Originally Posted by adultmobile

We don't get more chargebacks or refunds with SegPay really. But, we are a cam site and we double check every transaction and void 90% of frauds within the first 24h ourselves - for cam sites is easier to see carders as they buy like $1000 in 3 hours as new user LOL.... we do this double check for 6 billers we have (include own merchant account as primary). In fact SegPay some time voids fraud sales themselves, they have risk people doing it (some refunds may be from their risk dept). About the hold periods or %, if you do lots of transaction with them, all the billers (includng SegPay) will be more nice with you. We never used Verotel just because our merchant account uses same bank - we have other billers mostly because each card is friendly with different banks - so it may decline forever one biller just as does not like its bank, while may like another - and have nothing to do with how cool a biller is... users always email us that while submitting to this or that biller, their card is disabled and bank calls "you made this transaction or it is fraud?", such a paranoia especially happens if US or CA cards are used online in Euro banks, but I seen this happening even US->US or whatever combination. Ideally you should have one biller per country, or one biller per bank