When you enrol in Chargeback Protection, Stripe will protect eligible fraudulent disputes up to the amounts listed below, per calendar year. The limit will depend on your account's settlement currency.

When a dispute is created and protected by Chargeback Protection, the protected amount, dispute fee and any associated monitoring programme fees will count towards the limit for the calendar year.

For example, if an eligible US$10 charge was processed on 31 December 2019 but a fraudulent dispute is opened by the customer on 1 January 2020, then the US$10 protected by Stripe plus the US$15 of waived dispute fee will count towards the protection limit for 2020. This means that you will have accrued US$25 towards your protection limit for 2020.

You will receive an email when you reach 75% of your limit and we will email you again once you've reached 100% of your annual limit. Stripe will only protect an eligible dispute if the entire disputed amount can be protected without exceeding the annual limit.

For example, if Stripe has protected US$24,800 for your account for the 2019 calendar year and a new dispute in your account is opened for US$500, this dispute would push your total amount of disputes to US$25,300. This amount (US$25,300) exceeds the Chargeback Protection annual limit (US$25,000). This means that this dispute will not be protected by Stripe.

Once you've reached the limit for protected disputes per calendar year, any future disputes opened in that year against your account will not be protected by Stripe. Despite having reached the annual protection limit, the Chargeback Protection product will continue to use machine-learning technology to dynamically modify your Checkout interface to continue to help you to reduce fraud chargeback claims. You can turn off Chargeback Protection at any time from the Dashboard in the Checkout settings.

The total amount protected by Stripe will not change if Chargeback Protection was turned off and then back on again during the calendar year. In other words, the annual limit only resets at the beginning of the following year and not when Chargeback Protection is turned on. You can turn off Chargeback Protection at any time from the Dashboard in the Checkout settings.