I'm interested to know at what point Paypal starts doing this. We have around 100k per month of turnover through them and we don't seem to get any special treat

I'm interested to know at what point Paypal starts doing this. We have around 100k per month of turnover through them and we don't seem to get any special treatment. In fact, they put a 40k fixed reserve on our account and a 10% 90 day rolling reserve as well. This is despite our chargeback rate being low. (The performance benchmark page reports 0.00%) That said, I do concur that Paypal is much better at preventing fraud. We get perhaps 1-2 chargebacks per week on Paypal and more like 10 per week using Stripe. This is also with us fairly aggressively refunding payments that we suspect are fraudulent on Stripe also.