The billing company I used to work for was outsourced.
Credit cards were denied when some tried using them, not because there was a balance, but becuase they had retruned mail!!! So I Know of two people stuck at the checkout with denied cards.
They tried to oursource Some radiology readings, CT scans, but they said it was a disaster. Maybe they don't have the same insides we have over there in India!!
purps