FREE · LOCAL · SINGLE-CASE DECISION

Should you fight or accept this chargeback?

Use your own amount, time cost, processor fee, and evidence-based win estimate. The calculator shows expected net value and the break-even win chance without uploading case data.

Illustrative inputs

Replace every value with your case

Disputed amountAmount you could recover if the response succeeds.Your estimated win chance (%)Use your own evidence quality and prior results—not a generic benchmark.Dispute feeEnter the amount shown by your processor.Response time (hours)Time to collect, label, write, and submit.Hourly staff costUse a loaded internal cost or your own time value.Other incremental costOutside help, retrieval, or case-specific expense.

My processor returns the dispute fee when I win

See how the estimate changes

20% win estimate$12.00expected net

40% win estimate$39.00expected net

60% win estimate$66.00expected net

TRANSPARENT METHOD

Expected recovery minus incremental response cost.

Expected recovery = estimated win chance × (disputed amount + any fee returned on a win).

Response cost = staff hours × hourly cost + other case-specific expense.

Break-even chance = response cost ÷ recoverable amount.

Use the processor’s current case fields.

Fees, deadlines, evidence fields, and fee-return rules vary by processor, region, and case. Check the live dispute record before using the result. The estimate is a decision aid, not a predicted bank outcome.

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