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on a related side note, does anyone think that perhaps the multitude of denials many of us wake up to every morning these days are not the result of traditional scrubbing, but more from the backend acquiring banks themselves denying many transactions right off the bat, based on a transparent set of variables we know nothing about?
my biggest gripe lately, is why so many of my *rebills* are declined in recent weeks, many of them long-time customers w/ a history of rebills behind them. i've had customers email me clueless as to why their password pair has stopped working, becuase they assume they've been rebilled and should have access. those are good transactions getting shitcanned, so thats definitely not helping any chargeback ratio's..
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