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Old 01-24-2011, 01:43 PM   #1
Cherry7
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CCbill denials -what to do, if anything

Looking at the denial e-mails from ccbill, refuse by bank, etc... a few go on to join with Epoch but most only try the once...

Is it worth e-mailing them offering the epoch option?

What re try setting would you suggest before offering Epoch? At the moment we have 3.

Ta
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Old 01-24-2011, 01:47 PM   #2
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perhaps you want to make epoch your primary processor for a while instead.
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Old 01-24-2011, 01:50 PM   #3
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perhaps you want to make epoch your primary processor for a while instead.
It would be interesting to see a comparision.
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Old 01-24-2011, 02:22 PM   #4
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Originally Posted by Cherry7 View Post
Looking at the denial e-mails from ccbill, refuse by bank, etc... a few go on to join with Epoch but most only try the once...

Is it worth e-mailing them offering the epoch option?

What re try setting would you suggest before offering Epoch? At the moment we have 3.

Ta
First check the denial reason... if its a score decline...then you know that the customers details he provided to ccbill were not sufficient enough to justify the risk associated with the temporary loan/credit issued to you the merchant on behalf of ccbill.

I admit it took me some deep pondering to be able to look at this from the perspective of a bank. There is a reason that banking history/secrets are not taught in public schools.

If your customer were not applying for a "loan" there would not be a need for a "score" decline. If a customer has money on his/her card and wants to spend it... why should they need an "approval" or "denial"

The proof is in the language...approvals and denials are not words associated with paid in full transactions.

Approvals and denials are associated with loan applications....home,car,personal,etc.

The beauty of thinking outside the box is once you do you can never behave the same when you are inside the box.

100% of your generated sale being converted into a loan, and loaned back to you at 15-20% to justify the risk associated with the temporary "credit" is..... brilliant,bold,profitable....if only we could have thought of it first.
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Old 01-24-2011, 02:23 PM   #5
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I would be happy to discuss some options with you if you would like.
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Old 01-24-2011, 02:28 PM   #6
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Quote:
Originally Posted by Cherry7 View Post
Looking at the denial e-mails from ccbill, refuse by bank, etc... a few go on to join with Epoch but most only try the once...

Is it worth e-mailing them offering the epoch option?

What re try setting would you suggest before offering Epoch? At the moment we have 3.

Ta
What to do about it?

Bitch, moan and cry about it and let the transaction go through and then pay out the ass
in charge back fees.
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Old 01-24-2011, 03:34 PM   #7
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Cherry. message me and ref this thread I might have an idea for you.
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Old 01-24-2011, 03:51 PM   #8
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First check the denial reason... if its a score decline...then you know that the customers details he provided to ccbill were not sufficient enough to justify the risk associated with the temporary loan/credit issued to you the merchant on behalf of ccbill.

I admit it took me some deep pondering to be able to look at this from the perspective of a bank. There is a reason that banking history/secrets are not taught in public schools.

If your customer were not applying for a "loan" there would not be a need for a "score" decline. If a customer has money on his/her card and wants to spend it... why should they need an "approval" or "denial"

The proof is in the language...approvals and denials are not words associated with paid in full transactions.

Approvals and denials are associated with loan applications....home,car,personal,etc.

The beauty of thinking outside the box is once you do you can never behave the same when you are inside the box.

100% of your generated sale being converted into a loan, and loaned back to you at 15-20% to justify the risk associated with the temporary "credit" is..... brilliant,bold,profitable....if only we could have thought of it first.

The two bits of onformation supplied are "denied at Pre authorisation" and "denied by bank"

I will check with CCBILL if there is more info to be obtained.
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Old 01-24-2011, 03:53 PM   #9
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I would be happy to discuss some options with you if you would like.
That would be great, I will e-mail you or you can e-mail me at [email protected]

Thanks
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Old 01-24-2011, 03:53 PM   #10
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I'd also like to discuss this with someone. We get quite a few denials, and people try 2/3 times sometimes.
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Old 01-24-2011, 04:58 PM   #11
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Cherry. message me and ref this thread I might have an idea for you.


