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You have to be doing a pretty hefty number of transactions before VISA even bothers with you - 10,000 a month plus.
[edited by: FalseDawn at 1:11 pm (utc) on Aug. 7, 2006]
The treshold for MasterCard is 1% in transaction and 2.5% in volume where the trigger for participation in chargeback monitoring program is 15 chargebacks in one month.
So, if you have 14 chargebacks and a ratio of 3% they don't care.
If you have 25 chargebacks and a ratio of 0.93% they don't care.
If you have 16 chargebacks and a ratio of 1.01%, you are in trouble.
However, effective October 1, 2006 these figures will be changed to 50 chargebacks/month and 0.5% in transactions.
Where 50 chargebacks is just bad business practice in my opinion.
For Visa it is respectively 2% in transaction and 200 chargebacks, not sure about the allowed volume percentage.