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SIC CASH will be making changes. What exactly they are, I am still working on. I will spend the weekend evaluating spreadsheets, running #'s, etc.
BTW, SIC CASH chargebacks are well within Visa limits. I believe that we could keep our model 97% how it is, and stay below 1%. But I also understand and respect the changes Epoch is making, and we will support them.
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