Free ToolChargeback Cost Calculator
The true cost of card processing. For your numbers.
Plug in your monthly volume and vertical. We'll show what you're losing to MDR, chargebacks, dispute fees, and rolling-reserve opportunity cost. Then compare to PYMSTR's 1% flat. Numbers update live.
// 01 · MONTHLY CARD VOLUME
$/mo
per month, in USD
// 02 · VERTICAL
MCC 7995, high-risk
industry average (drag to override)
click to override the default
//diagnosis · annual losslive
$654,000
per year on cards
On PYMSTR you'd pay $60,000/year.
You'd keep $594,000.
You'd keep $594,000.
//diagnosis · itemized at $500,000/month, igaming & sportsbookscompiled
| Line item | Monthly | Annual |
|---|---|---|
| Card processing fees (7% MDR) | $35,000 | $420,000 |
| Chargeback losses (2.5%) | $12,500 | $150,000 |
| Dispute fees (~125 disputes × $40) | $5,000 | $60,000 |
| Reserve locked × 8% opp cost ($300,000 at any moment) | $2,000 | $24,000 |
| Card total | $54,500 | $654,000 |
| PYMSTR total (1% flat — no chargebacks, no reserves) | $5,000 | $60,000 |
on every $100 a customer deposits
on cards you keep$89.10
on PYMSTR you keep$99.00
Apply these numbers to your actual contract.
A 20-minute call. No PSP forms, no KYB up front. Bring your last processor statement and we'll walk through the math.
Book a call →more reading
Data from publicly-documented Visa/Mastercard schedules and processor disclosures (2026). Estimates based on industry-published averages. Your actual rates may vary; drag the chargeback-rate slider for accuracy. PYMSTR is non-custodial and additive to your existing card processor, not a replacement.