Chargeback Cost Calculator

a sale isn't final for 120 days

A chargeback pulls the money back out of your balance first and asks questions later. Most creators only ever see it one dispute at a time, which hides the real number. This shows the yearly cost — and how much of what you've already been paid is still inside the window where a buyer can claw it back.

Sales per month ($)

PPV, tips, customs, subs — everything paid by card.

Average sale ($)

Used to turn dollars into a number of disputes.

Chargeback rate: 1.0% of sales

Card networks flag merchants above about 1%. Adult platforms typically run higher than retail. If you don't know yours, start at 1% and adjust.

Fee per chargeback ($)

Some platforms charge you a fee on top of taking back the sale, some don't. Check your platform's terms and put it here.

Disputes you win %

With a dated paper trail, creators win far more than the default near-zero. Be honest about yours.

Platform cut % (on the sale that gets reversed)

Most platforms only take back your share, not theirs. This keeps the math to what actually leaves your balance.

CHARGEBACKS COST YOU, PER YEAR

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That's — of your take-home — about — disputes a year, — a month.

Sales reversed (your share)—

+ chargeback fees—

− won back on dispute—

Net loss for the year—

Money still inside the dispute window

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Roughly the last four months of your-share sales can still be reversed. Don't treat it as spent — this is the amount to keep a cushion against.

Bar = expected reversals from that window at your rate.

If you got your win rate to 60%

You'd keep an extra — a year. That is what the boring folder of timestamps and screenshots is worth. Here's exactly what to save →

prof's note

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Estimates for planning only. Dispute windows, fees and what a platform reverses vary by platform and card network; the 120-day figure is the common card-network limit, not a guarantee. This is not legal or financial advice.