A GLOBAL VIEW FOR ISSUERS AND MERCHANTS
2025
state of chargebacks:
Chargebacks are costly for merchants and issuers.
Average chargeback amount by merchant industry
*Merchants in high-risk categories provide services related to gaming, gambling and cryptocurrency exchange.
Merchants and issuers must learn how to prevent disputes before they become chargebacks.
Insights from 850+ companies indicate the number of chargebacks will likely grow 24% by 2028 — a result of the booming subscription economy, ecommerce and first-party fraud.
​Dealing with this mounting volume is increasingly challenging for merchants and issuers
across the globe. Many are turning to automation and AI to make it easier to manage the
post-purchase experience.
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In this Mastercard report with data from Datos Insights, you will learn:
​a) How issuers are evolving to handle disputes:
A data-backed view of how different issuers are organizing their dispute management teams and balancing costs with operational efficiency.
b) How merchants are managing growing chargebacks: A quantitative look at how merchants are leaning on technology to tackle chargebacks.
c) How to prevent and reduce chargebacks and disputes: Discover how a global collaboration network, automated tools, and banking apps can work together to improve transparency for customers, as well as reduce chargebacks costs and volume for merchants and issuers.
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