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Originally Posted by NetBilling
Brad,
Actually, there are more and more "large programs" using their own merchant accounts more now, than in the past several years. We are here to help them manage them successfully. And once you finally do, you will see the difference too. I'm not knocking 3rd party at all but their comes a time where many business owners want to "take control" of their money. With the tools and services that we offer, you can easily achieve that control and increase your bottom line. Merchants are smart enough these days to be responsible with their merchant accounts, keep the scrub levels where they should be and provide quality content, while providing good customer service or having us (or another gateway/call center) do it for them.
Mitch
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This isn't rocket science, and Mitch is quite right. It's up to the merchant account holder to manage their own scrub, at least to a degree. With the new Mastercard agreement that we use, the bank and the gateway is on the hook just like the merchant (to a degree) so it's in everyone's best interests to manage the throughput wisely.
Banks aren't stupid these days either, there are reasons they want to see what kind of risk a merchant might become.