Chargeback Cost Calculator

Calculate the true annual cost of chargebacks to your business — including dispute fees, lost merchandise cost, and operational overhead. Understand your real chargeback rate risk vs Visa/Mastercard thresholds.

Monthly Order Volume

Total orders processed per month

Average Order Value ($)

Chargeback Rate (%)

% of orders that result in a chargeback

Chargeback Fee ($)

Flat fee charged by payment processor per dispute

Win Rate (%)

% of disputes you win (recover revenue)

COGS Rate (%)

Cost of goods as % of sale price

CS Time Per Dispute (hrs)

Staff time to manage each chargeback

CS Hourly Cost ($)

Visa threshold: 0.9% (standard) / 1.8% (high risk). Mastercard: 1.5% excessive program. Above these rates, processors charge additional monitoring fees or terminate accounts.