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I hear you Lenny. Let's hope that's the case. Also, I wouldn't be surprised if Visa saw a trend for certain IPSPs having a larger percentage of clients in violation and in turn fining them. I've done research on everyone of our chargebacks for the past few months. We have found a MUCH higher level of fraud going thru ibill. I can't see Visa letting processors pad their pockets with CB fines (imposed by the processors themselves) and processing fees for scrubbing less. They'll have to make sure the IPSPs are doing whatever they can to avoid chargebacks.
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