CHARGEBACK RATIO MONITOR · RUNS IN YOUR BROWSER · NOTHING UPLOADED

Is your dispute rate about to get you flagged?

Drop in the payments CSV you exported from Stripe and get your dispute ratio for every month, how many more disputes you can take before each warning line, whether the trend is heading the wrong way, and what is causing the disputes, without connecting a monitoring service to your account or sending anyone your customer list.

The file is read in this browser tab and never leaves your device. Customer IDs and emails in it are not sent anywhere.

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.

The model, and what it leaves out

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.