Paycom Scrub

[Sylver7]

Last month was pretty bad but this month is comically pathetic with paycom sponsors. Anyone else having the same problem with programs use paycom as primary billing?

[xenigo]

Yeah I had a really bad couple weeks too, like ZERO signups for about a week. I lowered my prices yesterday and got a signup this morning.

No idea if it's related to scrub issues, but it was freaking me out cause I've been doing a ton of gallery submissions. My traffic is rocking.

[WarChild]

About average on my paycom sponsors combined. A little bit higher than average on Nasty Dollars is picking it up a bit.

[Bomber8888]

Noticed a hard scrub today and yesterday...

Jason

[Snake Doctor]

I wonder about the people who complain about scrubbing......when you guys are having a really good day do you complain that paycom isn't scrubbing hard enough?

Ratios go up and down for no reason whatsoever, why does everyone always blame the billing company? They don't make money unless you get sales so it's in their best interest to process as many transactions as possible.

[WarChild]

Originally Posted by Lenny2

I wonder about the people who complain about scrubbing......when you guys are having a really good day do you complain that paycom isn't scrubbing hard enough?

Ratios go up and down for no reason whatsoever, why does everyone always blame the billing company? They don't make money unless you get sales so it's in their best interest to process as many transactions as possible.

Try to think a little deeper than that.

For one thing, ratios tend to change a lot at the begining or end of a period. If you think scrubbing doesn't go up and down, you're crazy. If charge backs get too high for a particular client, or overall, you don't think they scrub a lot harder to bring that down?

[Snake Doctor]

Originally Posted by WarChild

Try to think a little deeper than that.

For one thing, ratios tend to change a lot at the begining or end of a period. If you think scrubbing doesn't go up and down, you're crazy. If charge backs get too high for a particular client, or overall, you don't think they scrub a lot harder to bring that down?

Well there's more than one way to look at that.
If they scrub REALLY hard and transactions go WAY down, then that hurts their chargeback ratios also....because the ratio is calculated based on total transactions.
So if you had 2 chargebacks and 250 sales, you would be below 1% and be ok. Now say you have 3 chargebacks so you turn up the scrub so you can do LESS sales.....you just made your chargeback ratio worse.

I'm sure they adjust their fraud screening parameters on a periodic basis...but this probably affects sales overall in the 5-10% range....not the drastic numbers that people talk about on here all the time.

[power182]

Originally Posted by WarChild

Try to think a little deeper than that.

For one thing, ratios tend to change a lot at the begining or end of a period. If you think scrubbing doesn't go up and down, you're crazy. If charge backs get too high for a particular client, or overall, you don't think they scrub a lot harder to bring that down?

Think about what you just said; if they scrub harder there will be fewer transactions making the ratio worse....... core dump.

[aico]

My girlfriend and I, both use Paycom, were just talking about how sign-ups (for two completely different sites) have been screwy lately. Not sure what's up. Had a great day Yesterday, Day before was complete crap, and today is virutally non-existent.

[WarChild]

Originally Posted by power182

Think about what you just said; if they scrub harder there will be fewer transactions making the ratio worse....... core dump.

If you scrub harder, you get less fradulent transactions overall.

[power182]

Originally Posted by WarChild

If you scrub harder, you get less fradulent transactions overall.

You're missing a key factor. Chargebacks take months to come in, when you recieve a chargeback its for a transaction processed 3 months ago, not today. However the ratios are calculated off the current transactions. So you may have 10 chargebacks for transactions three months ago but the ratio is created off of your volume today. So scrubbing harder now will only hurt your ratio as the fraudlent transactions have already taken place. Scrubbing harder today may make your ratio better in future months but it will make this months ratio worse. You following me?

[seven]

Originally Posted by Lenny2

Well there's more than one way to look at that.
If they scrub REALLY hard and transactions go WAY down, then that hurts their chargeback ratios also....because the ratio is calculated based on total transactions.
So if you had 2 chargebacks and 250 sales, you would be below 1% and be ok. Now say you have 3 chargebacks so you turn up the scrub so you can do LESS sales.....you just made your chargeback ratio worse.

