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Originally Posted by SwirlsGirl "This is interesting on a lot of levels" well answer the question then

I am supposed to be impressed by a youtube video?

We do a very large volume of transactions (thousands of transactions a day) and loss control is a big issue ... I would wait to "declare victory" for 6 months or so of processing experience.

There is always some blowback in any new process to be mitigated. You still have the chargeback ratios to stay under. If you are excepting/approving more sales, that in itself is good, but your exposure to chargebacks increases -- hopefully not in proportion or in excessive proportion to your accepted transaction ratio increase. That is the "tough row to hoe" in credit card processing.