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Originally Posted by TheDoc
The credit card companies scrubbing is only part of it, a small part. Scrubbing happens offline too. While one of the two major processors does have double the declines, the amount or adjustments they make to the scrub is BS. No statistical trend has ever proven this and people have been using the same companies for years.
Yes, its true both may scrub more now, but it?s because the ban / decline lists are large and getting larger. Every refund, chargebacks, complaint, problem, even when a member right, the site did suck, he couldn?t get in.. its still a blocked account that never gets purged.
That?s scrubbing.
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Doc...so your saying processors do NOT adjust the rate at which they decline auth's?
So that means when i try to do a test sale on the 15th...with the wrong name and the right CC info...and it processes...then on the 31st i cannot even get a legit one through...you actually believe they do not try to meet quotas?
I have been doing this for 10+years...(i know you know your stuff also) but they DEFINITELY have a sliding scale....
There are definitely times when the processing is more "lenient" than other times...THATS scrubbing(albeit slightly different than yours...which is also scrubbing)