Well, if you did take it seriously then you would have reacted well before Stripe paused your account. I've had a business relationship like yours with another PSP (like Stripe) for many years and I was watching the CB rate like a hawk to make sure we never even got close to being labeled 'high risk'. This can be very hard, especially when customers engage in soft fraud, where all of the burden is placed on the merchant. There are a ton of things you can do to ensure that your rates are as low as they can be but even then it might simply not be enough. In your case I hope that you will be able to push things down to the point where you can continue your business and I also hope that Stripe will be able to work with you to determine if and if so under what conditions you will be able to work with them. But if Stripe can't then you have a much larger problem because every other PSP will have the same basic criteria and you'll end up with really low repute PSPs if you can't satisfy those. Typically those are the property of other parties that are unable to get normal processing in line so they make their own throwaway PSPs that get blown up in due course.