Products like electronics, luxury goods, gaming items, and digital downloads have above-average dispute rates that push merchants over Visa/Mastercard thresholds.
Extended shipping times in dropshipping models generate 'item not received' chargebacks even when the merchant is operating legitimately.
Digital product delivery is nearly impossible to dispute under standard chargeback rules, so issuers often side with cardholders reflexively.
Seasonal campaigns and viral products create sudden volume increases that standard processors flag as fraud signals and use to terminate accounts.
| MCC | Description |
|---|---|
| 5999 | Miscellaneous and Specialty Retail Stores |
| 5816 | Digital Goods: Games |
| 5734 | Computer and Computer Software Stores |
| 5065 | Electrical Parts and Equipment |
MCC assignment is at the acquiring bank's discretion. Your BoazPay account manager will confirm your MCC during underwriting.
Typical industry rate: 1.5% – 3.0%
High-risk eCommerce chargebacks are dominated by 'item not received' from dropshipping delays, 'not as described' from unclear product listings, and friendly fraud on digital goods. Fulfillment speed and product description accuracy are the best defenses.
48–72 hours for straightforward high-risk eCommerce. Digital goods sellers and dropshipping businesses without processing history may take 5–7 business days.
2.9% – 4.9% depending on product category, volume, and history. Established businesses with documented processing history qualify for the lower end.
Your custom quote depends on your industry, volume, and history — get a free assessment in 60 seconds.
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