Stripe Survival Kit · Tool

Dispute Rate Calculator

Enter last month's numbers. See your dispute rate against the Visa and Mastercard lines, your risk zone, and what to do next. Runs entirely in your browser. Nothing is sent anywhere.

Your numbers (one calendar month)

Successful card payments required

Stripe Dashboard → Payments, status Succeeded, this month.

Disputes received required

All of them, won or lost. Count by the date the dispute arrived.

Early fraud warnings optional

Stripe Dashboard → Radar. Visa adds these to its ratio.

Refunds optional

More precision (Mastercard timing, card mix, order value)

Last month's successful payments optional

Mastercard divides this month's chargebacks by last month's sales.

Visa share %

Mastercard %

Average order value (USD) optional

Used for Mastercard's $5,000 MATCH condition.

Estimates only. Card mix is applied proportionally. Your official numbers are whatever Visa, Mastercard and Stripe calculate. Not legal or financial advice.

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Dispute rate (worst of this-month and Mastercard timing)

Enter your numbers

Your result appears here as you type. Or press Load sample.

Stripe-style dispute activity

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Disputes ÷ payments, same month

Visa VAMP ratio (est.)

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(Disputes + fraud warnings) ÷ payments

Mastercard ratio (est.)

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Chargebacks ÷ last month's payments

Room before 0.75%

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more disputes this month

Room before 1%

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more disputes this month

Refund rate

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Refunds don't count as disputes

Against the official lines

Line	Rate rule	Count / $ rule	You

"Rate only" means your rate is over the line but the count or dollar condition isn't met. You're not in that program, but you're trending the wrong way. Fines and listings apply only when every condition is met. MATCH and VMSS listings apply when an account is terminated.

What to do next

Enter your numbers to get a plan.

Sources (verified October 2026)

Stripe: Measuring disputes (0.75% industry line)
Stripe: Monitoring programs (VAMP 0.5% / count 5; ECM 1.5% / 100; HECM 3% / 300)
Visa: VAMP fact sheet (Excessive 1.5% / 1,500 from April 1, 2026)
Stripe: MATCH and VMSS (MATCH code 4: >1% and ≥ $5,000)
Stripe: Best practices (under 100 payments/month)
Stripe: How disputes work (early fraud warnings)

Zones (green under 0.5%, yellow 0.5–0.75%, red 0.75–1%, emergency 1%+) are my working rule, not an official standard. Links only open if you're online; the calculator itself works offline.