Mastercard's scam merchant monitoring adds a combined refund and chargeback check for new merchants. See how close you are.
Mastercard's scam monitoring starts being enforced on 24 July 2026. The ratio is only one signal: it also looks for scam patterns. Refunds count here, so refunding freely can push a new store over the line.
Mastercard treats a high refund rate alongside chargebacks as a sign of a possible scam. Refunding freely is good service, but a new store should watch the total.
No. The program also looks at scam patterns. Treat this calculator as one signal, not a clearance.
The 5% rule is aimed at new merchants. Established stores should watch the excessive-chargeback lines instead.
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.
See whether your Mastercard chargebacks put you in the excessive or high-excessive tier.
credit_cardCheck your Visa dispute and fraud ratio against the merchant threshold, and see how much room you have.
paymentsSee what chargebacks really cost you each month and each year, including fees and your time.
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.