[vampirechicken]

Probably by becoming a highly-trusted, low-risk customer. Payment balance float is all about holding some money in reserve in case of chargebacks. The better your stats are, the less money a processor will insist on holding in reserve.

[downandout]

Balanced did it by default.

[vampirechicken]

I'm not familiar with the volume of data that balance collected at signup. But I am familiar with the volume of info in the PCI's "Know Your Customer" initiative. I i'm going to speculate wildly that balanced got to know their customers during onboarding, rather than waiting until after they started processing payments.

Additionally, I think that a company's level of trust with their customers involves some 'coefficient of risk' regarding potential losses to chargebacks against a low or non-existent reserve. I find the topic interesting, especially the consequences at a federal level if you guess wrong and the "customer" turns out to be laundering money.