What is the main concern of a High-Risk chargeback monitoring program?

The primary concern of a High-Risk chargeback monitoring program is to effectively manage the high chargeback rates linked with particular merchants. This type of program is designed to closely monitor transactions and chargeback activity to ensure that merchants do not exceed acceptable thresholds for chargebacks, which can lead to financial losses for payment processors and the broader payment ecosystem.

High chargeback rates can signify underlying issues, such as fraud or customer dissatisfaction, which must be addressed promptly to protect the integrity of the payment process. The program typically includes analyzing transaction patterns, providing insights to merchants about their chargeback causes, and implementing strategies to reduce chargebacks. By doing so, it helps maintain merchant accounts and ensures compliance with payment network rules, thereby reducing the risk of penalties and ensuring the stability of the merchant's business.

The other options, while potentially relevant to different aspects of the payment process, do not specifically address the issue of high chargeback rates that is central to the goals of a High-Risk chargeback monitoring program.