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| If discount rate were… | Net / unit | Monthly net |
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Chargebacks are modelled as full loss of revenue plus the chargeback fee — you lose the sale, the product and the fee. Refunds are modelled as loss of revenue and shipping, with product recovered.
How to read this
The number that surprises most resellers is the gap between gross margin and net. A $31 gross margin routinely lands near $18–$20 once processing, shipping, fulfillment, refunds and chargebacks are taken out — and the chargeback line does the most damage, because a chargeback costs you the revenue, the product, the shipping and a fee of $15–$100.
The sensitivity table matters because your processor discount rate is the input you have least control over and it changes when you switch acquirers or get repriced. Half a point sounds trivial and is not.
For the full picture on rates, reserves and what drives them, see the payment processing guide. For where wholesale cost comes from, see reseller margins.
Research use only. This calculator is a modelling aid, not financial advice. Figures shown are your inputs, not PeptideDropship rates.