

Annual processing volume ($)

Estimated Annual Fee Impact at Your Volume

Fee Leakage / Year

Recoverable Savings

Data Quality Score

Field-by-Field Audit

Status	Field	Impact

ISO 8583 Bitmap Decoder

128-bit primary + secondary bitmap. Green cells = field present in message.

Click any bit cell to see the ISO 8583 field definition.

VDCAP Field Requirements (Apr 2026)

Required Recommended Optional

Visa Interchange Tier Reference

CPS/Card Not Present	1.80% + $0.10
CPS/e-Commerce Basic	1.87% + $0.10
CPS/e-Commerce Preferred	1.65% + $0.10
Verified by Visa (3DS)	1.75% + $0.10
Network Token (VTS)	1.58% + $0.10
VDCAP Full Compliance	1.45%–1.55% est.

Rates are illustrative published benchmarks. Actual rates depend on your acquirer agreement and merchant tier.

3DS 2.x ECI Codes

05Full authentication: liability shifted to issuer

06Attempted auth: partial liability shift

07No 3DS: merchant retains chargeback liability