How to actually lower your chargeback ratio
Practical levers that lower a chargeback ratio: descriptor clarity, refund policy, delivery evidence, response speed, dispute alerts, and the ratio math.
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Guides for high risk merchants
Plain-English answers on terminations, the MATCH list, chargebacks and underwriting.
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Chargebacks
Terminations
Why Stripe and Square close accounts without warning
The risk model behind sudden Stripe and Square account closures, what actually triggers a review, and what each company's own published policies say.
Explainers
Aggregators vs dedicated accounts: the day-to-day difference
What changes day to day between an aggregator like Stripe or Square and a dedicated merchant account, beyond pricing, and when each setup is the right call.
Costs and fees
Rolling reserves explained: how they actually work
How rolling, upfront and capped merchant account reserves work mechanically, why high risk accounts carry them, and the questions worth asking before you sign.
Underwriting
What underwriting actually looks at, in order
The file a high risk underwriter reads, in the order they read it, and exactly which documents to have ready before you apply for a merchant account.
Chargebacks
Chargeback thresholds explained: the card networks' own numbers
The exact Mastercard MATCH and Visa VMSS chargeback and fraud thresholds, published by the card networks themselves, explained in plain English with sources.
Terminations
What actually gets a merchant account terminated
The real, ranked reasons processors terminate merchant accounts, from chargeback ratios to reputational risk, and which ones a business can prevent.
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