Merchants will typically want to keep their chargeback rates below 1 percent. Once a Merchant gets close to 1 percent or goes over, it needs to work to bring that percentage down or risk losing their ability to accept card-based payments through their Merchant Acquirer. The card networks place stringent rules on their Merchant Acquirers to make sure that all Merchants maintain chargeback rates below 1 percent. Specialized Merchant Acquirers will underwrite riskier businesses but will charge a lot more per transaction.
