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Rising disputes and rising costs


Increase in dispute rates across the Sift network in Q3 2022 vs. Q1 2022


Average disputed amount increased 16% from 2021-2022

Impacted Industries:

Verticals with the highest number of disputes from January–September 2022.

Digital Goods & Services




of consumers who have requested a chargeback admit to participating in first-party fraud, sometimes known as “friendly fraud.”

Fraud’s impact on customer loyalty

Percent of consumers who would abandon a brand due to fraud

74% due to payment fraud

Data represents responses to multiple surveys of U.S. adults conducted by Sift between 2020-2022.

74% due to payment fraud

due to account fraud/ATO

68% due to fake or misleading content

83% due to a fraud dispute

Image of Brittany Allen

Brittany Allen, Trust and Safety Architect at Sift

“Rising disputes amid an economic downturn pose a serious threat to any business’s bottom line. Merchants not only need a proactive fraud strategy to protect and recover revenue that would be lost to chargebacks, but they also need to evaluate their end-to-end dispute management process.”