Hidden Costs Revealed
Chargeback Cost Calculator
Chargebacks cost far more than the refund amount. Calculate the true cost including lost product, fees, processing costs, and staff time handling disputes.
Enter Transaction Details
The original sale value the customer paid
Bank/processor fee (typically €15-25)
%
Hours spent handling the dispute
True Cost Analysis
Total Cost Per Chargeback
€217.90
2.2x the transaction amount
Cost Breakdown
Lost Revenue
€100.00
Product Cost
€40.00
Shipping
€5.00
Bank Fee
€20.00
Processing Fee
€2.90
Labor Cost
€50.00
Monthly Impact
€1089.50
Yearly Impact
€13074.00
Revenue Needed to Recover
€1089.50
Extra sales needed at 20% profit margin
Your Chargeback Rate
1.00%
Below 1% — within safe limits
Why Chargebacks Cost So Much
Hidden Costs
A chargeback isn't just a refund. You lose the full transaction, plus the product, plus fees, plus the time spent fighting it.
- Full refund to customer (you get nothing)
- Lost product or service already delivered
- Bank and processor chargeback fees
- Staff time investigating and responding
Long-Term Consequences
High chargeback rates trigger serious penalties that compound over time.
- Increased processing fees (up to 1% extra)
- Visa/Mastercard monitoring programs
- Account termination at >2% rate
- Rolling reserves holding your funds
Prevention is Cheaper
Stop Chargebacks Before They Happen
PayRequest's checkout fraud protection blocks bots, fake orders, and card testing attacks — preventing chargebacks at the source.