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Dave,
You know the score.... Look at the court battle Amex had with visa and visa issuing banks. Finally banks can enter an agreement with Amex, issue consumer credit cards from those banks / process through the amex network and not worry about visa pulling the cord on there visa issued cards.
While I have always thought that products / tangebile items are less risky fraud and chargeback wise - I do belive non tangebiles should be just as cheap processing % wise.
When verified by visa and mastercard secure code finally is mandatory or something mabey less fraud will = less risk = less fees.
On all our product orders we use avs, but that's just the start - our internal fraud screening is what really matters and we don't get many cb's at all. Wasn't like that years ago but it's better now.
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