Chargeback Stats You Need to Know in 2025
The chargeback landscape continues to evolve rapidly — and in 2025, the data tells a clear story: fraud is up, merchants are feeling the pressure, and effective dispute management is no longer optional.
Whether you're a merchant, payment provider, or fraud prevention specialist, staying ahead of the numbers is key to protecting your bottom line. Here's a look at the most compelling chargeback stats and trends shaping the chargebacks industry in 2025.
📊 2025 Chargeback Stats That Matter
$31 Billion The estimated global cost of chargeback fraud in 2025. That’s a 17% increase from 2023, fueled by rising eCommerce volumes and more sophisticated fraud tactics.
80% Of chargebacks in 2025 are now considered “friendly fraud” — where legitimate purchases are disputed under false pretenses. This is one of the hardest types to fight.
1 in 10 Online transactions are now at risk of dispute, especially in high-risk verticals like digital goods, travel, luxury, and subscriptions.
$3.36 Is the true cost of every $1 in chargebacks when you factor in fees, lost inventory, overhead, and time spent managing disputes.
50%+ Of merchants say chargebacks are a top 3 concern for 2025, citing fraud, lost revenue, and reputation damage as core challenges.
🛒 eCommerce & Subscription Services Are Taking the Hit
- Digital goods & SaaS companies see the highest chargeback ratios, due to the intangible nature of their products.
- Subscription businesses experience recurring fraud, where customers consume months of service and then file disputes claiming they never signed up.
- 25% of consumers admitted to filing a chargeback simply because it was “easier than contacting the merchant.”
⚠️ Merchant Risk Is Rising
- Merchants with a chargeback rate over 1% may be flagged by card networks — risking higher fees, penalties, or even losing their payment processing.
- Businesses with poor dispute win rates are seeing increased scrutiny from acquirers and card networks.
- Manual dispute management is becoming obsolete — costing time, money, and reducing success rates.
✅ The Power of Prevention & Automation
- Merchants using pre-dispute tools like Rapid Dispute Resolution (RDR) and Dispute.com’s automation suite see up to a 40% reduction in chargebacks.
- Businesses that respond to disputes within 24 hours are 3x more likely to win them.
- Real-time fraud detection systems reduce fraudulent chargebacks by up to 60% when combined with dispute resolution automation.
🧠 What It Means for Your Business
The takeaway? Chargebacks are no longer just a payment issue — they're a business issue. The cost of doing nothing is too high.
If you’re not tracking chargeback metrics and proactively managing disputes, you’re leaving revenue and reputation on the table. At Dispute.com, we help businesses reduce fraud, recover revenue, and stay compliant with evolving industry rules — all while saving you time and money.