Originally Posted by webmasterchecks

pete your right, i apologize

they have a different setup, i believe they changed it recently. they ask multiple series questions up front and if you answer them right, they let you through.

Now, i observed that they enacted that roughly around the time of the change in nacha rules a while back (a deadline where NACHA required all the *real-bad* check return codes to be below 1%.)

Now, doing this A)costs a nice amount per transaction, because it costs to access the huge databases that can pull up background info on a wide range of people in a few seconds, and B) lowers throughput because who wants to give a porn site their Social Security or Drivers License #

For whatever reason they did it, I don?t think ccbill or epoch did the same thing.


The problem with check processing is there there is no real-time clearinghouse where you can get an instant approval/denial on a user, you have to submit the check and wait for it to clear or bounce, which may take a week. With a credit card, you know whether it can be billed in a millisecond

Now you can do other checks to get an idea of if is a good user or not, but those are expensive/intrusive, when your dealing on a per transaction basis.

Wts ben or anyone, I respectfully ask you to correct any of the above