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Could the difference in ratios between ccbill and others be something as simple as the checkout pages? Doesn't ccbill identify the customers ip and give them the checkout page from the server closest to them?
If this is the case, and some of the servers are slow, the prospective customer may just give up.
I have no idea if any of this is accurate but we also have had dramatic ups and downs, and it seems that everyone with ccbill has these up and downs on the exact same days.
To be fair, we have briefly experimented with other processors and didn't find any improvement. Never tried Epoch though.
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