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Originally Posted by khs
what about the scrub?
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That's not shaving and is not controlled by the pay sites. Scrubbing is done by the credit card processors.
Every CC transaction comes with some risk because after approval the card owner can deny the charge (sometimes for valid reasons sometimes not). Each week, month, quarter, etc. the processor can only take on so much risk for rejected transactions. If during one of those periods they have a high number of bad transactions they have to be more careful and start scrutinizing each transaction a bit more. When this happens they start denying a higher percentage of perfectly good transactions.
This process is known as scrubbing and it is controlled only by the the processing companies and the credit card companies.
Program owners have no control or even influence over scrubbing.