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Chargeback cost
A month of disputes costs more than the sales behind them. Put your own numbers in.
Your month
40
$120
The order value behind a typical dispute.$27
Your payment processor charges this the moment a dispute is raised, and keeps it however the dispute is decided. It differs by country and by processor — put your own in.15%
A deliberately low starting point for a merchant with no decided fraud cases to go on. Winning returns the transaction amount; the dispute fee is spent either way.What else each one costs you
Counted only on a dispute you lose, where the sale goes back too. At zero they stay out of the total.
$0
$0
0 min
Gathering evidence, filing, following it up.$0
Cost a month
$5,160
$129 a dispute · $61,920 a year
Fees $1,080 Sales not returned $4,080
Where it goes
Dispute fees40 × $27, kept however each dispute ends$1,080
Sales you don't get back34 disputes lost at $120$4,080
Cost a month$5,160
If some arrived as a warning instead
A warning answered in time is a refund, not a chargeback: no fee, no hours, and nothing added to your network ratio.
50%
Fees and hours you don't spend20 disputes that never reach the bank$540
Sales you refund that you'd have wonAt a 15% win rate$360
Net$180
The cheapest dispute is the one that never arrives
Prevention resolves a warning before it becomes a chargeback, so the fee is never charged. Defense files evidence on the rest, and you pay 15% only on the disputes we win.