There is no limit to the payment limit of Stripe accounts. We have actually measured more than 700,000 Hong Kong dollars in a few days, and some customers have reported that the limit is more than 1 million Hong Kong dollars, more than 300,000 euros/US dollars and other currencies (picture omitted) ), this amount is not worth mentioning in the eyes of big sellers. The premise is that the money entered into the account must be compliant and legal. After being accounted for, the goods must be shipped or the corresponding services must be provided according to the customer's purchase.

If the merchant's dispute rate (dispute rate) exceeds or is close to 1, international card issuing banks and acquiring banks will determine whether you are a high-risk (HIGH RISK) merchant based on your dispute rate. This is a common rule for international online credit cards, and STRIPE uses this to evaluate merchants. Many merchants will ask, what will happen if the dispute rate exceeds 1? If it exceeds the limit, there is a chance that your account will be banned and your use will be suspended. In Juheng's statistics, if customers who have no feedback are screened out, the account suspension rate is about 4. However, there is also the possibility of unblocking accounts. We have accumulated various cases to provide to our customers and will not discuss them here.

The valuable discussion at present is to prepare for a rainy day. In order to avoid account suspension, how to standardize operations from the beginning and reduce the dispute rate of STRIPE.

Let's look at this example. The merchant received the original email from STRIPE:

Thanks for sending across the information! Your account has been re-enabled. However, we're reaching out because your Stripe account for XXXX.com is at risk of receiving an elevated level of disputes, given the industry you operate in and the charges that have come in so far. Per industry standards, it is difficult for us to support businesses with disputes rates above 1 (by volume or count) on an ongoing basis. It generally takes about a month after the date of the charge before a customer submits a dispute, and we expect that your dispute rate will likely climb.

Given your elevated dispute risk, we will need to hold 25 of all payments for the next 90 days in reserve. During this time, reserved funds will cover any disputes or refunds on your account. Should dispute rates be at acceptable levels after the 90-day monitoring period, reserved funds will automatically be paid out to your bank account. In the meantime, you can track your overall dispute activity under the Analytics section in your Stripe dashboard. To learn more about dispute prevention and common reasons why cardholders file Disputes, please view our documentation at (...);

? To ensure that your business maintains healthy operations and a low dispute rate, we recommend the following best practices:

? - Set realistic expectations for your customer

s by clearly communicating estimated shipping or digital delivery times prior to accepting their payment information. If delays are to be expected due to high demand, this should be indicated up front or via email immediately after accepting a payment.

? - If selling physical products, refund cardholders who do not wish to wait for items that are expected to be delayed longer than the originally communicated shipping time. The refund should be issued to their original payment method rather than providing store credit.

- Provide shipping tracking numbers or digital delivery receipts as soon as they're made available so cardholders know when they can expect

According to official feedback from STRIPE, the account has been unblocked and the penalty cannot be less.

Since the merchant’s dispute rate is too high, the platform retains the 25% deposit for 90 days and will return it to the merchant after the 90-day monitoring period.

At the same time, STRIPE gave three key points to reduce the dispute rate:

1. After receiving the payment, the merchant should try to inform the customer of the arrival time of the goods, so that the customer has an expectation. If the time is delayed, the customer should be informed promptly via email or other means.

2. The merchant needs to negotiate with the customer to resolve the problem by refund, etc., if the customer is unwilling to wait due to delayed goods. Avoid damage to the store's reputation.

3. After the merchant has shipped the goods, he will provide the order number or delivery photos to the customer as soon as possible, so that the customer can feel at ease.

Doing the above will not only reduce the overall dispute rate, but also serve as strong evidence to win disputes when disputes arise.

Well, just upload it.