Epoch's marketing and sales tools have been more aggressive than other IPSP's. But that does not equate to riskier. There is and always has been full disclosure of terms, and, email confirmations of sales with links to Billing Support should someone want to cancel a trial. This works. Any program working with us can tell you.
Further, in cases of cross-sells other than Purchase Plus, the customer must validate the cross sell on an Epoch form by an active submission. Again, full disclosure of terms and email confirmations are included in the entire process.
Epoch has been fully compliant with all card association ratio's while incorporating these upsell tools. With the new ratios, a 60% change from the old ones, some of the features we were able to offer at 2.5% will need to be adjusted to meet the 1%. Since MC ratio's are already 1% and we are compliant, there is no reason to think the same can't happen with Visa. It will. Many prog's are already taking pro-active measures to insure their compliance.
Re-read our post regarding some of the changes we will be making and you will see that some of them don't take effect until July 24th.
