Originally Posted by aico

This is what I never understood. Why do you need both? Makes no sense to me. I am pretty sure (although I could be wrong), that since both Paycom and CCBill are reputable and good companies, and neither would want to lose their Visa processing that they both scrub transactions with the same or close to the same standards. So if one card doesn't get approved with Paycom, I would assume there is probably a 90 - 95% chance it won't get approved with CCBill either, and vice versa. Doesn't make sense to me why you would need or want both.

I personally think that Cascading is just something everyone "thinks" they need because someone told them they did. "Because they told me I needed it" seems to run rampant in this biz (ie. "Blogs").