Home/Merchant acquiring/Chargebacks, reserves, and reviews after the MID is open
Merchant acquiring
Chargebacks, reserves, and reviews after the MID is open
Last updated October 11, 2026
Chargeback management is the work after the MID is open: dispute responses, the ratios Visa VAMP and Mastercard ECM watch, and the reserve the acquiring bank holds. We track those figures and talk to the bank before a review becomes a closure. We do not promise a ratio. Approval is never guaranteed.
We place payment processing, business banking and crypto rails for high-growth, complex businesses with institutions that take the industry, then watch the chargeback ratios, reserves and reviews that get accounts closed, with more than one rail so one bank's no doesn't stop the business. Approval is never guaranteed.
Who it's for
- Merchants whose processor warned them about disputes
- Subscription and trial businesses
- Anyone who just learned a network ratio the hard way
What the bank needs
- Recent dispute reports by network
- Refund policy and how fast you honor it
- Descriptors customers actually recognize
- The bank's own threshold, which may be tighter than the network's
Refunding a sale before the chargeback lands keeps it off your ratio, and an FTC order treats that as evasion when the cause of the disputes isn't fixed. Alerts are fine; hiding the cause isn't. We work on why disputes happen, and the published thresholds are in the chargeback-ratio guide.