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Originally Posted by WarChild
If you scrub harder, you get less fradulent transactions overall. |
You're missing a key factor. Chargebacks take months to come in, when you recieve a chargeback its for a transaction processed 3 months ago, not today. However the ratios are calculated off the current transactions. So you may have 10 chargebacks for transactions three months ago but the ratio is created off of your volume today. So scrubbing harder now will only hurt your ratio as the fraudlent transactions have already taken place. Scrubbing harder today may make your ratio better in future months but it will make this months ratio worse. You following me?