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I am concerned that my account may be closed down.
Is this something I should worry about?
Are some banks or CC processing organizations more tolerant than others?
Phone them, try pre-authorisation or ask about callback facilities - you may be able to write a script to allow some cards through, block others and put another set on pre-auth (awaiting validation by hand) depending on AVS results, security code results etc...
If there is a pattern to the chargebacks, that will give you a starting point to try and correct the problem and see if you can reduce your high number of chargebacks. And yes, 20% is considered high.
If your merchant account provider sees you are taking pro-active steps to reduce the number of chargebacks, this may help if they are considering dropping your merchant account.
Are you selling software by download? If so, have a read of this thread.
CF (back for one day only cos i need a break!)
If they feel you are selling goods of an unmerchantable quality, you will lose the facilities.
As mentioned before, it may be worth your while creating a safety net by opening another account but don't rely on it because the closure may be like a domino effect, close all accounts in the relationship.
Discuss the matter with your bank and explain that because of the online guarantee offer a 100% full money back ...bla bla bla, you feel they are taking advantage of the situation etc.
This isn't legal advice by the way, just my opinion.