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Originally Posted by chadglni
Hmmm, ok. I don't have a ton of experience with 3rd party billers but my ratios were always much worse. I always heard it was "scrub". :/
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I realize everyone always wants to blame it on the scrub, but that doesn't really make sense if you look at it.
When does a processor (be it third party or gateway) make money? On the % they take when you process a transaction. If you aren't processing transactions, then they aren't making money on you.
NO processor that I know of (and I do know the IPSPs rather well) wants to turn down good transactions. They don't profit from that at all.
What they do want, which isn't rocket science, is the largest number of transactions that fall into certain risk parameters that they can get their hands on in a given time period.
There's also a reason that certain countries are banned from certain processors. It's called risk management. If you have a history of certain countries or BINs being nothing but trouble, why on earth would you risk those countries -- which make such a minor portion of the sales, causing you to incur fines of $50 to $100 PER CHARGEBACK on ALL chargebacks?
You don't let a few bad apples spoil the lot, you cull them out and make a pie from the good apples.