This is helping quite a bit, all things considered. With many other (especially 'traditional') gateways a random increase in chargebacks often leads to just be

This is helping quite a bit, all things considered. With many other (especially 'traditional') gateways a random increase in chargebacks often leads to just being dropped from processing completely, or nearly all of it being held in reserve, sometimes for 90-180 day rolling periods for chargebacks, even more so if it's a high risk small business that may not be able to have the solvency to fund a chargeback spike.