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It depends. Its not always just about the ratio of chargebacks but also volume.

So you might trigger some flags with the card associations if you say have the following

1) 1% chargeback ratio 2) 1% of revenue result in chargeback 3) Have like 50-100 (forget exact number) of chargebacks a month for like x consecutive months.

If you don't fix the problem, then bad things happen like additional fines....etc.

So for merchants with very low volume, a higher chargeback rate is sometimes permissible. Acquiring banks have their own risk assessment so they may allow it or may not.