Signals
Healthy processing is more than low fees.
Fees matter, but a payment account can become fragile for reasons that have nothing to do with pricing. Refund patterns, chargeback movement, approval drops, volume changes, and product or website mismatch can all matter.
- Approval rates and meaningful approval changes
- Refund rates and refund timing
- Chargeback indicators and dispute pressure
- Fee movement and statement-level account costs
- Questions a merchant should ask before the next processing change