This rule monitors merchant chargeback rates as a key fraud and business quality indicator, flagging when dispute levels exceed acceptable thresholds.

System alerts when:
1. Merchant chargeback rate exceeds 1% of total transactions
2. Calculated over rolling measurement period
3. Exceeds card network acceptable thresholds

>1% chargeback rate indicates serious issues:
- Card network violation threshold (many networks set 1% limit)
- May trigger merchant penalties or account termination
- Indicates fraud attacks, poor business practices, or both
- Represents significant financial risk to acquiring bank
- Customer satisfaction and product/service quality concerns

High chargeback causes include:
- Merchant experiencing fraud attack (unauthorized transactions)
- Delivery failures or product quality issues
- Unclear billing descriptors (customers don't recognize charges)
- Merchant fraud (unauthorized charges, subscription abuse)
- Friendly fraud (customer dispute legitimate charges)

Alert enables risk management to:
- Merchant consultation on chargeback reduction strategies
- Fraud prevention tool implementation
- Business practice review and improvement
- Account monitoring for potential termination
- Card network reporting compliance
- Enhanced transaction screening for affected merchant

Maintained <1% chargeback rate is critical for merchant account health and payment processor relationships.