Current Fraud Exposure
Based on your inputs — methodology details available on each metric
Annual Transactions
~1,764,706
transactions / year
Annual Revenue ÷ AOV$150,000,000 ÷ $85 ≈ 1,764,706
Annual Chargebacks
~10,588
total chargebacks / year
Transactions × Chargeback Rate1,764,706 × 0.60% ≈ 10,588
ATO / Third-Party CBs
~3,176
Helix prevents these
Total Chargebacks × ATO Fraud %10,588 × 30% ≈ 3,176
These are the chargebacks Helix prevents at the authentication step before the transaction processes.
Friendly Fraud CBs
~4,765
Helix evidences these
Total Chargebacks × Friendly Fraud %10,588 × 45% ≈ 4,765
Helix cannot prevent these disputes, but provides cryptographic authentication evidence to strengthen representment.
Chargeback Fees
$317,647
bank / processor fees / year
Total Chargebacks × Fee per Incident10,588 × $30 = $317,647
These fees apply to all chargebacks, not just fraud-related ones.
ATO Merchandise Loss (Direct)
$269,960
merchandise lost to ATO & third-party fraud chargebacks
ATO Chargebacks × AOV3,176 × $85 = $269,960
Only ATO/third-party chargebacks are counted here — Helix prevents these before the transaction completes. Friendly fraud merchandise loss is addressed separately through improved representment.
Total Estimated Annual Fraud Cost
$3,014,977
Merchandise losses × 4.61 LexisNexis multiplier + chargeback fees
(ATO Merchandise Loss × 4.61) + Chargeback FeesThe 4.61× multiplier (LexisNexis 2024 True Cost of Fraud Study) accounts for every $1 of direct fraud loss generating $4.61 in total costs: investigation labor, dispute management, chargebacks, fraud tool costs, and lost customers.
The multiplier is applied to ATO merchandise losses only — the fraud that results in completed unauthorized transactions. Chargeback fees are a separate known cost added on top. Friendly fraud costs are tracked separately.
Why 4.61×? The LexisNexis 2024 True Cost of Fraud Study found that for every $1 of direct fraud loss, U.S. e-commerce merchants incur $4.61 in total costs — including operations, investigation, penalties, and customer churn.
| ATO merchandise loss (direct) | $269,960 |
| Total ATO cost (4.61× multiplier) | $1,244,516 |
| Chargeback fees — all disputes | $317,647 |
| VAMP penalties (if applicable) | $0 |
| Grand total annual fraud cost | $1,562,163 |
Helix Impact Projection
Projected savings by fraud type. These are projections, not guarantees.
What if you could stop fraud-related chargebacks before they happen? Helix uses device-bound, zero-knowledge proof authentication to verify customers at the moment of risk — with zero friction for legitimate buyers.
Direct Fraud Prevention
Chargebacks Helix prevents from occurring — device-bound authentication stops ATO and stolen card fraud before the transaction processes.
Conservative −20%
CBs prevented~635
Merch. avoided$53,992
Fee savings$19,059
Total savings$268,937
★ Target −35%
CBs prevented~1,112
Merch. avoided$94,486
Fee savings$33,353
Total savings$469,580
Aggressive −50%
CBs prevented~1,588
Merch. avoided$134,980
Fee savings$47,647
Total savings$670,822
Representment Evidence
Improved chargeback dispute outcomes — cryptographic proof of device-bound authentication strengthens your representment cases for friendly fraud disputes.
Conservative +10pp
Win rate8% → 18%
Extra wins~477
Revenue recovered$40,534
★ Target +15pp
Win rate8% → 23%
Extra wins~715
Revenue recovered$60,800
Aggressive +20pp
Win rate8% → 28%
Extra wins~953
Revenue recovered$81,001
Total Annual Savings — Target Scenario
Direct fraud prevention (35% ATO reduction)
$469,580
Improved representment (+15pp win rate)
$60,800
Combined total savings
$530,380
For every $1 invested in Helix, you recover $10.61 in fraud losses and disputed revenue.
This projection covers fraud types addressable through pre-transaction device-bound authentication (account takeover, third-party card fraud) and representment evidence for friendly fraud disputes. It does not account for return fraud, shipping fraud, or policy abuse, which require fulfillment-layer controls. Reduction percentages are projections based on industry data for pre-transaction authentication tools and are validated during the pilot period.
Visa VAMP Risk Assessment
Visa Acquirer Monitoring Program — effective January 2026
You're currently below Visa's early warning threshold.
Proactive fraud prevention keeps you here. At your current chargeback rate of 0.60%, you are below both the 0.65% monitoring zone and the 0.90% VAMP excessive threshold.
✓ <0.65% — Safe
⚠ 0.65%–0.89% — Monitoring Zone
🚨 0.90%+ — VAMP Excessive ($10/dispute)
Source: Visa VAMP program documentation. The $10/dispute penalty applies only to disputes exceeding the 0.90% threshold, not to all disputes.
Ready to see Helix in action on your checkout flow?
Book a 20-minute demo and we'll walk through how pre-transaction authentication would work for your specific fraud profile.