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Chargeback Cost Calculator

A chargeback costs more than the order. You lose the sale, pay a fee, and spend time on a response. Enter your own numbers to see the monthly and yearly total.

Chargebacks cost you each month£276About £3,312 a year
Disputes a month4.02.8 lost
Cost per £100 sold£0.92
Sales you do not keep£168
Chargeback fees£28
Time spent on disputes£80
Total£276

Of the lost sales, about £78 a month is stock and postage you have already paid for and will not get back.

How it works

  1. We turn your sales and average order value into a number of orders, then apply your chargeback rate to get disputes per month.
  2. Disputes you lose cost you the sale and the fee. Disputes you win cost you the fee only if Shopify does not refund it.
  3. We add the value of the time you spend, then show the total and the cost per 100 of sales.

Questions

What is a normal chargeback rate?

There is no single normal rate. What matters is staying well under the lines card networks use, which are measured in single-digit percentages of sales. Our ratio calculators show those lines.

Is the chargeback fee refunded if I win?

Shopify lists the chargeback fee by country, for example £10 in the UK, $15 in the US and €15 in the euro area. Shopify says the fee may be refunded if you win, depending on your country. Check your own payout line items.

Why include my time?

Building a response takes real hours. If you do it yourself, that time is a cost, even if it never shows on a statement.

Spend less time on disputes

ChargeFix gathers your order and delivery proof, writes the letter from verified facts, and lets you decide. Free plan, no commission on what you win.

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Results are estimates from the numbers you enter, not advice. Card network rules and Shopify fees change, so confirm figures with Shopify or your payment provider.