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Ibill:
If you have someone inside Ibill that will go to bat for you, payment's not an issue, but it sure as heck was a battle getting my money. They did pay me, though.
Pros: Agreed, they convert well and I'm on the lowest scrub because of low chargebacks. Will pay outside the US even if showing a US presence, nice, since I live in Mexico, but registered with Visa in the US.
Cons: DI doesn't work, PM can take up to 2 weeks to set up, support (for the unconnected), non-existent, slow support if you are well-connected, fucked up checking rebills and listing check bounces as refunds, cancelling members for no reason and refusing to reinstate them even if they call in.
CCbill:
No Pros.
Cons:
last used them in 1999, when they proceeded to almost destroy my site with no expirations, random refunding, a supposed 20% chargeback ratio (I'd been at under 3% with the previous processor), conversions in the toilet, lousy support, denial that they were refunding EVERY member that cancelled rebilling, though they were. I went from an average of 30 signups a day to 5-7. They told me I was nuts. I left after one month. When it came time to pay me, they didn't wire me (at my request, cause the amount was so low) for over 12 weeks...but charged me for 12 wire transfers while only sending 1 and I have yet to be paid back for them.
Epoch:
Pros: Everyone's saying that all their features rock, the big guys are using them, they supposedly have multiple levels of scrubs, they are flexible with Visa reg's (ie, paying outside the US if regg'd in US).
Cons:
On sites where I was a reseller, they paid me on average about 1 in every 6 checks for years. I gave up long ago fighting them for those payments. I still have one site that I am still recurring on (2 years after I stopped sending traffic, tell me recurring doesn't rock!), they still only send about 1 in 5 checks. They've had at least two payment scandals so far and seems like there's a revolving door in the ownership.
PSW:
Pros: They seem to pay on time, what little there is to pay out, that is.
Cons: Their checking processing is totally fucked up...they refuse to fix it. Their conversions SUCK. Despite being able to prove that they had problems with their cc's and checks and stats, they refuse to respond. They don't work weekends. They take forever to fix any problem.
They suddenly cut off my processing of Visa though I'm reg'd in the US because I have Mexican Wire info. No warning, no answer to emails, just cut off, a lousy form email and that's it. Doesn't matter that I have a US business presence, no offer to change the payout address, just no more Visa.
Jettis: Haven't used them yet, BUT:
Pros: I've heard great things about them. Ken Lawson's affiliation makes me comfortable. Their rates are excellent. They promise that their conversions will surprise me. I've heard they're not scrubbing so hard anymore.
Cons: A contract that weighs half a pound and is solely responsible for the depletion of at least one rainforest. So complicated that I won't sign it without sending it to an attorney first.
Globill: only used them as a reseller. They bounced a check for 17 dollars on me TWICE and made me jump through hoops to get my bank fees back. Rumor also has it that they're SYPRO recycled..bad thing.
To http: Don't count on Epoch paying you as a reseller. You WILL miss checks, it IS impossible to get them to respond to you if you're not a site owner. It seems to be a part of their profit margin. They've been that way since 1998. I had to be paid by my sponsor (I was his largest reseller then) because they simply wouldn't pay me all my checks and we were talking about 3K dollar payouts. We're going to use them as part of cascading processing (for great features) and will have to do payouts ourselves or through a payout service, they're that bad. With CCbill, your conversions will suck. If you have to promote one of them and you have a lot of traffic, get the website owner to pay you direct.
For a reseller of a site, Ibill is still by far the best bet.
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