Originally Posted by Far-L

Ok, "scrub" exists but not in the sense of "penalty and reward". Scrub has to do with setting parameter thresholds for risky transactions, which I know you know but just making it clear for everyone. People talk about CCbill like they set a scrub in order to tolerate more bad transactions rather what it really is, a way to increase good transactions.

So, to be more specific, the way it works for processors like CCBill, where that risk is spread across the entire roster of clients, that risk balancing act "scrub" is always going to play in favor of the client, rather than against, because of the volume and average of good transactions which is part of why CCbill can charge the premium that is does.

CCbill is just as averse, if not more so, to chargebacks and other problem billing issues because they have to keep in good stead with MC/visa, so CCbill is not going to allow charges to go through that aren't up to snuff regardless.

So one small site that say does 10 transactions in a day and 3 of those get a CB, and another site that does 1000 transactions in a day only gets 3 chargebacks, the amount of overall CBs between the two is not going to make CCbill lose its status with MC/visa but CCbill is still going to be wondering what is causing the one site to chargeback at such a high rate regardless.

When a company has its own merch account then of course there are more controls over the scrub but more vigilance is required, another reason third party processors charge so much more but then of course everyone also BENEFITS rather than gets penalized by that knowledge and experience adjusting those thresholds to stay in compliance.