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I'm not sure why you guys make things so complicated. If I was Zombaio, here is what I would do:
- Charge whatever discount rate (%) they currently charge
- Charge a fee per decline, let's say it's 25 cents.
- Not worry about where you are in anyone's cascade since you are passing the decline fee you incur along to the merchant.
Simple, effective, no drama.
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Skype variuscr - Email varius AT gmail
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