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You guys are certainly correct in your description of the differences between shaving and scrubbing. One point of clarification that I'd like to make is a misconception of how the scrubbing works and whether it's ever turned "up" or "down". There is a profile that all ccbill clients are on that we call our scrub system. This has been tweaked over time in order to make it more efficient and effective. We last moved everyone to the newest scrub profile less than a year ago. This latest profile has allowed the highest percentage of acceptance while still maintaining very low chargebacks.
We do not turn it UP or DOWN at all - it's not even possible to do that. Just to migrate our client database to a new scrub profile takes months. It's not a "lets turn it way up today to keep our chargebacks low" kind of thing. Believe me when I say we want to allow as many transactions through as we can, but doing so by mitigating risk and avoiding transactions with a high probability of chargeback or fraud.
The shaving issue - I don't feel like I really need to comment on that. But suffice it to say that just about everyone has more to lose than to gain by doing that. I would find it hard to believe that there are really many programs that even attempt to do that anymore, although that may be naive.
Andy
CCBill Sales
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