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Chargeback risk estimator

Answer a few questions about your descriptor, refund policy, subscriptions, and delivery times to get a risk tier and the fixes that move you down a tier.

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Short answer

Most avoidable chargebacks come from four places: a descriptor customers do not recognise, a refund policy that is hard to use, subscription billing without clear reminders, and delivery that takes longer than the buyer expected. The estimator scores those inputs into a risk tier and tells you which single change removes the most disputes.

Estimator

Answer a few questions about your checkout and support

Runs in your browser. Nothing is stored unless you ask for the emailed plan.

0 of 8 answered

What will customers see on their statement?

1. What will customers see on their statement?

Unrecognised descriptors are the single largest source of "I did not authorise this" disputes.

How easy is it for a customer to get a refund?

2. How easy is it for a customer to get a refund?

Where is the refund policy linked?

3. Where is the refund policy linked?

Do you bill recurring subscriptions?

4. Do you bill recurring subscriptions?

How long between charge and delivery, typically?

5. How long between charge and delivery, typically?

How fast does support respond?

6. How fast does support respond?

Do buyers get an itemised receipt naming the descriptor?

7. Do buyers get an itemised receipt naming the descriptor?

What is a typical order size for you?

8. What is a typical order size for you?

Larger tickets are disputed more readily and reviewed more closely.

Key takeaways

  • Descriptor clarity, renewal notices, and refund friction explain most avoidable disputes.
  • Every dispute you prevent is worth more than the sale it protects, because ratios drive account decisions.
  • Publish a refund path that is faster than the customer's bank.
  • Re-run this after each control you add to see the exposure fall.

FAQ

Questions people ask about this

Why do peptide sellers get more chargebacks?
Three structural reasons: unrecognised billing descriptors, subscription renewals customers forgot about, and refund policies that are harder to use than a dispute. All three are controllable.
What is the fastest way to cut disputes?
Fix the descriptor so it names the brand the customer bought from and includes reachable contact detail. It is usually a same-week change and it removes the largest single dispute reason.
Do refunds hurt my account less than chargebacks?
Yes. A refund is a reversal you controlled; a chargeback is a dispute recorded against the account. Making refunds easy is a risk-reduction measure, not a revenue leak.
Is this estimate a prediction of my dispute ratio?
No. It is a relative exposure index built from the controls you have in place, meant to rank what to fix first — not to forecast a number.

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