Enlighten me, CC Bill Hard scrubbing...
 

I guess I don't understand this scrubbing you all talk about! If the customer fills in all the info. and his card is good... Why would CC Bill scrub the sale? What are they looking for? Does anyone know?

Maybe someone from CC bill will Jump in and explain?

Thanks,
Denny

So by looking at your responces... Scrubbing must just be another porn myth?

I guess they have some sort of algorithm which calculates the probability of the transaction being fraudulent. If that number is high enough then it gets declined by ccbill.

Don't forget that there are other parties involved also, the customer's bank could deny the transaction. I've had two Visa cards fail one day with ccbill, and work fine the next.

Its no myth Denny, they scrub harder by not allowing high risk cards. This can be from regions, countries, or people who have a past of high Chargebacks, refunds, abuse etc. Just how much they they scrub only the CC companies know, but some do it more then others.

There are many ways that processors scrub transactions. Just because a credit card is aproved by the bank does not mean the purchase is being made by the cardholder. These processors use negative databases, IP matching and blocking and many other tolls to try to validate the purchaser.

We like to be able to control our own scrubbing, which we do through our primary processor. This really helps our conversion ratio. We even scrub differently for different sites we have.

Z

So the scrubbing is not done by CC Bill it's the credit card company!

are there any actual big programs that use ccbill? I'am not taking a stab, just curious.

I thought the term 'scrub' referred more to processes that decide whether to initiate the transaction based on factors such as the country of the customer's bank, the IP they're using, whether that card has processed successfully before, etc. The card could be declined by ccbill before they ever send out any request to a bank.

They probably use a point system for scrubbing. If customer uses free email address, they might get so many points. If they use proxy server, x amount of points , etc. And if # gets up to certain level, then they don't let it go thru.