Merchant Chargeback Risk Score Estimator
Evaluate your business's exposure to chargebacks and payment disputes. Get a data-driven risk score instantly.
Chargeback Risk Assessment
Enter your business metrics to calculate your chargeback risk score
Business Metrics
Policy Settings
Fraud Protection
3DS, address verification, etc.
Subscription payments
What Is a Chargeback Risk Score?
A chargeback risk score measures the likelihood of disputes or fraudulent refunds against your business. It's used by banks, processors, and insurers to determine risk category and processing fees.
Example Calculation
Transactions: 2,000
Chargebacks: 20
Rate: 1%
Refund Policy: 3 (moderate)
Fraud Prevention: Yes
Risk Score: 45/100 (Medium Risk)
Chargeback Cost: $20 × ($50 + $15 fee) = $1,300
How to Reduce Chargeback Risk
- Use 3D Secure and CVV matching
- Set clear refund & shipping policies
- Monitor dispute ratio monthly
- Train customer support to prevent escalations