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ozzymandius, thx very much for the reply... ok, we are not concerned about the chargeback ratio issue at all, we have never gone anywhere near a 1% ratio in the last 3 years, our only concern is the threat of content censoring that has been brought up here in the fora lately.
so, the threat of 'blacklisting' is really related to chargeback overage, and not actual content? we are niche-related... nothing illegal, but probably distasteful to those who smack bibles often, that is why we've been looking towards signing up w/ GloBill as a backup just in case. we have been planning to register through ccBill w/ VISA, and fork over the blood-money, as we do not want to lose our rebill's (many others in this same boat i believe)... we could just "Opt-Out" on the whole VISA deal, but theres so much to lose this month if we go that route. so...
...how does this attack plan sound to everybody, please let us know if it is not thought out properly..:
1. Register as merchant (through ccBill) w/ VISA
2. Bend over, eject $750 over the VISA & ccBIll (hope it smells)
3. Sign up w/ GloBill as processor, get everything set up on server (but do not start using immediately, is this part OK? ccBill seemingly would not know that i have set up w/ GloBill at this time)
4. Wait and see what happens w/ ccBill / VISA registration, continue to process through ccBill
Now, two things could happen here, and this is what we are trying to plan contingencies for...
1. Business as usual w/ ccBill, processing continues w/ VISA and all others... GloBill still sits as backup (hidden)
-or-
2. We reap the whirlwind... VISA denies our URL's due to content, ccBill either allows us to continue to process all other transactions aside from VISA, or stops processing for us altogether... regardless at this point, we shed bitter tears for lost rebills, and kick in GloBill within one hour as our primary processor... life goes on.
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does that sound logical to you guys? we have no experience w/ using more than one processor, but in light of recent events we are afraid to take a chance w/ just one... the only thing i can see posing a problem is whether GloBill will allow us to sign up and put them on the backburner like this, do they have minimum weekly/monthly amounts or anything of that sort? please feel free to offer some input about our modus operandi, thx all..
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