A lot of this also depends on your CC processor and the terms of the transaction.
1) Since most of us operate as online-only businesses with no brick and mortar, there is no physical card transaction, which means we pay both a premium due to the large amounts of online fraud transactions, and also take a hit with disputes because fraud is so prevalent both in online transactions in general, and especially in our industry.
2) If you don't have a great credit rating, and choose a high-risk processor, then you are likely to loose more disputes. They charge more for their services because they are counting on higher amounts of fraud, and likely just write off these cases whenever they can without putting much work into it. Many traditional processors will often take time to really research a case, and go the extra mile for you their customer, even if you do end up loosing the dispute, you will notice the processor did more than just write it off.
