Is my Stripe account becoming risky? 0.97% dispute rate on a small digital business
Hey guys, I’m trying to get a realistic opinion on my Stripe situation because I’ve been stressing about whether my account is considered dangerous or still “normal” for this type of business.
I run a small digital business in the gaming niche with low-ticket subscriptions and digital products. Most payments are only around €10–20. Over the last ~13 months I’ve had around 950 successful payments and processed roughly €14k total.
So far I’ve had 10 disputes total, 5 of those because of Fraud, which puts me at around a 0.97% dispute rate. What makes me unsure is that the disputes were spread out over several months and some also came from repeat customers, who probably forgot their subscription, rather than completely unique people every time (2 disputes from one customer and another 4 from another single customer).
One thing that also worries me is that I get a LOT of failed payments and blocked cards, probably because it's subscription based.
In numbers, around 341 out of 1500 payment attempts failed or were blocked. Does that itself create additional risk for my account, or is Stripe mainly focused on actual disputes and fraud losses?
I know Stripe generally wants businesses below 1% disputes, so being this close to the threshold makes me nervous.
Does this sound like the type of account Stripe would just monitor normally, or does this already look dangerous from a risk perspective? And would you guys already start migrating to a new payment provider at this point?