chargeback rate hit 3% — network is threatening termination

Running a nutra offer and the chargeback rate climbed to 3.2% this month. The payment processor sent a warning that they'll terminate if it doesn't drop below 2.5%.

The offer itself is converting well — the issue is a subset of customers who don't read the terms and then dispute. We've tried making the terms more prominent but it hasn't helped.

1. What's the realistic threshold before they actually pull the plug?
2. Any tactics to push disputes away from chargebacks?

Which processor? Warning letters mean different things depending on who sent it.

Stripe — using a high-risk account through a reseller.

Stripe's actual threshold is 1%. You're already past the point where they should have terminated you.

The fact that they sent a warning instead means someone manually reviewed your account and decided to give you a chance. Do not assume that will happen again.

Tactics to reduce chargebacks:

1. Offer refunds before chargebacks — reach out to customers who email complaints and refund immediately. A refund costs you the sale but doesn't hit your CB rate.

2. Use a subscription billing model with clear cancellation. One-time purchases have higher CB rates because the customer feels burned. Subscriptions let them cancel if they change their mind.

3. Add a delay between purchase and fulfillment. Nutra has high CB because customers buy, then regret. A 24-hour delay with a clear cancellation window filters the regret buyers.

nutra at 3% is normal. you're under the offer's baseline

The processor doesn't care about the offer baseline — they care about their own risk. Thanks for the refund tip, we'll try that.