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Would Stripe tolerate %2 Charback if We're leaving more than enough money in the account to cover those disputes?

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moneyGeek

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Oct 6, 2022
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#1
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As the title says, if let's say we're making $100k+/month and our chargeback is ~2%, let's say we always leave at least $10k in our stripe, will stripe still close our account for the high chargeback rate even though we have enough funds to cover the risk of dispute?

Thanks.
 
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#2
Leaving more money in stripe wont make a different. First of all this money you keep there does not have same status as a proper rolling reserve. But most importantly if you deviate so much from the median/average vendor they will not bother dealing with you. If you can not keep your chargeback rate within normal range who can guarantee it wont go completely off the charts?
 
#4
No, if you reach their maximum allowed percentage chargeback ratio they will terminate your account.

Try bring down your chargeback ratio!
 
#6
You may improve your scrubbing of each transaction and do some verification. Lot's can be done, there are also services available to help you bring down your chargeback ratio.
 
#8
moneyGeek said:
As the title says, if let's say we're making $100k+/month and our chargeback is ~2%, let's say we always leave at least $10k in our stripe, will stripe still close our account for the high chargeback rate even though we have enough funds to cover the risk of dispute?

Thanks.
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Sales volume is irrelevant. It's the number of transactions/chargebacks. However, Visa and Mastercard calculate them slightly differently.

2% is never going to work. Anything above 1% will not be sustainable, and you'll be flagged/monitored.

How many transactions to generate 100k in revenue?
 
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#10
Simply subscribe to some of the many credit card Anti Fraud companies services and call each of your card payers!
 
#12
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#16
Dandyline said:
Spreading transaction through multiple MIDS and adding 1000 own subscriptions with pre paid cards that takes 0.1 cent per day or something.
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could possibly work if they don't figure that out with their anti fraud systems in place.
 
#17
aage said:
You may improve your scrubbing of each transaction and do some verification. Lot's can be done, there are also services available to help you bring down your chargeback ratio.
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I heard there are companies that help you bring your CB rates down. You have any recommendations? Or we can just run some volume personally via some VCC to increase the transactions and volume to bring down the ratio?
 
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#20
aniglo22 said:
there are automated tools for it .
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What tool would convince a bank of not enforcing the dispute from a card holder?
 
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