> ## Documentation Index
> Fetch the complete documentation index at: https://docs.suby.fi/llms.txt
> Use this file to discover all available pages before exploring further.

# Suby's Dispute Thresholds

> Suby's alert, reserve, and termination thresholds, and the per-case dispute fee: the numbers that actually govern your account.

<Note>
  This page describes **Suby's own thresholds**: the numbers that actually govern your account. For how these compare to Visa's and Mastercard's own monitoring programs, see [Visa & Mastercard Dispute Programs](/education/network-dispute-programs).
</Note>

## Your dispute rate

Your dispute rate is your monthly disputes divided by your monthly transactions. Suby tracks it continuously and acts in three stages, well before Visa or Mastercard would ever step in themselves.

<Steps>
  <Step title="Alert at 0.7%">
    You're flagged internally and notified: dashboard warning plus email. Nothing is held yet; this is your signal to act before it compounds.
  </Step>

  <Step title="Reserve at 0.9%">
    Suby starts holding back a reserve on your payouts to cover expected dispute losses while you bring the rate back down.
  </Step>

  <Step title="Termination at 1.0%">
    Processing is suspended. At 1.0% you're still well under Visa's and Mastercard's own "excessive" lines. Suby stops early on purpose. See [Visa & Mastercard Dispute Programs](/education/network-dispute-programs) for why.
  </Step>
</Steps>

| Range       | Status       |
| ----------- | ------------ |
| 0% – 0.7%   | Healthy      |
| 0.7% – 0.9% | Alert        |
| 0.9% – 1.0% | Reserve held |
| 1.0%+       | Suspended    |

<Tip>
  Visa and Mastercard don't consider a merchant "excessive" until 1.5%. Suby's termination line sits a third below that, at 1.0%, by design, so you have room to fix a problem before it ever puts your Suby account at network-level risk.
</Tip>

## What a dispute costs you

Every dispute opened against one of your payments carries a flat Suby fee, on top of whatever happens to the disputed amount itself. The fee is charged when the case is opened. It doesn't matter whether you go on to win or lose it, and it's **identical whether you're on Merchant of Record or PayFac**.

<CardGroup cols={2}>
  <Card title="Visa dispute" icon="credit-card">
    **\$25** per case opened
  </Card>

  <Card title="Mastercard dispute" icon="credit-card">
    **\$50** per case opened
  </Card>
</CardGroup>

<Note>
  **Same in MoR and PayFac.** This fee schedule and these thresholds don't change based on your settlement mode. What changes between the two modes is who controls the response and where the compliance risk sits. See [Merchant of Record vs PayFac](/education/mor-vs-payfac-disputes).
</Note>