Risk Overview

Chargeback Rate

1.71%

↑ 0.33% from January

Total Volume

$284,520

Last 90 days

Active Disputes

12 unresolved

MID Health

34/100

Critical — act now

Avg Ticket

$268

Success Rate

94.2%

High Risk Txns

Monthly Volume

$94,840

Chargeback Rate — 12 Month Trend

Jan 2025 – Feb 2026

Above threshold

Monthly Volume

Last 6 months

HRI Analyst

● Online

PureForm's CB rate is 1.71% — at current trajectory you hit Visa's 1.8% termination threshold in ~7 days. 6 active disputes total $3,325, 5 from NG/RU/UA.

Which ones should I refund right now?

Refund ch_3BmZ9UeNp1wX ($865 NG) and ch_0Eo6MdWzE7tU ($930 NG) today — both are mailinator/yopmail addresses, 2 AM orders. That alone drops your projected rate to 1.08% and buys 3+ weeks.

Risk Factor Breakdown

High-risk country orders (NG, RU, UA)41%

Disposable / throwaway email addresses24%

High-value single orders (>$500)18%

Off-hours transactions (1–5 AM)11%

Repeat dispute customers6%

AI Recommended Actions

Urgent

Refund ch_3BmZ9UeNp1wX ($865 NG) and ch_0Eo6MdWzE7tU ($930 NG) before disputes escalate

Urgent

Refund ch_9Rj7PhHcH8wX ($780 UA) — throwaway email, bulk order, 4 AM pattern

High

Block card-not-present from NG, RU, UA for 30 days minimum

High

Require email verification for all orders over $400

Medium

Enable 3DS2 on all international card-not-present transactions

Medium

Set velocity rule: max 2 orders per email per 48 hours

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