Quick guide
How to use this calculator
- Enter the amount, quotation direction, timing, and fees from the real scenario you want to evaluate.
- Use consistent currencies and periods; provider quotes can differ because they include different spreads, deductions, and settlement conventions.
- Read the companion outputs and boundaries before comparing providers, planning a payment, or interpreting a currency result.
Calculation method
Calculation method
Expected loss = loss probability × (disputed amount + fulfillment exposure + dispute fee + administration) + win probability × (administration + any non-refunded dispute fee).
Calculations use exact fixed-decimal arithmetic. No live rate, provider price, country rule, or legal payment obligation is selected automatically.
Worked example
Worked example
A 100 dispute with 50 of fulfillment exposure, a 20 fee, 10 administration cost, and 25% win probability has expected incremental loss of 142.50 when the fee is not refunded.
Expected loss = loss probability × (disputed amount + fulfillment exposure + dispute fee + administration) + win probability × (administration + any non-refunded dispute fee).
Supported inputs
Precision and limits
Entered quote and fee scope
The baseline is the cost added by the chargeback event. Ordinary goods or fulfillment costs are counted only in the lost outcome because a successful dispute preserves the original sale; administration and any non-refunded dispute fee remain incremental costs in the won outcome.
Currency and quotation direction
Labels state the required quotation direction. Reversing a currency pair without taking its reciprocal changes the result; all costs must be expressed in the currency named by their labels.
Provider and market boundary
Results are scenarios, not executable quotes. Actual rates, payment acceptance, transfer speed, intermediary deductions, settlement timing, disputes, and provider eligibility may differ.
Regulatory boundary
The calculator does not determine disclosure compliance, lawful surcharges, refund or chargeback rights, tax, sanctions, money-transmission obligations, or consumer protections in any jurisdiction.
Precision and privacy
Plain decimals accept up to 30 digits and 12 decimal places. Calculations remain in this browser and raw entered values are not submitted to 365CALCS.COM.
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