Disclaimer: The refund range provided is purely an estimate based on our best interpretation of publicly available data and industry knowledge. No firm, including ours, is permitted to guarantee or represent any specific refund amount in the Visa/Mastercard settlement—and in truth, no one can know in advance what any individual business will receive. However, the reduced 15% contingency fee is real and contractually guaranteed, ensuring that whatever refund you do receive, you will keep significantly more.