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Characteristics of Low-Risk Merchant Accounts Average ticket sales below $50 Chargeback ratio is low Monthly processing volume is under $20,000 Primarily card-present transactions Operate in low-risk industries Good personal and business credit Low fraud incidence Business operates in low-risk countries (e.g., U.S., Australia, Europe, Japan) While low-risk merchants benefit from lower fees, sudden spikes in sales or unreported changes can lead to account freezes

A severe and puzzling lung disease linked to electronic cigarettes and other vaping devices has doctors across the country scrambling to diagnose and care for patients struggling to breathe

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