Originally Posted by Kimmykim

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.