I actually found a possible answer to my own question, but it would be awesome that someone would still confirm this. It seems that the acceptable 1,5% Dispute rate that will affect your Paypal Business Account, is actually calculated by your total number of Claims+Chargebacks/total number of sales. The naming just is super confusing, because usually Disputes are the first step that can escalate to Claims when the mutually acceptable solution is not found, and Chargebacks are when the customer reverses the payment directly from their bank. From Paypal: "Dispute Rate (%) is your Claims(!) to Sales Ratio For The Past 3 Months." "What is the Dispute Fee? PayPal will charge a Dispute Fee to sellers for facilitating the online dispute resolution process for transactions that are processed either through a buyer’s PayPal account or through a PayPal guest checkout. How is the Dispute Fee applied? The Dispute Fee applies when the buyer pursues a claim directly with PayPal, a chargeback with their card issuer or a reversal with their bank. The Dispute Fee will be charged at either the Standard Dispute Fee rate or the High Volume Dispute Fee rate. The Dispute Fee will be charged in the currency you selected for the original transaction listing. If the transaction was in a currency not listed in the Dispute Fee table then the fee charged will be in your primary holding currency. The Dispute Fee will be deducted from your PayPal account after the claim is decided. How is the Dispute Fee determined? The Dispute Fee amount will be determined when the dispute case is created. The fee is based on the ratio of the total transaction amount of your claims compared to the total amount of your sales for the previous three calendar months. Your total claims include all claims filed directly with and escalated to PayPal, except claims for Unauthorized Transactions; and all chargebacks from the buyer’s card issuer or reversals from the buyer’s bank. What are the different Dispute Fee tiers? If your disputes ratio is 1.5% or more and you had more than 100 sales transactions in the previous three full calendar months, you will be charged the High Volume Dispute Fee for each dispute. Otherwise, you will be charged the Standard Dispute Fee for each dispute." This would perfectly explain why my "dispute" percentage is still zero, because I have never gotten any claims or chargebacks. But still, it would be awesome if someone with knowledge would confirm this.
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