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Different regions have different allowable limits and penalties for exceeding those limits. In the US, the rule is 1% CDC with a minimum of 100 chargebacks per month for Visa to pay much attention to you. This applies whether you have your own merchant account or are a sponsored merchant with a legitimate IPSP.
In other regions, Asia for instance, the allowables are double that -- 2% and 200 chargebacks to qualify.
EU is currently 2% I believer, but there is a rumor that is going to be reduced by quite a bit in the coming months.
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