I'm sure they adjust their fraud screening parameters on a periodic basis...but this probably affects sales overall in the 5-10% range....not the drastic numbers that people talk about on here all the time.

what he said. also unless you are doing few hundred signups per day don't think you are in a good position to be able to tell how hard they are scrubbing

[Jayde]

Did you guys think that sales are just down because people are watching their money in these uncertain times? And porn is just a frivolous cost that they can do without for right now? Maybe a lot of people are on vacation before schools start up or they suddenly have college tuitions, school clothes to buy, school supplies etc, after all schools are starting again in the US in a few weeks.
Maybe here is another thought on why the sales maybe down: skyhigh gas prices that bite the budget and people losing jobs(yes that is still happening).
Since no one has thrown these points out there I thought I would and maybe these things would dampen sales too.

[Snake Doctor]

Originally Posted by hib96

Did you guys think that sales are just down because people are watching their money in these uncertain times?

No that isn't relevant.
The discussion here is about how sales can be great for 4 days......then shitty for the next 3 days....and then back to normal again after that.

If the factors you're talking about were in play then sales would have been steadily declining and not going back up at all.

[WarChild]

Originally Posted by power182

You're missing a key factor. Chargebacks take months to come in, when you recieve a chargeback its for a transaction processed 3 months ago, not today. However the ratios are calculated off the current transactions. So you may have 10 chargebacks for transactions three months ago but the ratio is created off of your volume today. So scrubbing harder now will only hurt your ratio as the fraudlent transactions have already taken place. Scrubbing harder today may make your ratio better in future months but it will make this months ratio worse. You following me?

I understand what you're saying, however, turning down the scrub to increase your overall sales volume is a band aid fix that is completely unsustainable. How are you going to bring the ratio back down when all those new sales without any scrub at all start bringing in charge backs? You can't scrub any less.

The only way to bring your overall charge backs down, over the long run, is to increase scrubbing.

[3piece chicken Dinner]

Great Idea!!!!!!!!!111


I have a solution.

Stop pushing sponsors who use Paycom and CCBill and your scrubbing woes will be eliminated.


The scrubbing threads used to be pure comic genius. Now they are a bad rerun of a better thread.

[Furious_Male]

Dig deeper. Look at your hourlys real close. You will find the answer.

[Easton]

Originally Posted by Bomber8888

Noticed a hard scrub today and yesterday...

Jason

same, tho if you read other threads people are bitching about CCBill too

i think it's just the lowest point of the "low season" - that's all

[Snake Doctor]

Originally Posted by WarChild

I understand what you're saying, however, turning down the scrub to increase your overall sales volume is a band aid fix that is completely unsustainable. How are you going to bring the ratio back down when all those new sales without any scrub at all start bringing in charge backs? You can't scrub any less.

The only way to bring your overall charge backs down, over the long run, is to increase scrubbing.

Sure, you're talking about the long run.
But earlier you were talking about the beginning and the end of a period and how the scrub was affecting ratios at those times......if you think about it from this different perspective I think you'll see that your previous presumption doesn't really make a lot of sense.

[power182]

Originally Posted by WarChild

I understand what you're saying, however, turning down the scrub to increase your overall sales volume is a band aid fix that is completely unsustainable. How are you going to bring the ratio back down when all those new sales without any scrub at all start bringing in charge backs? You can't scrub any less.

The only way to bring your overall charge backs down, over the long run, is to increase scrubbing.

I agree with you there, scrubbing is an effective way to prevent fraud. However, if they are going to scrub harder its going to be in month long periods; to change it daily or weekly wouldn't help in the big picture. That's all I am trying to say, these constant swings people claim has to be deeper than the billing company. As somebody mentioned before, it could be anything.

edit: Just read the above post. Let me sum my post up; what he said.

[Linkster]

Since some WMs posting are the affiliates - not the program owners/WMs - thinking its a scrub is really just avoiding what it really is - take the time to really track when your sales happen down to the hour of each day and chart it - you will find the answer you are looking for - and hopefully a different sponsor.

[xNetworx]

I feel like I'm missing sales from yesterday