Cross sales are a risk management business.
Are they part of our program's income? Yes they are.
That said, disclosure, opt out and MOST importantly, effective customer service are keys to having them and not losing your merchant account within the first couple months.
I would never dictate how anyone else runs their business. Programs that don't use them - great, more power to you..those who do - great, run your business how you see fit and don't let a couple people on a chat board affect how you run your business.
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