Visa & Other CC Co. --- ending online porn?

FDR = First Data Resources. A subsidary of First Data Corporation (FDC). Yes, I do and I will tell you this also before you start sprouting that I am Full of Shit. I did one of the first online payment processors and also one of the first open kit payment gateways which I sold and retired on. So don't tell me I don't know anything in fact, I probably know a lot more about this industry. To me, you are just utilizing an application ok? For me it was down and dirty coding ok? Btw, I sold my gateway during the net boom...and I know what the whole industry is all about. So don't tell me it cannot be whacked. I know it can.

FDR's strength is that it has latin america's cc bins and australia, but lacks a lot in asia. FDR compliments its systems with a partial Europe cc network. Anything else you want to say? Even FDR has weakness. But that is another issue altogether now.

KimmyKim,
That's right and they should really work on it because I think we have a lot to learn from each other and Europe is way ahead in technology in this field, IMHO.
I converted 1:50 with my Finnish paysite and there was not even an option for a credit card

Have at it then

You saying that your system is fraud free?
Is that what you are claiming?

My money's on KK.

You want to bet on that? I will accept all bets.

"My money's on KK."

I will believe you will lose.

I use CCBill, so my money literally IS with KK.

I sleep on Kimmy's couch, so I'm with her too.

Mika,
could you post the URL of the joinpage of this finnish site?

TheFly,
every taxi driver here has a cell (and CB, and they speak the language and they have to pass an exam that they are able to find every street in the city - sounds cool, he).

The question was how to pay in the net, and I still consider this pay box system as a secure and practicable system.
But it is correct, there are some differences between USA and EC: in Europe everybody has a banc account (except some homeless people), and the last time I signed a check was in '93 or '94.

No system is 100% fraud free. That's not what I said or implied.

What I did say is Have at it.

Heinz, sorry I cant it's not online. But it had 3 options, 1. getting a username/pass as a text message in your GSM, 2. including the bill in your access provider bill or 3. bank transfer. I charged around 10 USD and that was for 3 days only.

I also want to clarify something --

someone makes a post like this,
"Heck, in fact, I even know about epoch, ibill, ccbill and all the online systems out there. I know their fraud capabilities and to be honest, none of them are any good at all (cut off the rest in the interest of keeping this brief)",

making claims regarding our system (or any others I might happen to know about) that are completely unsubstantiated and further, are untrue, then I'll call it like I see it.

Many of you deal with CCBill and others mentioned, as either a sponsor or a reseller, counting on us to get your money to you on time and in full, which is how we make our money as well.

For someone to tell you something that is a blatant untruth, well that just pisses me off.

most employees in the US get paid by check...

and lots of people still buy their groceries and just about everything else with checks... mostly lower/middle class people that know that the check will go through later in the month so that buys them more time to pay their other bills... after enough checks bounce they just go to court and the system makes them a deal... (this happens to lots of people I've seen them ;) but at least food is on the table for their family...

CCBill may have great fraud protection... but maybe that is why I've never been able to get good conversion ratios with any program that used CCBill... and I've tried at least a dozen... even excellent quality sites with amazing content that I was sure could convert... Most programs that I try that use Ibill though seem to convert fine...

Anyway I'm glad that we have people like Kim and Flyingco on this board... I'd rather hear the mechanics of how things work though -- but I guess ego wars can be entertaining.

I was thinking the very same thing. And I thought the same as KK about flyingco's first post, but their debate is interesting.

I can't tell you about the mechanics of our fraud system, for two reasons.

One, it's proprietary and we license it to other processing systems with their own front end on it.

Two, the more people know about it, the harder they work to beat it and the harder we have to work to keep them from beating it.

Our fraud scrubbing, as I've mentioned past, accounts for less than 10% of total declines. We can't make people pay their cc bills on time and we can't up their credit limits when they don't have enough money to join unfortunately.

On another note, we've just done some network upgrades yesterday that have the join pages loading faster than ever before -- we are averaging less than 1.5 seconds based on third party monitoring from points around the globe now

Quote:
"I also want to clarify something --
someone makes a post like this,
"Heck, in fact, I even know about epoch, ibill, ccbill and all the online systems out there. I know their fraud capabilities and to be honest, none of them are any good at all (cut off the rest in the interest of keeping this brief)",

making claims regarding our system (or any others I might happen to know about) that are completely unsubstantiated and further, are untrue, then I'll call it like I see it.

