Chargeback Analytics
Beast's AI-powered chargeback analytics traces every chargeback to the offer, affiliate and customer behind it, so you know what to fix before your ratios climb.
The problem
Chargebacks arrive weeks or months after the sale, so this month's rate isn't the real one.
Processor reports count chargebacks by MID, not by the offer, affiliate or customer behind them.
A 10.4 or a 4837 means little until you see it by offer, affiliate and customer.
A few customers dispute again and again, and each one costs more than they paid.
Why it matters
324M
Chargebacks a year worldwide by 2028, up from 261M in 2025
$110
All-in cost of an average chargeback, once fees, goods and labor are counted
1.5%
Visa's excessive line for a merchant's dispute and fraud ratio, from April 2026
SourcesMastercard, 2025 State of Chargebacks (volume); ClearSale, citing Mastercard 2025 data (cost); Visa Acquirer Monitoring Program (limit).
Inside the engine
Beast's AI matches every chargeback, refund and alert to the sale behind it, so each one carries its offer, affiliate, MID, card and customer, whichever processor it came through.
Payments team
Our payments team helps you read a rise and find its source, from an affiliate sending poor traffic to an offer customers don't recognize on their statement.
What you get
Every chargeback reason, from fraud claims to canceled subscriptions, by offer, affiliate and MID, with the trend, so a rising one stands out.
Chargebacks by reason, last 30 days: 10.4 other fraud, card absent 214, 13.1 merchandise not received 133, 13.2 cancelled recurring 114, 4837 no cardholder authorization 95, 4853 cardholder dispute 76. Other fraud, card absent is up 38% in two weeks, mostly from Affiliate 12.
Everyone who filed a chargeback, with what they've paid and what they're worth after it, from customers worth keeping to the ones draining margin.
Customers who filed a chargeback in the last six months: worth keeping, 1,120 customers, net lifetime value $186; at-risk revenue, 310 customers, net lifetime value $92; healthy baseline, 1,280 customers, net lifetime value $41; margin drain, 690 customers, net lifetime value −$38. 286 filed more than once.
Every alert matched to its order: which ones stopped a chargeback, and what you paid for the ones that didn't.
Alerts, last 30 days: 1,270 alerts; 76.5% stopped a chargeback; already refunded 86, became a chargeback 150, invalid order 62. $4.5K spent on 298 alerts that didn't stop a chargeback, at $15 an alert.
Disputed sales and fees in dollars, and the share each offer and affiliate brings, so you see which source to fix first.
Chargebacks cost $47.4K in the last 30 days: $31.6K in disputed sales and $15.8K in fees. By source, share of sales against share of chargebacks: Affiliate 12 6% and 24%; Direct 38% and 30%; Affiliate 3 24% and 19%; Affiliate 7 18% and 15%; Affiliate 21 14% and 12%.
How it works
No code in your checkout. Nothing to migrate.
Link your billing platform and processors, read-only.
Live in days
Beast ties every chargeback, refund and alert to its sale, every day.
Every cause in view
Find the offer, affiliate or customer behind a rise, and fix it at the source.
Fewer chargebacks
Case study
$914,758
secured · 12 Aug to 23 Sep 2026
| Before launch (60-day benchmark before launch) | 57.1% |
|---|---|
| After launch (First six weeks, traffic Beast managed) | 70.0% |
| Change, derived | +12.9 pts |
“Beast Insights turned my whole business around. … Their tools use millions of retroactive data points to match transactions with merchant accounts for the highest approval opportunity and lowest refund rate.”
Two ways to use it
Every chargeback, refund and alert traced to its sale, every day. Your team decides what to change.
Everything in the Platform, plus Beast runs routing and retries for you and reports the lift every month.
Measuring where your chargebacks come from and why: by offer, affiliate, MID, processor and customer, by reason and by month of sale. It's also called chargeback analysis or chargeback reporting. Beast ties every chargeback to the sale behind it, so you can see what drives your rate and fix the cause instead of fighting one dispute at a time.
Beast does, for subscription merchants. It reports chargebacks, refunds and alerts by card network, reason, processor, MID, offer and affiliate every day, each with its trend, so you can see which ones are rising and why. For each MID's Visa and Mastercard ratios against their limits, see MID Health Monitoring.
Beast's Platform plan, from $99 a month, billed by your processing volume. It includes chargeback analytics alongside approvals, recovery, monitoring and profit, for unlimited users. Beast reads your billing platform and processors, read-only, so there's no code to add and nothing to migrate. See pricing for every volume band.
All the chargebacks from one month of sales, tracked from the day of the sale to 90 days and beyond. Because chargebacks arrive weeks or months after the charge, a cohort shows each month's real chargeback rate as it builds, and whether newer sales are running above your normal.
Usually one source changed: an offer, an affiliate or a traffic source drawing customers who dispute. Beast breaks the rise down by offer, affiliate, reason and MID, so you can see which one moved and when it started. For a sudden jump, Anomaly Alerts flags it the moment it happens.
One well below your own normal and the card networks' limits. Visa counts a merchant as excessive at a 1.5% dispute and fraud ratio from April 2026, and many acquirers act well before that. Track it by offer and month of sale, not just in total. Our chargeback ratio guide shows how each network counts it.
What the cardholder's bank said went wrong: fraud, an item not received, a canceled subscription and more. Each network has its own codes, so Beast shows every reason by offer, affiliate and MID, which points to what to fix. Every code is explained in our chargeback reason codes list.
Yes. Beast lists every customer with a chargeback, how many they've filed, what they've paid and their lifetime value after chargebacks. It groups them from the customers worth keeping to the ones costing more than they pay, so you know where repeat disputes come from and which offers draw them.
Beast shows you. It matches every alert to its order and shows which ones stopped a chargeback, which were already refunded, which became a chargeback anyway and which were for invalid orders, with what each cost, by provider, MID and acquirer, so you can ask your provider for credits. More on whether your alerts are working.
Both, for different jobs. Card networks count chargebacks in the month they arrive, so your ratios follow the chargeback date. To find the cause, count them against the sale. Beast shows both, so you can see which month's sales, offer and affiliate each chargeback came from.
A processor reports only its own chargebacks, by MID, often weeks later. Beast puts every processor together and ties each chargeback to its sale, so you see the offer, affiliate and customer behind it, by reason and by month of sale, not just a count per MID.
Every day. Beast reads the day's chargebacks, refunds and alerts from every processor and updates every view, so a rise shows up the next morning instead of in next month's report. For problems as they happen, Anomaly Alerts watch every MID in real time.
Your billing platform and your processors, read-only. Chargebacks, refunds and alerts arrive with the rest of your payment data. There's no code to add to your checkout and nothing to migrate, and most merchants are live in days. See every platform Beast connects to on the integrations page.
Chargeback Analytics is part of the Platform plan, billed monthly by your processing volume, from $99 a month. The same plan includes MID Health Monitoring, Processor & MID Analytics and the rest of the Platform, for unlimited users. See pricing for every volume band.
Further reading
