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My ratios have been down all month. My guess is that with all the scamming that's been going on, everyone has their fraud protection cranked so high they gertting false positives and shutting down good deals as well.
Also a few months ago remember MC decided that cross-sales were against its terms of use, I wonder if processors are being forced by MC to scrutinize purchases to a level that is nearly counter productive, declining based on minor address mis-spellings, etc. in order to show due diligence and not have their MC privileges revoked.
Others that are already in hot water due to cross sales passing through their systems may just be intentionally trying to lay low.
Just theorizing based on ratios, I don't have any real info.
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