Chargeback reserve

The calculator uses the numbers you enter. With 90000 sales USD, 0.8 cb %, 5 reserve %, 90 days, 8 capital % the result is $268.77 | $4,500.00. This is not a Stripe reserve quote.

This is not a Stripe reserve quote. Fraud review is on Fraud review.

Results

Enter data and click Calculate.

How it works

Chargeback reserve in this calculator is cost of capital on a rolling reserve plus 25% of the rate. With 90000 sales USD, 0.8 cb %, 5 reserve %, 90 days, 8 capital % the result is $268.77 | $4,500.00.

frozen = sales × reserve%. opp = frozen × rate × days/365. risk = sales × cb% × 0.25. The formula uses rolling reserve and chargeback.

$268.77 | $4,500.00 is not a Stripe reserve quote. Another set of numbers gives $74.00 | $1,800.00, and a further set gives $954.25 | $12,600.00. Empty scenario fields do not change the result.

Fraud review answers a different question. Payment float does too. Here 90000 sales USD, 0.8 cb %, 5 reserve %, 90 days, 8 capital % leave $268.77 | $4,500.00.

Type 90000 sales USD, 0.8 cb %, 5 reserve %, 90 days, 8 capital % and click Calculate. Two more ready sets sit under the form: $74.00 | $1,800.00 and $954.25 | $12,600.00.

Other numbers on the same labels move the result. The first example gives $268.77 | $4,500.00.

Formula

frozen = sales × reserve%. opp = frozen × rate × days/365. risk = sales × cb% × 0.25.

How to use

Type 90000 sales USD, 0.8 cb %, 5 reserve %, 90 days, 8 capital %.
Leave the scenario fields empty if you do not have those numbers.
Click Calculate. This set shows $268.77 | $4,500.00.
The second example under the result is $74.00 | $1,800.00, the third $954.25 | $12,600.00.
This is not a Stripe reserve quote.

Chargeback reserve = $268.77 | $4,500.00

With 90000 sales USD, 0.8 cb %, 5 reserve %, 90 days, 8 capital % the result is $268.77 | $4,500.00. This is not a Stripe reserve quote.

Chargeback reserve: Chargeback reserve is this calculator's result. The first example is $268.77 | $4,500.00.
rolling reserve: The formula includes rolling reserve. The second example gives $74.00 | $1,800.00.
chargeback: The formula includes chargeback. The second example gives $74.00 | $1,800.00.

Examples

Example 1

90000 sales USD
0.8 cb %
5 reserve %
90 days
8 capital %

$268.77 | $4,500.00

With 90000 sales USD, 0.8 cb %, 5 reserve %, 90 days, 8 capital % the result is $268.77 | $4,500.00. This is not a Stripe reserve quote.

Example 2

45000 sales USD
0.5 cb %
4 reserve %
60 days
6 capital %

$74.00 | $1,800.00

With 45000 sales USD, 0.5 cb %, 4 reserve %, 60 days, 6 capital % the result is $74.00 | $1,800.00.

Example 3

180000 sales USD
1.2 cb %
7 reserve %
120 days
10 capital %

$954.25 | $12,600.00

With 180000 sales USD, 1.2 cb %, 7 reserve %, 120 days, 10 capital % the result is $954.25 | $12,600.00.

Related calculators

Common questions

What do you get from 90000 sales USD, 0.8 cb %, 5 reserve %, 90 days, 8 capital %?

The result is $268.77 | $4,500.00. This is not a Stripe reserve quote.

What about the second example?

The result is $74.00 | $1,800.00.

What about the third example?

The result is $954.25 | $12,600.00.

Is $268.77 | $4,500.00 a Stripe reserve quote?

No. It is the result from the numbers you enter.

Do empty fields change $268.77 | $4,500.00?

No. Empty scenario fields do not change the result.

How is this different from Fraud review?

That calculator answers another question. Here Chargeback reserve stays at $268.77 | $4,500.00.

Does a comma in the number work?

Yes. A comma and a dot mean the same in a number field.

Why is there a currency in $268.77 | $4,500.00?

The header label is usually USD. Another currency changes the label, not the amount.

Do 45000 sales USD, 0.5 cb %, 4 reserve %, 60 days, 6 capital % give $74.00 | $1,800.00?

Yes. That is the second example under the form.

Knowledge sources

Agent cost is a sketch from your rates. Below are EU, OECD and NIST AI frames, not a contract quote.

Page updated in 2026.