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It makes a lot of sense that scrubs are harder.
Lets say the billers are expecting to lose volume because of this Visa crap. They have to keep their chargebacks within limits but as far as know, chargebacks are measured in the month they happen against the current volume, not back against the month the original charge occured.
So if you think you are going to lose 25% of your business as an example, and a chargeback takes a few months to come through, your 1% chargeback ratio really needs to be 0.75%. So you need to be doing something about that now and not in 3 months time.
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