Chargeback Cost Calculator

Calculate the true cost of chargebacks to your business.

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CurrencyOrders per monthAverage order value ($)Chargeback rate (%)Bank fee per chargeback ($)Cost of goods lost (%)

A chargeback costs far more than the sale — you lose the revenue, the product, and pay a fixed dispute fee. Card networks flag merchants above ~1%.

$3,960

True chargeback cost / month

Chargebacks / month

1.0%

As % of revenue

$2,400

Lost revenue

$600

Dispute fees

Healthy

Chargeback ratio status

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Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.

Think a chargeback just costs you the sale? Add the lost product and the fixed dispute fee and the true number is 2–3× the order value — see yours and whether your ratio is in the danger zone.

How to embed Chargeback Cost Calculator on your website

Add this free tool to your own site, blog or intranet — it's 100% free to embed. Paste this snippet where you want the tool to appear; it loads a clean, self-contained version with no ads or navigation.

<iframe src="https://tooljolt.com/embed/chargeback-cost-calculator" title="Chargeback Cost Calculator" width="100%" height="640" style="border:1px solid #e5e7eb;border-radius:12px" loading="lazy"></iframe>

About Chargeback Cost Calculator

A chargeback costs far more than the sale — you lose the revenue, the shipped product and pay a fixed dispute fee, while card networks watch your ratio. This calculator reveals the true monthly cost and flags danger zones.

How to use Chargeback Cost Calculator

1Enter monthly orders, average order value and chargeback rate.
2Add the per-chargeback fee and cost of goods.
3Read the true cost and your chargeback-ratio status.

Why use Chargeback Cost Calculator?

✓E-commerce merchants quantifying dispute losses.
✓Justifying investment in fraud prevention.
✓Monitoring chargeback-ratio risk.

Frequently asked questions

How much does a chargeback really cost?+

Beyond the refunded sale, you lose the product (for shipped goods), pay a fixed dispute fee (often $15–$25), and risk higher processing rates. The true cost can be 2–3× the order value.

What chargeback ratio is too high?+

Card networks typically flag merchants above a ~1% chargeback-to-transaction ratio, which can trigger monitoring programmes, fines or loss of processing. Staying well under 1% is the goal.