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The offshore processors like Dutchbill, Globill, Verotal do not do any reporting so if they terminate you for high chargebacks, it would be at the billing-level only. You could then go with another 3rd party processor since you are not yet blacklisted.
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we have no worries regarding chargeback ratio's, ours have never even approached 1% in the past, our concerns lie more w/ all the talk that VISA will be hand-checking sites and disallowing people based on their own moral outlook... it would be nice to have gloBill or another option waiting in the wings if this were to happen in the future, but it remains unclear to us whether being denied due to content by VISA would affect this..