🇦🇪UAE

تكاليف الإرجاع البنكي (Chargeback Costs)

2 verified sources

Definition

Ineffective chargeback dispute management results in lost revenue from reversed transactions and processing fees, common in online retail due to delays in response or insufficient documentation.

Key Findings

  • Financial Impact: AED 500-2,000 per chargeback (disputed amount + AED 100-200 fee; 1-2% of transaction value)
  • Frequency: Per disputed transaction, with high volume in e-commerce (industry avg. 0.5-1% of sales)
  • Root Cause: Manual investigation delays, missing evidence like shipping proofs, failure to meet response deadlines

Why This Matters

This pain point represents a significant opportunity for B2B solutions targeting Online and Mail Order Retail.

Affected Stakeholders

Finance Manager, Customer Service Team, E-commerce Operations

Deep Analysis (Premium)

Financial Impact

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Current Workarounds

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Methodology & Sources

Data collected via OSINT from regulatory filings, industry audits, and verified case studies.

Evidence Sources:

Related Business Risks

احتيال الإرجاع الودي (Friendly Fraud Chargebacks)

1-3% of annual revenue (AED 100,000+ for AED 5M turnover stores); AED 200-500 fee per incident

تأخير استرداد الإيرادات من النزاعات (Chargeback Recovery Delays)

45-90 days cash drag per dispute; 20-40 hours/month manual effort (AED 4,000-8,000 at AED 200/hr labor)

تجاوز تكاليف النقل السريع

AED 50-150 per rush shipment; 10-20% logistics cost overrun

غرامات عدم الامتثال لـ KYC

AED 50,000 - 200,000 per violation (statutory fines for AML non-compliance); 20-40 hours/month manual verification per 1,000 customers

تأخير التحقق من الهوية

10-20 extra Days Sales Outstanding (DSO); AED 5,000-15,000 monthly interest on delayed receivables for AED 1M monthly sales

فقدان المبيعات بسبب التحقق البطيء

2-5% revenue churn from cart abandonment; AED 20,000-50,000 monthly lost sales for AED 1M revenue business

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