B
Evidence Grade B
Graded
accuracy verified by the review judge
Safe to Cite
Current
$128
$128 -- average true cost per chargeback for merchants (2026)
The true cost of a chargeback to merchants is on average $128 once operational and processing impacts are included.
Attribution:
View source
Lighthouse Research Team
Last verified:
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Source verified
Evidence graded
Value
$128
Unit
Currency Usd
Data Vintage
2026
Entity
Evidence Quality
B
Strong, reliable evidence
Sourced from a well-regarded research firm or industry leader with transparent methodology and a reasonably large sample.
Single source - not yet corroborated
Score breakdown
Extraction
50
Source Trust
60
Citation Chain
20
Independence
30
Methodology
45
Freshness
95
Source
bitpace.com
Primary
Tier C
https://www.bitpace.com/blog/guide-merchant-chargeback-risk-and-rolling-reserves-explained/ ↗
Source Article
Guide: Merchant Chargeback Risk and Rolling Reserves Explained
Original Research
bitpace.com
· Original study ↗
Methodology
Industry analysis cited by Bitpace; original study not named
Methodology documented
Segmentation
IndustryFinTech
Channelcontent
Cite this stat
Plain Text
merchants: $128 average true cost per chargeback. Source: bitpace.com (2026). Via Lighthouse Intelligence -- https://lighthousedata.io/data/chargeback-true-cost-128
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<blockquote cite="https://lighthousedata.io/data/chargeback-true-cost-128" style="border-left:3px solid #2563eb;padding:12px 16px;margin:16px 0;font-family:system-ui,sans-serif;background:#f0f4ff;"><strong>$128</strong> -- average true cost per chargeback for merchants<br><small>Source: bitpace.com (2026) · <a href="https://lighthousedata.io/data/chargeback-true-cost-128" target="_blank" rel="noopener">Lighthouse Intelligence</a></small></blockquote>
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