*Attention newbies and trolls* IGNORE THIS THREAD

To start, I need a clear overview of how credit card processing works and the
major organizations involved.  I want answers and discussion to be
backed up by published authoritive sources.

I'm interested in providing a 3rd party credit card processing service
to both e-merchants that retail tangible products and web sites that
are high risk, such as membership based sites with recurring billing.

In particular I'd like to develop a solution that affects many higher
risk web sites known as the "end of the month scrub".  3rd party
billers must manage chargeback ratios across all the retailer accounts
that they manage.  I know that within the last few years, Visa has
lowered the acceptable charge back ratio for merchants (please link me
to this white paper).  There is speculation that 3rd party billers
increase fraud settings and block more transactions from foreign
countries toward the end of each month, due to chargeback ratios (aka
end of the month scrub).

What is the solution?

Please include published authoritive documentation with your discussion.

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Clarification of Question by danreturns-ga on 16 Dec 2005 07:37 PST

Let me clarify the solution that I'm looking for ->

How can a 3rd party biller operate with higher than normal chargeback ratios.