Originally Posted by Varius

In the current state of processing, would you rather they scrubbed less, but then get their accounts shut down and go out of business (like *cough* numerous companies I know of) ??

Few facts for you, as I have worked with tons of processors both 3rd party and gateways artound the world:

1 - If your sponsor has a proven track record of low chargebacks, you might notice lighter scrubbing.

2 - With increasing rates of gateways, having your own merchant account loses one of its main advantages. I can tell you for fact that our CCBill discount rate is less than some new merchant accounts.

3 - Banks are only going to get tighter on creditcards. Wouldn't you prefer to have no problems, than suddenly start looking for a new processor OR see your sales start taking a HUGE dive as your processor concedes and tightens their scrubbing ?