ECP
Excessive Chargeback ProgramDisputes & risk
Mastercard's merchant-monitoring program for excessive chargebacks, with two tiers: ECM (Excessive Chargeback Merchant) at 1.5% and HECM (High-Excessive) at 3%. Triggers fees, mandatory remediation training, and increasing acquirer-termination risk.
In practice.
The ECP is the Mastercard program for merchants whose chargeback numbers breach monthly thresholds. Acquirers report monthly, fines escalate with time in the program, and exit requires sustained months back under the thresholds. Knowing your exact monthly counts and ratio is the minimum defense.
Disputes & risk