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Hey, even I, working for a cc processor, has been telling people for months to start putting their eggs in different baskets.
If you have one cc processor, make sure you have a backup. If you don't take checks, now's the time to start. If you aren't using dialers or web900 or Paypal, then maybe it wouldn't hurt to look into getting setup. Sort your traffic out based on the best way for them to pay you and it stick, and go that route.
We're going to start accepting both a Euro and an Asian debit/charge payment very shortly. We're also going to have to change the way we scrub Mastercard -- eliminate more countries-- as well, since MC is putting the smackdown on cb's...
It's not just the processors who should be looking for ways to spread the payments in, it's everyone who owns a web site if you ask me.
I don't particularly see that its beastie or the word lolita that set Visa off -- my guess is someone there got a case of the Amex -- not enough money for the chargebacks for those sites. Visa's been making third party report chargebacks *by url* for a few months now, they can take a close look at what's good and what's not.
I'd expect that celebs, certain fetishes, and certain companies will be the next ones on the hit list.
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