Questions about a merchant account.

Hello everybody!
I am new to the Ecommerce industry and have a few questions about it.
1. Who among the Merchant Account Providers or Agents ISOs is lenient and tolerant towards the chargebacks (~10%).
2. Websites selling which types of products statistically are having the most and the least of the chargebacks? I'm not talking about high-risk products, of course, so no gambling, adult, supplements, payday loans etc. No, just regular type of products: books, home tools, sports equipment etc.
3. In terms of amount of chargebacks what is better to sell- services (like software development services, for example) or physical goods?

Thank you so much for your future replies!

Physical goods tend to have less charge backs than digital goods.