Originally Posted by TheDoc

Based on merchant account settings, I can make my declines go through the roof or drop to the floor. Anyone with a merchant account that can adjust scrub that is bitching, simply needs to adjust the scrub and stop bitching.

With 3rd party processors statistically the compounding effect of refunds/cb's globally going into a fraud db for the base scrub, will slowly increase decline ratios over time however it will lower cb/refund ratios naturally too - which is what has happened.