While right now it is only on purchases over $3000 USD and on refunds above $1000 USD. They could very well change it to $1000+ purchases and $300+ refunds next year.
So, Let this be another reminder on why you need to avoid using bitpay wallets and services. And If you can't avoid the payment processing service. Use debitpay to get actual bitcoin addresses you can use with your non-bitpay wallet when using their service.
Finally, two years in and Bitpay has yet to add segwit support to their wallets. Meaning you will pay 3x more in network fees apart of they being also known to adding hidden fees if possible in some cases. And that also means they cannot support LN based apps.
At this point it is safe to say Bitpay is not adding segwit until they feel forced to do so, which will not happen until well after the next big update to the network.
TL;DR: Stop using Bitpay. It has sucked for over 2 years now.