Free tool
What does a chargeback actually cost you?
The dispute fee is the smallest number. Enter your dispute mix — amount, network, reason code, response timeline — and we'll model a precise recovery estimate.
Volume
Dispute profile
Tracking + signature = high win rate.
Your true cost
$3,010
per month
- Lost revenue
- $1,700
- Lost inventory / COGS
- $510
- Dispute fees
- $300
- Ops time (est. $25/dispute)
- $500
- True cost per chargeback
- $151
- Annualized
- $36,120
Precise recovery estimate
win rate 50%
$1,008 /mo recovered
$12,096 annualized · modeled from Visa, Product not received (13.1 / 4855), 7d response, evidence 3/5.
Why the true cost is 3-5× the fee
When a chargeback lands, you don't just lose the transaction — you lose the product, the acquisition cost, the processor fee, the ops hours to respond, and the future risk of hitting a chargeback threshold that gets you flagged. Most merchants only track the fee.
How the recovery estimate is modeled
We start from the network's published representment baseline, adjust by reason-code winnability, apply a response-timeline multiplier (fastest responses win more), and factor in evidence strength. Numbers are directional — real cases vary.