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Originally Posted by Matt_WC
Dunno if anyone else notices this, but the first 20-25 days of the month are usually really good, then the last 5-10 days of the month the scrubbing goes UP! I guess thats to make sure the IPSP doesn't go over 1% overall or something. Seems to reset at the start of the month. Also if you go over 0.6% chargeback ratio's your individual scrubbing on your account goes up and you lose another 20% worth of sales. OUCH!
Scrubbing sucks but its nessesary with the rules we all have to deal with now days I guess.
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Well, not really. Keep in mind that chargebacks aren't coming in realtime, they're delayed in days and sometimes months. Imagine if you're billing processor and you noticed that your overall c/b ratio raised too high this month. What would you do? If you will try to scrub harder, then you will get less transactions at the same month, i.e. your c/b ratio will be higher. Also, you can't predict how many c/b you will get from the bank by the end of month, well unless you're professional weather forecaster
As for the sales - we can see the stable tendency of weekly changes (depending day of the week), holidays, but not monthly changes. If customers spend less by the end of month it's not about scrubbing, I believe.