Chargeback/refund rate = share of paid conversions clawed back after the fact.
— Initial decline rate at rebill 2: 14% ▏▏▏
— Cumulative reversal by rebill 3: 22% ▏▏▏▏▏
— Chargeback (forced bank reversal) share: 4.1% ▏
— Voluntary refund share: 17.9% ▏▏▏▏
Most loss is voluntary refunds, not chargebacks; that means LTV models, not fraud filters, are your lever. Networks reporting sub-10% reversal on rebill nutra are almost always counting a shorter window. n=61k rebill subscriptions.
Read: discount any rebill EPC by ~20% before comparing it to a single-payment offer.
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Rebill nutra: 22% of month-1 revenue reverses by month 3
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