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Chargeback win rate

Chargeback win rate is the percentage of chargeback disputes that merchants successfully reverse through representment, calculated by dividing the number of won disputes by the total number of disputes contested. Win rates vary significantly by industry (digital goods 20-30%, physical goods 40-50%), reason code (fraud claims harder to win than service disputes), quality of evidence provided, and timeliness of response.

Monitoring win rates by reason code and dispute category helps merchants identify which types of disputes are worth contesting, where evidence gathering processes need improvement, and when acceptance or pre-dispute resolution may be more cost-effective than representment. Higher win rates indicate effective chargeback management strategies, well-documented transactions, and strong customer service practices.