Quote:
Originally Posted by pompousjohn
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.
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That's a fair explanation to what could potentially be happening, however I would think that's a pretty reasonable thing they would be doing if that were the case. Theyve been in business a long time and if they think it's good to approve them or not good enough to approve them, shouldn't we trust them? I mean, they make money when we make money. That's why I am always curious about people not trusting them. I mean, we should never be blind and always question but unless there is a sign of something besides sales spiking, then I don't see a reason to worry. Mainly because we're dealing with people, there will always be odd trends and spikes. Hell I just went the past two weeks with having all my sales in the first 12 hours of the day and none the next. Two weeks before that, all of them were in the other 12 hour period. Sometimes there are good mornings, sometimes there are bad evenings. When you've been in business long enough, youre going to notice some very strange trends and bad patches eventually.
Also what Chris said
"you do realize that they are CHARGED on denials? Why would they want to deny cards? ;/"