Chargeback Thresholds and Merchant Monitoring: From Being Flagged to Being Cleared
A chargeback ratio is not just an internal metric - it carries scheme thresholds. Once a merchant enters a monitoring program the consequences go well beyond fines, to mandatory reserves, higher pricing and even termination. This article separates the three ratios, explains how monitoring programs are structured and what they really cost, and lays out a daily monitoring scheme that raises an alarm before the threshold is crossed.