Roughly 55% of all disputes come from a cardholder not recognizing a charge. Put your own numbers in and see what removing even a small slice of that is worth — against the alert fees, chargeback fees and lost order value you are paying today.
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Every payment type, every market. Nothing to build.
Fees you stop paying counts only money you do not get invoiced for — the alert fee on disputes your alert program would have caught, and the acquirer chargeback fee on the rest. It excludes order value, so it is the conservative figure. Including revenue kept adds back the order value you no longer refund.
Percentages are a reduction in total dispute volume, not a share of the addressable pool. The confusion-share assumption above sets that pool and you can change it.
This model defaults to a deliberately conservative 55% confusion share. Elsewhere on this site we cite 61%, from a named industry source. The point of the default is that the arithmetic holds at the lower figure, and the assumption is yours to move.
Not included, and all of which push the number up: card-network monitoring fines, remediation costs, staff time spent working an alert queue, and the acquirer-relationship cost of sitting near a VAMP, ECM/HECM or EFM threshold. Fraud-record counts assume deflected disputes were fraud-coded at the rate set above; issuers classify a considerably higher share of disputes as fraud than merchants typically expect.
This is an arithmetic model of your own inputs, not a performance guarantee or a forecast. Actual results depend on your descriptor quality, customer base, vertical and payment mix.
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How it works →Bring the fix to your own book at your own retail, with portfolio tooling and no build cost.
Partner economics →How descriptors are boarded, enriched and recognized — and why the data is declared rather than inferred.
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