It's a dude. Cherry is a fake nick.
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Old 01-24-2011, 08:09 PM   #12
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The two bits of onformation supplied are "denied at Pre authorisation" and "denied by bank"

I will check with CCBILL if there is more info to be obtained.
Pre-auth denials are those that failed CCBill's scrub (score). They can give you more details about the specific reasons for the scrub failure. Don't do as some people here and make make naive and unfounded assumptions on what it all means. They can show you a day or two worth of scrubs and their reasons, like proxy detection, previous chargebacks, and so forth. Do you really want a customer that has a history of charging back his porn subscriptions? Nah.

Last edited by VGeorgie; 01-24-2011 at 08:11 PM..
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Old 01-24-2011, 08:19 PM   #13
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have you tried emailing them with an alternate biller with some kind of promo that expires. Join today and get 60 days for the price of 30. That also might give the customer a longer trial period and you might see an increase in your rebill rates.
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Old 01-24-2011, 08:20 PM   #14
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cascade them to segpay.
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Old 01-24-2011, 09:22 PM   #15
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Pre-auth denials are those that failed CCBill's scrub (score). They can give you more details about the specific reasons for the scrub failure. Don't do as some people here and make make naive and unfounded assumptions on what it all means. They can show you a day or two worth of scrubs and their reasons, like proxy detection, previous chargebacks, and so forth. Do you really want a customer that has a history of charging back his porn subscriptions? Nah.

Let no one else define the issue at hand for you regarding charge backs. A very simple solution for charge backs would be an "ALL SALES FINAL POLICY" on the behalf of your billing company.

Or better yet a "selective" ALL SALES FINAL POLICY for such scammers and idiots who buy memberships and do just that...CHARGEBACK

Furthermore....can any of you show me 100% proof and verification that all of your "precious" chargebacks/refunds/voids have been confirmed returned?

Of course not.... but you won't question that, you will question me for asking such a question.

If your "score decline" shows you have a history of charge backs then offer them an instant sign up alternative with a clear statement that once this transaction is approved you will not be able to "Chargeback"

Its humorous and sad at the same time how colleagues will never question or challenge the structure of the processing/banking world.

Either they themselves are too naive or lacking the intestinal fortitude to call a spade a spade.

Rest assured any of my suggestions will benefit you the merchant and not the billing company, so anyone who discounts my suggestions without giving it thought, is obviously placing the needs and concerns of the billing companies over the needs and desires of us the merchants.

Last edited by SwirlsGirl; 01-24-2011 at 09:26 PM..
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Old 01-25-2011, 12:37 AM   #16
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Setup a cascade from CCBill to Epoch, that will pick up some and make sure to tailor all your ccbill customer emails: declines, failed rebills etc, place a direct epoch link, remind them about online checks/eu direct debits and if all fails encourage them to get in touch to work something out via a support link.
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Old 01-25-2011, 02:19 AM   #17
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Thank you for all that advice. It is very informative and helpfull, thank you
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Old 01-25-2011, 09:40 AM   #18
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Let no one else define the issue at hand for you regarding charge backs. A very simple solution for charge backs would be an "ALL SALES FINAL POLICY" on the behalf of your billing company.
You have ABSOLUTELY no clue how this works. There isn't a billing company, merchant, or issuing credit card bank that will allow this. The credit card companies do not allow this. The largest companies in the world doing billions in sales aren't given this little perk.

Your problem is that you don't truly question anything other than bitch and complain. You call shouting conspiracy theories without first educating yourself "thinking out of the box." At least give yourself an Internet education. Look this shit up on Wikipedia or something. Or better yet, talk to a bank about your beliefs of how things like chargebacks work.
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Old 01-25-2011, 11:59 AM   #19
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...if all fails encourage them to get in touch to work something out via a support link.
*cough* PP + WU can really be your friends if you're not stupid about it *cough*

(disclaimer: the above is so super not advice...)
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