Quote:
Originally Posted by BoyAlley
Personally, I think there is a HUGE difference between using this "feature" for free signups vs. paid ones, and I think that's where the big problem is coming from.
Having "fraud screening" on free signups, many of which don't even require a user to enter a CC, so there is no processor scrubbing going on, is one thing.
Having it on transactions that have already been approved by a processor is a whole other, and raises most of the issues that have been brought up in this thread.
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Free signups DO go through epoch/ccbill, the program gets charged $ for the valid cc check. It is a real signup, through the real processors. PPS programs have huge fraud problems already, I'm sure fraud through free signups is even worse.