Actually, not true. Mastercard has its own set of rules, that's why CCBill had to implement this crazy E-ticket thing they did a year or two ago (the thing that allows members to "shop" for a site and all that.) They did that to comply with the new Mastercard regs.Originally Posted by wnc
Visa definitely has more policies pertaining to adult, but each card association has its own set of rules, and there's nothing to stop Mastercard, or Discover, for that matter, from adding another set of regs that CCBill and Paycom have to enforce.
Also, regarding the CCBill scrub vs Epoch, they used to be noticeably different, but I think even Epoch will acknowledge that their scrub is roughly the same as CCBill's these days. And not wanting a sale approved by Epoch that another processor has turned down? Ridiculous. Each processor has slightly different rules, and some transactions will decline at Epoch and complete at CCBill, while others will decline at CCBill and complete at Epoch. Again, it just depends on their individual scrub rules. Today, neither Epoch nor CCBill has "better" scrub than the other, from everything I've heard and seen. We have noticed that on some days, CCBill scrubs harder than other days, but I've heard other people say the same for Epoch.
And to answer Max's point, I don't think Visa International has different compliance policies than Visa US does, other than a more lenient threshold on chargebacks (2% vs 1%.)
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