Ms. Daniel also confirmed that Monarch provided her with the ownership information on a few of his clients. When Ms. Daniel contacted those clients to investigate the complaints stemming from their businesses, she reported that they were uncooperative and unhappy that their information had been released to her.
HNB is just 1 of dozens of free trials that link back to Monarch’s company, Direct Outbound Services, as listed later in this article
How Some Free. Trial Operators Avoid Detection
The USA Herald has found that there are 4 primary methods that some free trial operators use to avoid detection from authorities, including Visa/Mastercard fraud monitors:
3rd Party Signer Banking Infrastructure
In order to process credit cards of consumers without getting shut down by Visa/Mastercard, some free trial operators engage in what is called “load balancing.”
Load balancing is the process of taking multiple Visa/Mastercard merchant accounts (AKA MID), registered to different companies, and spreading transactions across each MID while directing consumers to just 1 product offer, i.e. HNB Garcinia Wow Trial. The primary purpose of load balancing is to avoid exceeding 100 chargebacks per month on any single MID, which if breached flags fraud monitors at Visa/Mastercard.
