Originally Posted by corvette

let me also take a moment to mention that, as far as ccbill goes, we have made upgrades/tweaks/improvements in our scrubbing system in such a way that our declines (not those by the bank) had decreased by 2/3 over the past 2 years, with no increase in cb/ref.

so another scenerio is that the primary is just not rejecting a whole lot of transactions that the secondary is accepting