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As far as I know, Visa has fragmented there entire system with the banks under them, they do not work together or streamline info between every processor and every bank. you pay 3 x $750 cause there 3 seperate setups, I'd say you can do 1% under each and be just fine. And if you do more than that processors will still probably allow you to keep processing upto 1.5 - 2.0 % assuming a huge number of there rebilling and good quality signups wipe there ratio down so they can afford to do that.
I remember a friend of mine used to have 4% CB with Ibill and they didn't care, when it hit 6% thats when they asked to try to lower it.
Run a good clean business model and you'll be fine, I don't see this effecting chargeback ratio's in a big way.
Driven
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