Does winning chargebacks protect my account?

Not entirely. While winning disputes is important, account security is primarily tied to maintaining a low chargeback ratio—the number of chargebacks relative to your total monthly transactions.

Payment processors and card networks monitor this ratio closely. A high chargeback ratio can flag your account as high-risk, regardless of your win rate.

To help with this, ChargePay offers proactive prevention tools designed to stop disputes before they happen.

For example, our prevention service actively detects and alerts you to potential disputes in real time, helping you take action before they escalate into chargebacks.
Keeping your chargeback ratio low is the best way to protect your account's standing.

Updated on: 09/09/2025