---
title: "Chargeback Fees by Processor: Stripe, Shopify, PayPal, Square, WooCommerce, Klarna"
description: "What each payment processor charges when a customer disputes a payment: Stripe's $15 dispute and $15 counter fee, Shopify and WooPayments $15, PayPal $20, Square nothing, Klarna EUR 15. When fighting is worth it."
url: https://disputekits.com/chargeback-fees
---

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](https://disputekits.com/builder)

| Processor | Fee | Returned if you win? |
| --- | --- | --- |
| [Stripe](https://disputekits.com/stripe-dispute-evidence) | $15 dispute fee, plus a $15 counter fee if you submit evidence | The counter fee, yes; the dispute fee, no |
| [Shopify Payments](https://disputekits.com/shopify-chargeback-response) | $15 | Sources disagree; check your terms |
| [WooPayments](https://disputekits.com/woocommerce-chargeback) | $15 | Check your terms |
| [PayPal](https://disputekits.com/paypal-chargeback-vs-dispute) | $20 card chargeback; $15 dispute fee ($30 at a high dispute rate) | Check your terms |
| [Square](https://disputekits.com/square-dispute) | No fee | n/a (but no chargeback protection) |
| [Klarna](https://disputekits.com/klarna-dispute) (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](https://disputekits.com/visa-compelling-evidence-3) 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](https://disputekits.com/#calculators) weighs the order value, fees and your chance of winning.

[Build my evidence pack](https://disputekits.com/builder)

Deadlines too: [chargeback time limits](https://disputekits.com/chargeback-time-limits). Using Stripe? [Autopilot](https://disputekits.com/autopilot) drafts evidence for your disputes and can submit it.

Sources: Stripe dispute documentation and pricing; [Chargeback.io, PayPal chargeback guide (August 2026)](https://chargeback.io/blog/paypal-chargeback-guide-for-merchants); [Chargeback.io, Square chargeback policy](https://chargeback.io/blog/square-chargebacks-guide); [Chargeback.io, WooCommerce chargebacks](https://www.chargeback.io/blog/woocommerce-chargebacks); [Klarna Docs, dispute processing flow](https://docs.klarna.com/payments/after-payments/disputes/disputesflow); Shopify fee as on our [Shopify guide](https://disputekits.com/shopify-chargeback-response). 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.

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