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Lucky it's not worse
Considering it's porn, the ratios aren't too bad. You have to figure customers can be slimy or trying to get the charges off their card before the wife sees them or the boss on the company card.
About 10 years ago i started a job as the bookkeeper of a small carpet cleaning company. The cleaners would write down the credit card number on the invoice, then at days end bring them to the office. Next day I would write up those old manual tickets, they used from the old credit card machines. Several days later the owner would deposit the tickets at his bank.
I was so busy trying to clean up his accounting mess, that it took me a few days to realize he had a 50%+ chargeback ratio on a legit business. Reasons, 1- cleaners wrote down the wrong number, 2- they didn't notice the card was expired, 3- didn't call in to see if the card was still valid, 4- by the time the owner deposited the charge they customer had gone over limit.
Imagine having a store and 50% of your customer's checks bounced.
5% or less in the porn business. That's great. I realize your companies are going to threaten or actually cut you off. But that percentage seems damn great in mainstream sometimes.
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