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Happen to break down the decline reasons, across each processor?
Did you a/b test every join form template and custom templates within ccbill?
Different join templates increase/decrease the submits and they can increase/decrease errors in the form, which can be decline reasons.
Happen to notice that CCbill almost always has a lower cb and refund ratios and retention averages are higher, along with rebill decline percentages when you removed NSF declines?
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