This rule monitors merchant chargeback patterns to identify businesses with elevated fraud levels or poor business practices.

System flags when:
1. A single merchant receives 2 or more chargebacks within a 30-day period
2. This threshold indicates above-normal dispute frequency

Merchants with high chargeback rates pose multiple risks:
- May be experiencing breach or fraud attack
- Could be engaging in questionable business practices (delivery failures, unauthorized charges)
- Represent financial risk to the acquiring bank (chargeback fees and liability)
- May indicate friendly fraud environment (customers disputing legitimate charges)

New transactions from flagged merchants are placed on HOLD to enable enhanced monitoring and fraud screening before processing.