Many of you deal with CCBill and others mentioned, as either a sponsor or a reseller, counting on us to get your money to you on time and in full, which is how we make our money as well.

For someone to tell you something that is a blatant untruth, well that just pisses me off"

Sorry KK, but I think you are missing the point. I have done at least enough research at least to make that call. Would you be willing to say you can stop the following? And can you honestly even say that have no losses from credit card fraud before?

One, let me play this scenario for you ok? I pass you a verified US citibank account that comes in from NYC. Let me also pass you a verified US address, let me also pass you the verified ZIP code of the address and also the telephone number plus a US IP. Can you absolutely verify that I am the end user if I purchase 10k worth of products from you? I don't think anyone can in this industry and would you be able to guarantee that there will be no cb? No one can, BUT there can be steps that can be taken to minimize that risk.

You know as well as I do that Visa/Mastercard rules state that an end user can do a CB up to 180 days or longer. And because you do not have that signed signature piece which comes along with a web transaction, it will never be 100% safe and you can argue all you want that the fraud scrubbing can take but if someone knows the system of the bank rules etc, they can beat you no matter how you do a fraud scrub. If they want they can beat you so badly and you must admit and give me that discussion point. You may think I am full of shit, but I think you guys should consider what I have said. A determined fraudster can beat a lot of things. AVS does stop certain things yes. Fraud scrubbing does beat a lot of things, but it cannot beat a determined fraudster end of story. You know it and I know it, so lets just say that. It is within everyone's interest to beat it, and we should acknowledge that fact. You may feel that I have been unreasonable in whacking your company, but it is just from our past research that shows which companies are in the front line that is all. I am sorry your ego is hurt, but hey, better an ego is hurt then real money is wasted. I bare no hard feelings but I think you need to reevaluate what I have said.

OK fine, then.

Upon reevaluation I have come to the following conclusion.

flyingco = full of shit.

Have at it.

Hey FlyingCo... there's a resemblance between your nick and FlyingCroc. Are you one and the same?

Flyingco,

I think that you are missing the point entirely....

Pay attention and you'll get the point pretty quick.



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Coming to Curacao Elvis? I hope so

Nope....

I have a gig booked on Friday and am recording over the rest of the weekend.

I am sure going to miss seeing you though!



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I think KimmyKim is just a sore loser.

Nope, I am not flyingcroc.

Know what always amazes me? All the "retired" folks that have nothing better to do than come to the boards and piss with people. Shit if you've got so much time and energy why don't you come out with the latest and greatest credit card processing firm.
Talk is worthless, cash in hand is the only thing I want to talk about.


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I am not doing nothing. I am now doing adult business. Enuff said.

Hey I think everybody here is missing the point...Thug Cash is going to put everybody else out of business anyways.

Well except for Lensman, because us Thug Cash collectors will also double as the door to door internet eraser salesmen talked about in a previous thread.

All we have to do is say "You better buy and install this or we're going to email your boss, wife, pastor, banker etc etc your membership info to our one armed midget transexual live cam site"

Hey Gary, lemme know if you need any beta testers for the program )

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I didn't really say the things I said

Toolz you are just a tool...

Some people actually enjoy their work. I think flyingco is one of them...

I respect innovation 10x more than cash.

Well for that two things would have to happen.

First one is losing.

I didn't realize Fly was a Democrat either.

Fly

Innovation creates cash



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And that is why innvoation is the Mother of all cash? Smirk, that has just got to be corny.

Not gonna happen. The big loser would be the credit card companies. Believe me, they are NOT operating at a loss, and in fact the chargeback fines are probably a nice little profit center for them. The big threat is the credit card processor who is suing them over their chargeback fees. If that company wins, we may become less of a profit center and perhaps they might consider cutting porn loose. However, if you look at chargeback fees, it's hard to imagine that they represent mere processing costs. There is profit in there as well.

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Not my place to comment on what other companies are doing but I sincerely doubt that there is any way to win a suit against visa based on the I didnt do it premise, since quite simply Visa's consumer rules policies have changed and it wasn't yesterday.

See you guys on Tuesday