>Adult chargebacks consistently exceed the 1% threshold that triggers Visa and Mastercard monitoring programs, with secondary industry reporting placing the average annual rate in the 3% to 4% range

>How is an adult chargeback ratio calculated?

Divide the number of chargebacks in a month by the total transactions in the same month. The result is the chargeback ratio. Visa and Mastercard both use this formula, with Visa weighting dispute count and dollar volume together under VAMP.

https://sensapay.com/resources/blog/adult-industry-chargebac...

It seems like that sector has 3-4X the disputes and maybe even fraud, independent of your own business practices or success.