Summarize these selected article findings and their source context. This brief is not the full article. Preserve units, populations, dates, assumptions and limitations. Distinguish illustrative calculations, vendor descriptions and measured results. Do not invent omitted information or claim to have read the complete article.

Ecommerce Chargeback Statistics

Selected article findings, not the complete article.

Mastercard and Datos Insights estimated 261 million global chargebacks in 2025 and projected 324 million a year by 2028. Both values come from the same 2025 outlook. The 2028 total is a forecast.

Merchant respondents in Mastercard and Datos Insights’ research identified about 45% of their chargebacks as fraudulent. These classifications include first- and third-party fraud and rely on reported identification.

Mastercard reports $9.08 to $10.32 in processing cost per disputed transaction for financial institutions, a $1.24 span. The range describes the institutions’ processing cost. Merchants can face separate fees, merchandise and labor costs.

US debit and prepaid fraud losses across all parties amounted to 17.6 basis points of covered issuers’ transaction value in 2023, up from 7.8 basis points in 2011. These are loss-to-value ratios across covered payment types and channels.

Sources
https://www.mastercard.com/ie/en/news-and-trends/Insights/2025/what-s-the-true-cost-of-a-chargeback-in-2025.html
https://www.mastercard.com/global/en/news-and-trends/Insights/2025/2025-global-chargebacks-outlook.html
https://www.federalreserve.gov/paymentsystems/2023-interchange-fee.htm