Chargeback management solution provider Justt analyzed millions of contested card payments from July 2024 to June 2026 for our 2026 Chargeback Benchmark Report, The Fraud to Service Shuffle. Three findings stood out:
- Payments disputes are moving from fraud to service. Fraud’s share of contested chargebacks fell from 74.6% to 60.4% in a year, the lowest in two years. Product Not Received almost doubled (7.1% → 13.3%), and Cancelled Recurring rose from 5.9% to 10.8%. Consumers are using chargebacks to settle complaints about deliveries and subscriptions.
- The same merchants are getting more payment disputes. Comparing the same merchants year over year, the median merchant handled 13% more contested chargebacks. The top quartile grew 68% or more. Software Subscriptions and Financial Services are the industries where chargeback volume grew the fastest.
- Where you process matters a lot. For the same reason group in the same quarter, fraud win rates across major PSPs differ by more than 30 percentage points. Among major US issuers, the gap is over 35pp.
If your chargeback strategy was built for a fraud-first world, it’s time to look at it again.
For more details, download the report here: https://welcome.justt.ai/2026-chargeback-benchmark-report
