Chargeback ratios define liability and exposure under the scheme rules, but acquirers are now driven by fraud counts when deciding which merchants face scrutinity.

Getting approved for a merchant account can be viewed as a major milestone, especially for businesses with complex setups, multi-jurisdictional footprints or high-risk service models.

Managing payments risk today isn’t just about fraud. While fraud and chargebacks remain critical, they are only part of a broader ecosystem of risk controls now under greater scrutiny.

Acquiring isn’t just about approvals. It’s about sustaining them. Many merchants believe their relationship with the acquirer is defined at onboarding.