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research the reason that you are getting them; are they from affiliate sales, does the customer info looks like it makes sense, is it all from one region or for one price point such as the first rebill of a free trial, or the highest price that you offer, was the same bin was used, etc...
try to find out why you are getting them, there is a reason behind every chargeback
also, do not forget that the 100 chargeback floor is for Visa chargebacks, so out of your approx. 15 chargebacks a month, maybe around 8-9 are Visa
if you would like any suggestions on how to improve your cb rate, feel free to get hold of me
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