Chargeback Compliance

Visa: Calculated by all of Agora

At least 100 chargebacks and a chargebacks-to-sales ratio of .9%
Compares prior month’s chargebacks to prior month’s gross sales

MasterCard: Calculated by MID
 
At least 100 chargebacks and a chargebacks-to-sales ratio of 1.5%
Compares current month’s chargebacks to prior month’s gross sales

Amex: Calculated by MID

A chargebacks-to-sales ratio of 1% (no minimum count threshold)
Compares prior month’s net chargebacks to 2 month prior net sales

Discover: Calculated by MID

At least 100 chargebacks and a chargebacks-to-sales ratio of 1%

Compares $25 per chargeback per month on each chargeback in excess of the chargeback ration of 1% of number of chargebacks, over, net transactions during the previous month.