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escortbiz pls keep us posted at 30 days to see how well your system works.
i like your style.
personally i've got my check fraud way down by taking off ccbill and ibill checking and using netbilling checking.
problem is, netbilling is approx 60% declines (maybe the declines are mostly fraud attempts, don't know)
we all need a VIABLE long-term substitution for credit cards, and recurring checking is a good model if the fraud issues can be addressed.
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