Fees · checked 22 October 2026
Chargeback fees by processor
A chargeback costs you the sale, the product, the shipping, and on most platforms a fee on top. Here's what the main processors charge US merchants, and when it's worth fighting.
Want the answer for your own case? Use the tool, then read on for the details.
Build my evidence pack| Processor | Fee | Returned if you win? |
|---|---|---|
| Stripe | $15 dispute fee, plus a $15 counter fee if you submit evidence | The counter fee, yes; the dispute fee, no |
| Shopify Payments | $15 | Sources disagree; check your terms |
| WooPayments | $15 | Check your terms |
| PayPal | $20 card chargeback; $15 dispute fee ($30 at a high dispute rate) | Check your terms |
| Square | No fee | n/a (but no chargeback protection) |
| Klarna (direct) | EUR 15, or EUR 30 at a high escalation rate; only when the case closes against you | Not charged if you win |
US figures unless shown. Fees differ by country and change, so confirm on your own pricing page.
The real cost of a lost chargeback
- The sale amount, taken back from your balance.
- The goods and shipping, usually not recovered.
- The processing fee on the original sale, which most processors don't refund.
- The chargeback fee.
- Your dispute ratio: too many disputes put you into card network monitoring programmes, with fines and possibly a frozen account.
Fight or accept?
- Fight when you have proof: delivery tracking for "not received", your listing and photos for "not as described", or matching IP, device and order history for fraud claims (Visa CE 3.0 can reverse those outright).
- Accept small disputes with no evidence, especially on Stripe, where submitting evidence adds a second $15 you only get back if you win.
- Prevent the next one: clear billing descriptors, tracking on every order, fast refunds when a customer asks first.
Not sure? Our calculator weighs the order value, fees and your chance of winning.
Deadlines too: chargeback time limits. Using Stripe? Autopilot drafts evidence for your disputes and can submit it.
Sources: Stripe dispute documentation and pricing; Chargeback.io, PayPal chargeback guide (August 2026); Chargeback.io, Square chargeback policy; Chargeback.io, WooCommerce chargebacks; Klarna Docs, dispute processing flow; Shopify fee as on our Shopify guide. Read 22 October 2026.
Short on time? We'll write the response for you
Order a written chargeback response on Fiverr: a rebuttal letter matched to the reason code, plus a checklist of which evidence to attach and in what order. From $25 for one dispute, usually delivered in a day. You never share your login, and you submit it yourself. Banks decide, so nobody can promise a win.