CryptoGateChargebacks cost you twice: the refunded sale and a dispute fee. Enter your numbers to see the real annual cost — then compare it to crypto, where confirmed payments can't be reversed, so chargebacks are $0.
Estimate based on your inputs and an assumed dispute count of monthly sales ÷ average order × chargeback rate. Typical card chargeback rates run 0.4%–1%+; fees vary by processor. Crypto payments are final once confirmed on-chain, so there are no chargebacks or dispute fees.
Stop losing money to chargebacks →What do chargebacks actually cost?
A chargeback isn't just a refund. When a customer disputes a card payment, you typically lose the full sale amount, pay a dispute/chargeback fee (often $15–$25), and may have already shipped the product — so the true cost can exceed 2× the order value. At scale, a 0.6% chargeback rate on real volume adds up to thousands of dollars a year, before counting the time spent fighting disputes.
Why crypto payments have zero chargebacks
Cryptocurrency transactions are final once confirmed on the blockchain — there is no issuing bank that can claw the funds back. That removes chargeback fraud (also called "friendly fraud") and the associated fees entirely. You still control refunds on your own terms, but you can't be forced into one by a card network. See how the fees compare too.
Frequently asked questions
How much does a chargeback cost a merchant?
A chargeback usually costs you the full refunded sale plus a dispute fee of roughly $15 to $25, and often the shipped product as well — so the real cost can be more than double the order value.
What is a normal chargeback rate?
Most merchants see chargeback rates between 0.4% and 1% of transactions. Card networks consider rates above about 1% high-risk, which can trigger penalties or account termination.
Do crypto payments have chargebacks?
No. Once a crypto payment is confirmed on-chain it cannot be reversed by the payer or a bank, so there are no chargebacks and no dispute fees.
Can I still issue refunds with crypto?
Yes. You can send a refund voluntarily whenever you choose. The difference is that a refund is always your decision — you can't be forced into one by a chargeback.