Was out of town for the weekend, sorry metaform about the delay --
Checks arent 90% fraud, but they are higher fraud than credit cards because there simply aren't as many ways to verify that it's the real person, account, etc.
The other thing with checks is that someone can have money today, but not in 5 days when the check settles -- the banks don't put a hold on the money if you ask them if it's there, they simply say it's there.
Overall checks can increase your net by 10% minimum I'd say. If you are running a reseller program, I'd suggest holding check joins out for 7 days to make sure the checks clear, since webmasters seem to be the best at using checks for fraudulent joins.
As for the rest of my numbers Big E, looking at things from a processing standpoint gives me the ability to isolate different types of sites -- i.e. single girl amateur from the big megasites, and I can not only look at the overall picture but at the subsets that make up the numbers as well.
A good processor should be able to evaluate overall numbers, as well as groups of numbers, such as fetish, gay, etc, and come up with suggestions to make their clients as much money as they can, imo. I also evaluate numbers for people that don't necessarily do business with CCBill, and I used to work for one of the larger programs before I came to CCBill, so I have that experience as well to draw from, stup... err, silly. ;)
ET -- if I could figure out exactly why the numbers are the way they are, I'd probably be the most in demand person on the net ;) -- I'm not sure the reasons that it works out the way it does, but I've looked at enough numbers to know that in the majority of cases it does come out that way
