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Originally Posted by BlingDaddy
What I'd like is for someone to explain the technicality of how CC Bill would be scrubbing.  |
not a technical explanation, but a guess.
i suspect a big processor like ccbill has composite "threshholds". think of an electrical rheostat as an analogy.
during any given month due to a variety of circumstances the processor needs to tweak it's composite chargeback threshhold to stay within merchant account guidelines.
so almost daily someone is turning up and down the "scrub-a-matic" rheostat to keep this threshhold just under the allowable limit.
to me this is the only reasonable explanation for the WIDE variability of conversion ratios from day to day.
as an example from 1998-2003 ccbill was VERY stable---but since visa started getting tougher, conversion ratios are all over the place.