The ccbill scrub

[emmanuelle]

As a paysite owner, I have no issue with ccbill's scrubbing. The scrubbing is for a good reason; to weed out fraud (and therefore chargebacks). Chargebacks really p*** me off. Finally, since it is ccbill's merchant account that I am using, I want them to do everything they need to, to manage their own chargeback average. I don't want them going under because of scamming surfers.

[Sperbonzo]

Originally Posted by emmanuelle

As a paysite owner, I have no issue with ccbill's scrubbing. The scrubbing is for a good reason; to weed out fraud (and therefore chargebacks). Chargebacks really p*** me off. Finally, since it is ccbill's merchant account that I am using, I want them to do everything they need to, to manage their own chargeback average. I don't want them going under because of scamming surfers.

That's pretty much exactly correct. If a merchant is using their own merchant account through a PSP like VXS, then they are free to blow it up with too many chargebacks. If CCBill allows too many chargebacks and the IPSP master merchant account goes down... then EVERYBODY that is using CCBill will go down.

[BlackCrayon]

Originally Posted by emmanuelle

As a paysite owner, I have no issue with ccbill's scrubbing. The scrubbing is for a good reason; to weed out fraud (and therefore chargebacks). Chargebacks really p*** me off. Finally, since it is ccbill's merchant account that I am using, I want them to do everything they need to, to manage their own chargeback average. I don't want them going under because of scamming surfers.

what about those who sign up with perfectly legit cards with perfect credit and still get declinded? for sure its happening as i've tested it myself at a couple places (tho not ccbill).

i think if ccbill really wants people to stop bitching about scrubbing they need to let affiliates see when a card is declinded. someone could think they are getting 10-20 declines a day and blame the scrub but in reality could only be 1-2 and just isn't promoting properly or has poor traffic. personally i find the big sites that use ccbill still convert well.

[koolkat]

Originally Posted by BlackCrayon

i think if ccbill really wants people to stop bitching about scrubbing they need to let affiliates see when a card is declinded. someone could think they are getting 10-20 declines a day and blame the scrub but in reality could only be 1-2 and just isn't promoting properly or has poor traffic. personally i find the big sites that use ccbill still convert well.

Actually, as my primary processor, I do have access to cards which are declined and the reason (typically a very vague reason for something such as Declined by Bank or Transaction Declined). As I said, seeing when they decline, it is kind of frustrating when I see it approved 2 minutes later when the customer re-runs it. I just wonder how many sales I have lost because the customer didn't try to re-run it!

[emmanuelle]

Originally Posted by koolkat

I just wonder how many sales I have lost because the customer didn't try to re-run it!

Are you certain that every bit of info re entered is the same as the first time around? With my merchant account, I often see people succeed the 2nd time around because they have entered a new card number, or formatted their address differently. Apartment addresses seem to be pretty tricky.