mattb - 6:06 pm on Sep 9, 2013 (gmt 0)
It's probably not your chargeback rate.
The processor is floating you a loan until they receive the payments from Visa/MC. They want to make sure you ship the product. Did they give you a date that they would release the funds? This happened to us many years ago. It was a surprise at the time, but we made it through. It hasn't happened since.