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Poppy and NetRodent...
All the processors have their own way of scrubbing credit cards, and they also have their own "buildt up" negative datebase. This varies a bit, hence the difference in performance from processor to processor, but overall they make sure that they are below the CB ratio set by VISA and MC. Obviously.
The important thing though is that when one card can be in one processors negative database due to a certain circumstance, it does not necessary mean that the card is not good.
This is the reason why cascading makes sense, and as NetRodent said, if you make sure that you are not pushing the limit in the way you present the sale to one processor, the secondary and the third will work just fine due to the fact that they do have different ways to validate if a card is good or bad.
And trust me, the last thing a processor want is a chargeback extra...
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