Stripe Chargeback & Dispute Fee Calculator
Calculate the true cost of a Stripe chargeback or dispute. See how transaction amount, processing fees, and Stripe's $15 dispute fee combine into a larger total loss than most merchants expect.
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Frequently asked questions
Stripe Chargeback & Dispute Fee Calculator — True Cost of a Lost Dispute
A chargeback doesn't just mean refunding the customer — it means losing the transaction amount, the processing fee you already paid Stripe, and a $15 dispute fee on top. Most merchants are shocked to discover that a $100 chargeback they lose actually costs them $118.20. This calculator shows the complete financial damage of a lost dispute, and the $0 cost scenario if you win.
Lost vs won dispute scenarios
Toggle between a lost dispute (full loss breakdown) and a won dispute (dispute fee refunded, transaction amount kept).
Processing fee included
The 2.9% + $0.30 Stripe processing fee from the original transaction is non-refundable and included in your total loss.
True loss, not just the refund
See the full financial impact: transaction amount + non-refundable processing fee + dispute fee = actual money out of pocket.
Prevention beats disputing: add clear refund policies at checkout, use Stripe Radar's fraud detection, require signatures for high-value orders, and respond quickly to customer complaints before they escalate to their bank.
Rates and platform terms can change. Use the linked official source when available and verify the current terms before transacting.
Example Calculations
| Transaction Amount ($) | Total Fees | Total Amount Lost |
|---|---|---|
| $10.00 | $15.59 | $25.59 |
| $50.00 | $16.75 | $66.75 |
| $100.00 | $18.20 | $118.20 |
| $500.00 | $29.80 | $529.80 |
| $1,000.00 | $44.30 | $1,044.30 |
Based on default settings. Use the calculator above for your exact figures.