Quote:
Originally Posted by kristin
You're own merchant isn't always the best solution. Processing fees can be just as high as with a IPSP. The main thing that a merchant is good for is to control the scrub rate thus allowing for more joins to come through.
We see little fraud and such on mobile so the scrub is less on that than our PC. Hence why our mobile runs on merchant and PC runs on IPSP. But the fees are about the same if not higher.
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Kristen,
I have to disagree with you here on several levels. First and foremost, your costs shouldn't be anywhere near as high with a direct merchant account in comparison to an IPSP.
Secondly, you have to be able to trust the scrub that's being done on the IPSP which means you should be testing your PC content against a direct solution and looking at the approved/decline ratio to see if the scrub is eliminating clean business. The scrub is only as good as the data available and the parameters set.