Visa's chargeback limit dropped to 1.5%.Check your number, free
disputeless.

What does a chargeback really cost?

Most merchants count the lost sale and stop there. A subscription loses the future rebills too. Add up the real bill, and you will know exactly what preventing it is worth.

That's a rate of1.80%Above Visa's limit
See what that rate means →
What it costs you now$1.25M a year$103.8K /mo
Refunded sales900 chargebacks × $49. The customer keeps the product and gets the money back.$44,100
Chargeback fees900 × $25. Your processor charges this whether you fight the chargeback or not. Stripe charges $15, high-risk processors charge more.$22,500
Visa fines900 × $8. Visa charges this every month while you're above 1.5%.$7,200
Your team's time300 hours, about 20 minutes per chargeback, priced at $100 an hour.$30,000
With alerts on35% cost
You keep$36.8K /mo
Your new bill$67.0K /mo
Alerts caught801 of 900
roi

Every $1 on alerts gives back $3.50

The same $49 dispute, twice. Let it become a chargeback and it costs you $115. Catch it at the alert stage and it costs $70.

The refund happens either way. The fee, the fine and the time are the difference.

One $49 dispute
It becomes a chargeback$115
You catch it first$70
RefundChargeback feeVisa fineYour team's timeAlert fee and handling
$45 saved on this one dispute
the four costs

Where the money actually goes

Four things happen every time a chargeback lands.

The refund

The customer keeps the product and gets the money back. You lose the sale.

The fee

Your processor charges $15 to $35 whether you fight it or not.

The fine

Over 1.5%, Visa adds $8 per dispute, every month, through your acquirer.

The time

About 20 minutes each, gathering evidence and filing responses.

$49orderRefund it
Alerts winFighting can win
You save about $45 and it never counts against you.
A chargeback you fight still counts against your ratio.

When to refund, when to fight

An alert costs $15 to $29. On a $49 order, catching it early saves about $45. On an $800 order with proof of delivery, fighting can pay more.

Disputeless watches every Visa and Mastercard alert, refunds the ones worth refunding, and flags the ones worth fighting.

Straight answers

What's in the numbers, and where they come from.

Want us to run yours? Book a call

More than twice the order. You refund the sale, your processor charges a fee of $15 to $35, Visa adds $8 once you're over 1.5%, and someone on your team spends about 20 minutes on it. On a $49 order that's about $115.

How a chargeback works, step by step

Stop paying for chargebacks you could prevent

Connect in minutes. First alerts in days. Pricing is on the site.