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My question to paycom is what is an acceptable percentage for decline ratios on trial joins as well as rebills?
They will never answer this question because I have posed the question in emails, phone conversations and at shows and I am still waiting.
We alll know it is a numbers game and the company that processes the most with them has, lets say the dial is turned down a bit. They compensate for them by turning the dial up for the companies that don't process quite as much and this keeps the processors merchant account under the 1% threshold
It is the pecking order or the natural progression of shit rolls down hill.
You can ask them 100 times do you have various scrubbing parameters based on the number of joins a company processes. Of course they will look at you like you are some kind of dumb ass and will regurgitate the company SOP answer for that question,
"I have no idea what you are referring to."
What is the solution to the inconsistency?
One, is to obtain your own merchant account.
Two, is to cascade multiple processors and switching prrmary and secondary on a as needed basis.
We are choosing to obtain our own merchant account and make that the primary and whatever gets declined, we will just throw what crumbs are left to the remaining 3rd party processors.
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We are what we repeatedly do.-Aristotle
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