01 · One night, one restaurant
Ten guests. Ten cards approved. A normal Friday.
$1,246average close for a party of four at a New York steakhouse, paid on one card.Illustrative merchant
02 · Weeks later
One guest disputes the charge. The bank refunds them. They keep the dinner.
$128the cost of that single chargeback in fees, staff time, and systems, before the reversed sale itself.Mastercard, True Cost of a Chargeback, 2025
03 · It spreads
It worked, so they do it again. And their friends learn.
48%of consumers have disputed a charge they later admitted was legitimate. Instant refunds in an app made it a habit.Mastercard & Datos Insights, 20250guests served since that Friday. Watch how the disputes keep pace, then outrun them.
04 · Faster than sales
Chargebacks now grow faster than card transactions.
15% → 36%first-party misuse as a share of all fraud losses, in three years. It is now the dominant vector.LexisNexis Risk Solutions, 2025+24%global chargeback growth 2025 to 2028, from 261 million to 324 million.Mastercard & Datos Insights, 2025
05 · Who pays
Every loss flows back to the merchant. The bank and the network are insulated.
$0lost by this one restaurant to the disputes on screen, at $128 in cost plus the reversed sale.
06 · Where it stops
ChargeSecured stops all this at the register.
0claims stopped at the register or answered with the evidence built there: disclosure, acknowledgement, verification, a record of who received what.
See how it works ↓
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