Quote:
Originally posted by gothweb
I am against using multiple processors. I know it will push the bottom line some, but I think it is bad news for a few reasons.
The first is Affiliates. If I use a cascading system, then either some of the signups don't go to the affiliates, or I have to track it myself and let people wonder if I shave.
The second is that I don't think it makes sense to work around scrubbing. Scrubbing is good for me. Sure, signups go down a tiny bit, but I don't have to worry about chargebacks. Also, if we, as an industry, push that line, then Visa will just crack down on us even harder.
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gothweb - Regarding the tracking and your affiliates: It will always be important that your affiliates trust you and your program. And by showing them a better signup ratio, you basically show them that you are to be trusted all the way. That is the most important thing.
As for chargebacks; The processors are doing their scrubbing according to how they feel they can protect their merchant accounts with VISA and MC the best way, and for them to get any higher chargeback ratio due to a cascading of processors would be fatal to the industry. No doubt about that. However, this is not the case. All the processors that we work with believe that the cascading we do makes all the sense in the world and therefore they back us up. The MPA2 for instance has been used by our clients for about a year now and we have received no indication that the processors are getting any higher chargeback ratios because of it. Actually they are more and more eager to be IN the MPA2 because it brings in more business. Good business.
I know that this can be a little hard to see in the overall picture, but rest assured that this is something we work very close with the processors on and it is working to both the webmasters owning such a program as well as for the affiliates sending traffic through it.
So to capture it all into one senctences; Cascading makes everyone more money, period.
