There's one company doing a private deal for a few companies that will virtually eliminate the risk of ratio threshold problems altogether. In other words, even though they can't stop joedikhead from charging back on you, they can help so you don't go over the ratio threshold and get the fines, and possible loss of MA. It beats the h$ll out of plopping over $25k in fines and being blacklisted.
And don't bother to ask me to post details, there's no way I'd put it in a forum. I've used it twice myself in the last few months and saved some $$ and I've hooked up a couple of compadres.
Pop me an icq at 209-555-519 or email me if you want me to point you to the info. It isn't on a website.
