Free Tool
Chargeback Cost Calculator
Find out how much chargebacks are costing your business each month — and what AI management could save you.
Your chargeback rate is approaching monitoring thresholds. Now is the time to act before reaching penalty zones.
1Your business details
Industry average: 0.6%. Card networks flag accounts above 1%.
Merchants without tools win ~20–30% of disputes on average.
$394
Monthly Loss
Lost revenue + fees + penalties
$75
Dispute Fees
$15 per dispute (industry avg)
$425
Revenue at Risk
Total chargeback exposure
$0
Est. Monthly Savings
With ChargeMate AI
With ChargeMate
No API connection required. Works with Stripe, PayPal, Shopify.
What makes up your chargeback costs?
Dispute fees
Acquirers charge a processing fee for every chargeback received — typically $15–$25 per dispute — regardless of whether you win or lose. These fees accumulate fast even at low dispute volumes.
Monitoring programme penalties
Visa's VAMP and Mastercard's SMMP programmes impose fines when your chargeback rate crosses 1%. Fines can reach $100,000+ per month and, in extreme cases, lead to merchant account termination.
Lost merchandise and fulfilment
When a chargeback is lost, you lose both the payment and the product or service already delivered. This double loss — revenue plus cost of goods — is why a high chargeback rate is so damaging to margins.
Ready to reduce your losses?
ChargeMate uses AI to build dispute responses in seconds, targeting a 65% win rate. No manual work. No integrations required.
Start recovering lost revenue →No credit card required. Works with Stripe, PayPal, Shopify.