Worth understanding before you are in one rather than after.
What is monitored
·Card networks monitor dispute rates and fraud rates at the merchant level, and combine them in current programs rather than treating them separately.
·Enumeration and card-testing — automated attempts to validate stolen card numbers against your checkout — are monitored in their own right, and a merchant can be caught by it without having done anything wrong.
What it means for you
·Exceeding a threshold can bring fees, mandatory remediation, reserve changes or account closure.
·Responsibility sits with both the acquirer and the merchant, which is why a Provider will ask how you handle disputes before approving you.
What reduces the risk
·A clear billing descriptor customers recognize on a statement.
·Responsive customer service, and refunds handled before they become disputes.
·Accurate product descriptions and delivery timeframes.
·Rate limiting and verification at checkout to make card testing unattractive.
·Telling us early when volumes or products change materially.
