---
title: Monthly dispute and chargeback reporting
slug: concepts/cards/reporting-and-compliance/monthly-dispute-chargeback-reporting
description: Monitor card transactions, disputes, chargebacks, and risk metrics to support compliance, audit readiness, consumer protection, and network threshold tracking.
docTags: 
createdAt: 2026-06-08T14:24:18.721Z
---

## Overview

This report enables Cross River to meet its regulatory obligations, satisfy card network monitoring requirements, manage financial risk, and maintain effective third-party oversight as required by banking regulators. These reports ensure consumer protection standards are upheld and that the bank remains audit-ready at all times.

## Sample File

::File{src="https://api.archbee.com/api/presign/4hvUOg5mU1sCngl0n0Has/PRidKvuv6Nb_J-lpMCBNN_dispute-and-chargeback-report.xlsx" label="Dispute and Chargeback Report.xlsx"}

## Explanation of fields

| Field                              | Data Type       | Description                                                                                                                                                                                                                  | Required/Optional/Conditional |
| ---------------------------------- | --------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------- | ----------------------------- |
| Number of Card transactions        | Integer         | Total count of card transactions processed during the reporting period (includes purchases, ATM withdrawals, and other card-initiated transactions). Serves as the denominator for dispute and chargeback rate calculations. | Required                      |
| Card Spend ($)                     | Decimal         | Total dollar volume of all card transactions processed during the reporting period. Represents gross spend before any reversals, refunds, or chargebacks.                                                                    | Required                      |
| Number of disputed Transactions    | Integer         | Total count of transactions formally disputed by cardholders during the reporting period. Includes all disputes regardless of outcome (won, lost, pending).                                                                  | Required                      |
| Disputed Amount                    | Decimal         | Total dollar value of all transactions disputed by cardholders during the reporting period, regardless of resolution outcome.                                                                                                | Required                      |
| Dispute Rate                       | Decimal         | Ratio of disputed transactions to total card transactions. <br />**Formula:**<br />Number of Disputed Transactions ÷ Number of Card Transactions. Expressed as a percentage.                                                 | Required (Calculated)         |
| Dispute $ Rate                     | Decimal         | Ratio of disputed dollar volume to total card spend. <br />**Formula:**<br />Disputed Amount $ ÷ Card Spend $. Expressed as a percentage. Measures dollar-weighted dispute exposure.                                         | Required (Calculated)         |
| Number of Chargeback Transactions  | Decimal         | Total count of disputes that escalated to a formal chargeback (i.e., the transaction was reversed back to the merchant/acquirer through the network). A subset of disputed transactions.                                     | Required (Calculated)         |
| Number of Chargeback $             | Decimal         | Total dollar value of all chargebacks processed during the reporting period. Represents funds reversed through the network dispute process.                                                                                  | Required (Calculated)         |
| Chargeback Number rate             | Decimal         | Ratio of chargeback transactions to total card transactions. <br />**Formula:**<br />Number of Chargebacks ÷ Number of Card Transactions. Key network monitoring threshold metric (Visa VDMP triggers at 0.9%).              | Required (Calculated)         |
| Chargeback $ Rate                  | Decimal         | Ratio of chargeback dollar volume to total card spend.<br />**Formula:**<br />Chargeback $ Amount ÷ Card Spend $. Measures dollar-weighted chargeback exposure relative to overall portfolio volume.                         | Required (Calculated)         |
| Reporting Period                   | Date or VARCHAR | What period does each row represent                                                                                                                                                                                          | Required                      |