Chargeback cost calculator

What chargebacks really cost you.

Fees, lost orders and the full cost of fraud, in one number. Enter your own figures; the defaults are only examples.

Talk to salesHow the math works

Bolt's chargeback guarantee covers 100% of fraud chargebacks on approved orders, for qualifying transactions under your Bolt agreement.

Chargebacks a year

6,000

3,000 of them fraud

Fee savings with Bolt

$45,000

$45,000 at $7.50 vs $90,000 at $15

Fraud chargeback losses

$300,000

order value lost to fraud chargebacks

Full cost of that fraud

$1,539,000

with the LexisNexis $5.13 multiplier

Illustrative only, not a quote. Annual figures from your inputs. Chargeback fees compare the $15 industry standard with Bolt's $7.50 fee ($22.50 for high-risk merchants). The full cost of fraud applies the $5.13 multiplier from the LexisNexis Risk Solutions, 2026 True Cost of Fraud Study for Retail and Ecommerce (US).

The math

How the calculator works

  1. 01

    Chargebacks a year

    Orders per month × 12 × your chargeback rate.

  2. 02

    Chargeback fees

    Each chargeback costs a fee. The industry standard is $15; Bolt charges $7.50, half that.

  3. 03

    Fraud losses

    Fraud chargebacks × your average order value: the goods and revenue you lose.

  4. 04

    Full cost of fraud

    LexisNexis found every $1 of fraud lost costs US retail and ecommerce merchants about $5.13 in total, once you add replacement goods, fees, labor and operations.

FAQ

Chargeback questions

What does a chargeback cost a merchant?

The chargeback fee, the order value you lose, and the work to handle it. LexisNexis's 2026 study puts the total cost of fraud at about $5.13 for every $1 lost in the US.

How much does Bolt charge per chargeback?

$7.50 per chargeback, half the industry standard of $15. High-risk merchants pay $22.50.

What does Bolt's chargeback guarantee cover?

Bolt's chargeback guarantee covers 100% of fraud chargebacks on approved orders, for qualifying transactions under your Bolt agreement. It's part of Total Fraud Protection.

What about chargebacks that are not fraud?

For merchant-liable disputes, Bolt gives you a dispute portal and a tool that compiles the evidence. You represent yourself, and you carry the loss if the dispute is lost.

Is this calculator a quote?

No. It is an illustration based on the figures you enter. Talk to sales for pricing and coverage under your Bolt agreement.

More on Total Fraud Protection, pricing and chargeback protection services.

Cut the cost of chargebacks.

Tell us about your volume and we'll show you what Total Fraud Protection would cover.

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