Fraud is no longer the whole story. Benchmark your dispute mix, volume growth and ticket sizes against merchants in your industry, based on millions of contested chargebacks processed across 24 months and seven industries.
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If your dispute strategy is built around fraud, it's built for last year's problem. Fraud claims fell from 74.6% to 60.4% of contested chargebacks in a single year. Disputes over undelivered orders and subscriptions customers thought they had cancelled nearly doubled. Your customers are skipping your support team and going straight to their bank, and banks are siding with them. That means more disputes, bigger disputes, and a different kind of evidence needed to win them.
Fraud's share of contested chargebacks in Q2 2026, down from 74.6% a year earlier. Service disputes are taking its place.
Growth in “Product Not Received” disputes, from 7.1% to 13.3% of all chargebacks. Proof of delivery now matters as much as proof of identity.
Share of disputes from cancelled subscriptions, up from 5.9%. Nearly one in five in software subscriptions.
YoY growth in contested chargebacks at the median merchant. The top quarter of merchants grew 68%+. Where do you sit?
Average disputed ticketing purchase, the highest of any industry and up 33% year over year.
Fraud's share of chargebacks in the UK & Ireland, the only major region where service disputes outnumber fraud.
Gap in fraud win rates between payment processors handling the same dispute type in the same quarter.
Industry deep dives, regional splits and processor benchmarks.
| Industry | Fraud share, Q2'26 | Same-merchant volume growth | Avg / median dispute, Q2'26 |
|---|---|---|---|
| Gaming | 84% | +9% | $34 / $20 |
| Retail | 69% | +15% | $231 / $88 |
| Financial Services | 67% | +107% | $99 / $45 |
| Delivery | 66% | −6%* | $54 / $42 |
| Travel | 63% | +21% | $358 / $190 |
| Software Subscription | 58% | +222% | $55 / $17 |
| Ticketing | 34% | +20% | $593 / $292 |
*Excluding a single outsized merchant.
Cancellation disputes are the hardest major category to win. Clear billing descriptors and painless cancellation flows stop many of them before they reach the bank.
“Not received” and “not as described” claims aren't won with fraud evidence. Match each dispute to the evidence that answers it: delivery confirmation, usage, policy acceptance.
Win rates swing 30pp+ by processor. And 0.5% of contested chargebacks were already refunded before the dispute was filed, including every Ethoca/Verifi alert that escalated.
Our team will walk you through your dispute mix against the 2026 benchmarks, and where you can recover more revenue.
Justt.ai is the AI-native platform for enterprise chargeback management, helping merchants recapture profit at scale. Founded in 2020 with offices in New York, London and Tel Aviv, Justt is trusted by more than 250 global enterprise merchants and 80,000 SMBs. It was named to the Forbes Fintech 50 in 2026.