This is true lol. I've worked in the industry for several years and most of my clients were those operating in the grey areas. I've seen many reduce their CB ratio drastically with a few simple solutions. Pre-chargeback alerts, fraud kits etc. I have many contacts in the industry that can get things setup smoothly and generally at a better cost than most. I also have trusted partners that offer domestic/offshore processing, in which I've happily sent many clients to as well, that had merchant troubles in the past. Hopefully that helps a bit, as you can see I'm still figuring out my way around.