I've just recently dealt with CCBIll and Paycom, and I can tell you that not only are their criteria different, the criteria aren't even consistent within the same processors! We got a full approval on a site from both Paycom and Visa, then, a month later, a long, incredibly picky list of stupid shit that they hadn't complained about before, including a ridiculous request that we unlink BananaGuide because they were promoting an offsite link to something that the compliance person decided wasn't OK.

Since this happened while we were at Phoenix Forum, Trevor spoke with the people at Paycom and got it all resolved... but it just goes to show that consistency isn't exactly 100%.

Now, of course, for those turned down, there are definitely some offbrand options... if Segpay will take Mike18, they will obviously accept anything... and there are some other billers out there, mostly in Eastern Europe, who I think will take literally anything.