rhymer, I've definately noticed its getting harder to chargeback ... and banks are also becoming aware of 'serial chargebackers' and looking at how trustworthy the customer is not just the site they joined.
and as you said, the scrubs are becoming better too - so the evil transactions don't even get through in the beginning. Its also helped by how many companies are now sharing their scrub list ... a scrub list has become the remove list of the processing world LOL
a good remove list can save your spam business (so nick tells me!!) and a good scrub can save your processing business ... companies share these assets in the same way we'd do traffic swaps
we've all learnt a lot about balance after riding this roller coaster for so long!! back in the day we just wanted every transaction we could get because it was a volume numbers game ... but in those days, there were SEVERAL companies who were doing 2k plus joins a day so we didn't care about 10 chargebacks ... there was always 10 new customers to replace them.
And in those days, 20 companies controlled 80% of the entire traffic in the biz ... while the 80/20 % rule still applies, but 20 companies used to be 80% of the industry - now it would probably be 2000 companies that make up the top 20% (purely a guess, i have no idea how many companies or people are in this biz - i just know there are too fucking many!!)
at least we were all a lot more 'calm' about processing in the second half of '04 than the first LOL
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