#237 Why Having Low Chargebacks Is No Longer Enough to Keep Your Account Safe

Click & Convert with Maria Sparagis · May 28, 2026 · 15m

Your account can get flagged long before you ever hit a 1% chargeback rate.

For years, 1% was treated like the magical chargeback threshold. As long as your business stayed under it, most merchants assumed their account was safe. But a lot of ecommerce brands are now finding out that low chargebacks alone won’t protect you from reserves, payout holds, or account reviews anymore.

Payment processors are looking at a much broader picture of risk today — including refund rates, dispute activity, customer complaints, sudden spikes in volume, and overall account behavior. Even a small shift in your…