Opinions regarding CCBILL and the so called "Heavy Scrubbing"

[Greenguy]

ardentgent - "scrubbing" (from http://www.webmastervault.com/tip-creditcard.shtml )

Fraud prevention is one of the more costly and intensive services that the bank or third party processor always provides. The term "scrubbing" is used to describe the method the processor uses to determine whether or not the person attempting to make the transaction is the actual cardholder. Some processors have their own scrubbing systems, while others rely on external databases. Scrubbing is absolutely vital to the credit card approval process in order to keep charge-backs and fraud to a minimum.

Cleo - I'd bet that sites with higher chargeback rates would be looked at a little differently - new sites as well.