In practice
The basic formula divides chargebacks by transactions for a period and multiplies by 100. Programs differ on which disputes count, whether the denominator is all or card-not-present transactions, and whether it uses the same or the previous month. The chargeback ratio guide shows how those choices change the result.
Common confusion
A ratio below one network's threshold can still exceed another's, because each program defines its own numerator, denominator and timing.
Frequently asked questions
What is the chargeback ratio formula?
Chargebacks in a period divided by transactions in the matching period, multiplied by 100. Each program defines the exact inputs.
Is chargeback ratio measured by count or value?
Card network programs usually use counts; acquirers may also track value.