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    Disputes · full cost

    Chargeback exposure calculator

    A chargeback costs more than its fee: the goods are often gone, the revenue is reversed and someone on your team spends time responding. Put a number on all three.

    Free · runs in your browserAssumptions reviewed October 30, 2026Methodology

    Mitey the yeti checking the numbers

    Your disputes

    2.0Disputes per month
    $234Monthly cost
    $2,808Annual cost
    0.49%As a share of card volume

    Monthly cost breakdown

    Irreversible is not the same as risk-free

    Push payments (e-Transfer, wires, stablecoins) usually cannot be charged back, which removes this cost. Customers lose that protection too, refunds remain your obligation when you are at fault, and fraud shifts to scams that trick payers. Read chargebacks vs irreversible payments and refunds on-chain.

    How to use it

    1. Enter monthly payments, average ticket and dispute rate.
    2. Add the dispute fee, the share you lose, and time spent per dispute.
    3. Compare the result with irreversible rails, remembering refunds are still owed when you are at fault.
    Assumptions, not quotes

    Default values are illustrative planning inputs reviewed October 30, 2026, not market data or any provider’s pricing. Replace them with your own statements. This tool is educational and is not financial, legal or tax advice.

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