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Well Colin, the banks are getting tighter, there is no doubt, of course I would imagine it's in response to the fact that people are over reaching their credit limits or not paying their bills on time. That's pretty much the only reason for a bank to decline a sale. And as a % of sales, bank declines have been steadily rising and scrub declines dropping. I can't speak for anyone but us however, so other processors may have different scenarios.
The bottom line in this business, just like any other sales or marketing type of enterprise is actually marketing to your customer, and making the sale.
For instance, I got new tires last weekend. I also paid $60 extra for a warranty, above and beyond the mfr warranty -- would I have bought it if the sales person didn't a. tell me about it, and b. ask me to buy it? NO.
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