u/barnac1ep

Running the numbers at end of quarter and realized I paid $340 in chargeback fees on disputes I actually won. You still pay the $15 fee even on wins. Been on Stripe two years and somehow never internalized that until now. For merchants with decent volume that fee alone is significant regardless of outcome. Worth factoring into your actual cost per dispute when evaluating whether chargeback recovery software makes sense financially.

Running the numbers on prevention tools for PayPal. Getting about $800 in chargebacks monthly. Cheapest prevention platform I found is $600 monthly plus per transaction fees. Even if it prevents 70% of chargebacks I'm barely breaking even and that's best case scenario. Most platforms seem designed for merchants losing tens of thousands monthly. Is there a threshold where prevention tools actually make financial sense for PayPal merchants, or are smaller operations better off just eating the chargebacks and fighting what we can?