1. Your payments export
Stripe Dashboard → Payments → Export, with the Disputed Amount, Dispute Date, Dispute Reason and Card Brand columns selected. Needs a date, an amount, a status and a dispute column. Other processors’ exports work if the headers are similar.
The three lines are starting points, not any provider’s rules. Replace them with the figures your payment provider or acquirer quotes you; those change over time.
Choose a file or paste CSV text, then click Analyze.
Result
By month
| Month | Charges | Disputes | Ratio | Status | Disputed amount |
|---|
Disputes are counted in the month they were opened, charges in the month they were made. A month with disputes and no charges shows no ratio.
Headroom in the latest month with charges
| Line | At | Disputes you can still take | Charges needed to get under it |
|---|
If the trend simply continues
By dispute reason
| Reason | Disputes | Share | Disputed amount | Check first |
|---|
By card brand
| Brand | Charges | Disputes | Ratio |
|---|
Customers who disputed more than once
| Customer | Disputes | Disputed amount |
|---|
The model, and what it leaves out
- Ratio = disputes opened in a month ÷ settled charges made in that month. Failed, pending and cancelled attempts are not charges. Refunded charges are.
- Status compares the ratio with the three lines you set. Each line is flagged at the line itself, not above it.
- Headroom is how many more disputes keep the latest month under a line. When you are already over, it gives the number of settled charges that would bring the same disputes back under.
- Reconciles. The disputes in the month, reason and brand tables each add up to the same total, and so do the charges.
- The trend is a straight line through the last three or four months of your own ratio. It is arithmetic, not a forecast.
- Cost is the per-dispute fee times the number of disputes, plus the disputed amounts you do not win back, using the fee and win rate you enter.
- Not modelled: disputes you won or lost, network fraud reports unless your file flags them, other processors, and the exact counting rules and minimum counts of any monitoring program.
Common questions
What is a chargeback or dispute ratio, and how do I work mine out?
Divide the number of disputes opened in a month by the number of settled card charges in that month. Export your payments from the Stripe Dashboard (Payments, Export) with the dispute columns included and drop the CSV here: the tool does the division for every month and shows which months are above the lines you set. Nothing is uploaded; the file is read in your browser.
What ratio is too high?
There is no single number. Card networks and payment providers each run monitoring programs with their own thresholds, minimum dispute counts and counting rules, and they change them. This tool starts with three editable lines (0.75%, 0.90% and 1.50%) that you should replace with the figures your provider or acquirer actually quotes you. The lines are yours; the tool only does the arithmetic against them.
How many more disputes can I take this month?
The headroom table shows, for the latest month in your file, how many additional disputes would still keep you under each line given the charges so far, or, if you are already over, how many more settled charges you would need to bring the same disputes back under it.
Why does the ratio look so jumpy in a small month?
With 100 charges a month, one dispute is a full percentage point. Programs usually also set a minimum number of disputes before any ratio counts, so read a small month together with the trend line and not on its own.
What does the tool not see?
Disputes you won or lost (it counts every dispute as opened), fraud reports a network records outside the dispute itself unless your file flags them, other processors’ charges, and the exact way your provider or acquirer counts. Treat the output as an early-warning estimate from the file you provide.
Is this legal or financial advice?
No. It applies arithmetic to the file you provide and does not replace your payment provider’s own reports or a qualified adviser.