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Originally Posted by SwirlsGirl
1. Who decided that my account needed higher fraud scrubbing settings?
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My understanding is that the banking and scrub rules can be modified any time due to trends, for your site, others like yours, and all sites as a whole. I can imagine scrub rules may be higher for a site that has affiliates versus one (like mine) that generates all sales internally. Or, if your chargebacks get too high in any specific period of time the scrub may automatically get set higher.
Quote:
Originally Posted by SwirlsGirl
3.How many of my denials were actually because of fraud scrubbing?
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The reason for the denial is always listed, and you can look these up in the admin. It's only scrub if it says "Pre-Auth." Those never get to the bank. Bank denials say things like Insufficient Funds, or the all-purpose "Transaction Denied by Bank."
The folks there to ask are not the general Client Support guys, but Client Risk - fraud at ccbill.com. I once had a long and fruitful phone discussion with the head of the department. They seem a reasonable bunch of folks to work with, and if your account has some settings that are negatively affecting you, it pays to ask directly. You are giving them 15% of your money, after all, which makes it their fiduciary duty to do the best by you.