2026 Chargeback Field Report

The 2026 Chargeback Field Report reveals growing merchant losses, higher consumer prices and a significant gap between chargeback deflection and friendly fraud. 83.4% of enterprise merchants report an increase in friendly fraud over the past three years, while nearly three-quarters of merchants describe friendly fraud as a “moderate” or “significant” concern. Also, nearly two-thirds of merchants currently use or plan to adopt AI-based fraud prevention tools, as 38% of merchants say chargeback costs are influencing the prices of their goods and services.