New Chargeback Data Reveals Surprising Insights and Trends

American Fork, UT, May 12, 2021 — Midigator®, the leading provider of dispute management services, today released “The Year in Chargebacks” report. The third annual publication provides unprecedented insights into why disputes happen, how to effectively prevent and fight chargebacks, and what can be expected in the future.

Data-driven decisions are an essential part of a successful chargeback management strategy. However, key insights are often difficult to determine and challenging to understand. Midigator’s goal for “The Year in Chargebacks” is to provide valuable, relevant data that can serve as a benchmark to evaluate individual efforts. 

The takeaways of the 2021 report highlight the dynamic, evolving nature of payment disputes:

  • Ongoing, technology-assisted chargeback management efforts continue to prove effective. The study’s chargeback-to-transaction ratio decreased 25.1% between 2019 and 2020. In total, the ratio has dropped 48.4% since 2017.
  • International risk fluctuates by region and year. Of the 47 countries in the study, 31 (or 66%) experienced an increase in their chargeback-to-transaction ratio between 2019 and 2020. 
  • There’s significant value in fighting chargebacks. Merchants in 22 industries experienced an average return on investment of 595%, with revenue recovery reaching millions of dollars and labor savings amounting to thousands of hours. 
  • The COVID-19 pandemic significantly impacted businesses in many ways, but the effect on chargeback management was minimal. 

“Data analysis has always been the foundation of Midigator’s chargeback management philosophy,” said Corey Baggett, CEO of Midigator, “and this report shows why. Success derived from assumptions and guesses is only temporary. But data-driven decisions solve problems at their source, yielding sustainable results that improve over time.”

Midigator was the first chargeback management company to provide real-time reporting and in-depth analytics, introducing intelligent, data-driven decisions into the payment dispute process. Nearly a decade later, thousands of merchants, acquirers, processors, and vendors have come to depend on Midigator’s advanced technology and team of experts when creating effective risk management strategies. Through “The Year in Chargebacks”, Midigator is able to share this expertise more broadly.

The 2021 report contains 48 months’ worth of data, carefully examining year-over-year trends in nine different categories. The data — generated from 52 million transactions and $2.1 billion in total transaction volume — was collected from a diverse subset of global merchants representing various industries, billing models, transaction volumes, and dispute management styles. 

Click here to read “The Year in Chargebacks” report. A condensed version of the report is also available for download. 


About Midigator: Midigator believes the challenges of running a business should be delivering great products or services, not managing payment risk. That’s why the company became the first to use technology to prevent, fight, and analyze chargebacks, providing an efficient and effective alternative to labor-intensive, manual processes. Midigator’s technology removes the complexity of payment disputes so businesses can get back to business. Features like real-time reporting, labor-saving automation, and in-depth analytics benefit businesses of all sizes in all industries. To learn more, visit

Contact Midigator: 

Jessica Velasco