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Could you win a chargeback right now?

13 quick questions about what you capture today. Answer for what’s actually in place, not what you plan to set up.

What sellers assumeWhat the bank looks for

“There’s a refund policy on my site.”Proof this buyer accepted it — a saved tick-box with the time and IP

“Stripe handles disputes for me.”A reply you write, argued for the reason code the bank used

“The receipt proves they bought it.”The purchase IP or device matched to their later logins

“They had access to the course.”Logins and progress after the charge, with timestamps

What do you sell?

What’s your average charge?

What percent of your charges get disputed? — 1.50%

Over the limit

You're past the line card networks watch, and there's no warning period — you're already being charged extra per dispute. At this level processors routinely hold back 5–15% of everything you take, for three to six months. That's your ad budget sitting in someone else's account.

Not sure? Leave it — most sellers don’t know theirs either, and that’s worth knowing on its own.

You get a score out of 100, your gaps ranked biggest first, and what they’re costing you a year.