Chargeback Cost Calculator — Kumaa Guard
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Merchant Dispute Desk

What are chargebacks
really costing you?

Estimate what disputes actually cost your business each month — dispute fees, merchandise lost on losses, and where you sit against card-network chargeback-monitoring thresholds. Pick your vertical for a starting benchmark, then adjust to your own numbers.

Your numbers

All fields are editable — the vertical dropdown just sets a starting point.
Include indirect cost multiplier
Adds fraud-team time, manual review, and replacement/restocking costs (industry rule of thumb: ~2.7× direct loss, per LexisNexis Fraud Multiplier research).
WITHIN NORMSest. tier
Monthly Statement — Estimate
Chargeback Cost Summary
Transactions / month
—
Chargebacks / month
—
Processor dispute fees (net of refunds)
—
Merchandise/service lost on losing disputes
—
Recovered on winning disputes (informational)
—
Total monthly cost
—
≈ $0 / year
Chargebacks are running at 0.00% of monthly revenue and 0.60% of transaction count. Visa's dispute-monitoring program typically flags around 0.65%, and card networks generally treat 0.9–1%+ as excessive-chargeback territory requiring a remediation plan — exact thresholds vary by network and acquirer, so confirm yours with your processor.
These are directional estimates, not a quote or audited figure. Fees vary by region, currency, account tier, and contract — verify against your own processor agreement before acting on this number.

Average chargeback rate by vertical

Illustrative planning benchmarks, not guarantees — your actual rate depends on ticket size, fraud controls, and customer base.
VerticalTypical rateNotes
Reference points compiled from published industry research: Stripe / Chargebacks911 merchant field reports (overall average ~0.5–0.6%), Chargebacks911 × Prommt travel & hospitality data (~1.9%), Sift Fraud Industry Benchmarking Resource (digital goods & services fraud patterns), Chargeback Gurus / TSG state-of-chargebacks reporting (avg. direct loss per chargeback ~$165), and the LexisNexis True Cost of Fraud studies (fraud cost multiplier, historically ~$2.7–2.9 per $1 lost).

Stop chargebacks before they're born.

Kumaa Guard intervenes at checkout — so most of the cost above never happens. See what it looks like on your payments.

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A note on the numbers.

Fee amounts cited above are drawn from each processor's published documentation and reputable third-party sources as of 2026. Processor fees change over time — sometimes without much notice — and can vary by region, currency, account tier, and negotiated contract. Treat these figures as directional. Before making a decision based on them, verify the current numbers against your own processor agreement or the processor's official pricing page.

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