Quote:
Originally Posted by Pseudonymous
I have never understood all these types of threads. How would they scrub without you knowing? Are they taking potential members money and calling them denials? Then they wouldn't have a pass? You don't think you'd get any emails from customers if that was the case? Are they simply not notifying you about a transaction and giving out logins? Then you would be able to see logins that you don't recognize in your user management file. I simply don't see how they could do this to anybody without us knowing, especially with how many clients they have and how many customers use them. What are you actually implying could be a possibility here?
Im not saying there couldn't be something but I surely can't think of any way they could without us knowing.
|
It's usually the fraud scrub going up and down. Processors can choose to allow or deny
1) traffic from countries with higher chargeback rates,
2) transactions where the billing address and join IP do not coincide
3) transactions from cardholders who have charged back in the past
4) transactions from card #'s/billing addresses/ip addresses that are in their private blacklist, or public blacklists
5) transactions that have been attempted more than one or two times
etc.
Most businesses that monitor quality will loosen up if they need more volume, and tighten up if the volume is spiking unexplainably or quality is lower than optimal.