The assumptions should be as visible as the result.

The calculator uses merchant-provided estimates for monthly chargeback volume, average disputed value, chargeback fees, current disputed-value recovery rate, handling time per case, and hourly staff cost.

Inputs are assumptions supplied by the user. Chargeback Lens does not independently verify them.

Estimated unrecovered value is calculated from annual dispute volume, average disputed value, and the user's current disputed-value recovery assumption. This amount-weighted input is principal returned divided by principal disputed for the same mature cohort. Estimated dispute fees use annual volume and the user's average net fees per opened case. Estimated internal handling cost uses annual volume, handling time, and hourly staff cost.

Amount-weighted recovery is not a chargeback rate or ratio. To measure dispute frequency, use the separate guide to calculate chargeback rate and ratio, then reconcile its count-based numerator, denominator, and reporting month before comparing it with a network program.

Choose the next destination by task. Use the interactive chargeback cost and net-recovery calculator to enter your own assumptions and test an editable provider scenario. Use the true-cost formula and reconciliation guide to define ledger boundaries and avoid double counting before those inputs reach the tool.

The scenario adds two user-controlled assumptions: the share of the annual baseline that may be avoidable and the hypothetical monthly solution cost. The prefilled values are editable examples, not provider-performance estimates or market benchmarks.

These outputs show what would need to be true for a scenario to pay for itself. They do not estimate how many disputes a particular provider will prevent or recover.

Product features, eligibility, public pricing, and service terms will be checked against current first-party sources where available. If a material fact cannot be verified, it will be labeled as unavailable, estimated, or subject to confirmation.

Commercial relationships do not determine calculator outputs, methodology, or service order. The same published calculation framework is intended to apply whether or not a provider has a commercial relationship with Chargeback Lens.

Results are illustrative and depend on the accuracy of inputs. They do not account for every operational, contractual, or regulatory factor. Methodology may be updated as the calculator develops, and the update date on this page will change when a material revision is published.