Margin Intelligence
What a chargeback actually costs a Shopify Plus or SHOPLINE merchant once the dispute fee, the lost payment processing, and the lost goods are all counted, not just the disputed amount.
Agentis analysis of Shopify Payments' and Stripe's published 2026 fee schedules shows every chargeback carries a fixed $15 dispute fee. Lose the dispute, and the full order value gets reversed on top of it. Industry-reported win rates put the odds of getting that money back at under 44%, per Chargebacks911's 2026 data.
Agentis analysis of Mastercard's Excessive Chargeback Merchant program shows a merchant who breaches the monitoring threshold faces monthly assessments starting at $1,000 and scaling past $100,000 for repeat violations. That's on top of the standard per-dispute fee, not instead of it.
Agentis analysis of Stripe's, Shopify Payments', Mastercard's, and Visa's published dispute documentation shows dispute fees are flat: $15 at both Shopify Payments and Stripe, regardless of reason code. What changes across Stripe's 8 documented dispute categories is the evidence required to contest each one, not the price.