Well U must be going through sixth or seventh tier processor. Even with seventh tier I betya bottom dollars that it will still not any close to our projected percentile.
As far as charge back or dispute is concerns, 98.7% are gets approved in merchant favors. On the flip side, time is to the essence, dispute process could take up to six month. Is it worth it? Long term, most definitely yes, statically 99.999% Chicago taxi cab industries does. As far as Drivers, I’m not quite sure on that if your Affiliation ever makes any effort to deliver recovered funds due to you. Not sure on all get written off as administrative or perhaps inquisition or logistics assessment recovery fees.
As long as you the Merchant agent (that would be driver) can prove that you validated w/ gov issue picture & signature ID such as State DL/ID. Simply documenting least DL/ID # you can rectify suspended charge in less then three to twenty four hours.
That is one of many reasons affiliation pushed for GPS in all taxi cabs. So when disputes arise quick keystrokes will in fact proved Spartan defense by simply hinting undistributed dated & timed stamped GPS video logged of pickup, en route, and most impeccable defense, drop-off footage while authorizing the charge.
Folks this create irrefutable defense.

5% of credit card receipts is not right. One lawyer, Clayton Voegtle in Libertyville is fighting to get refunds. He wants to help drivers get that 5% back and he does not charge the driver directly he only gets paid if he gets a recovery. Call him if you want to protest the companies taking 5%.