Best Credit Card Processor?

We've been using iBill for about 3 years. Overall we are quite happy with iBill. We get better signups and longer retention than we did with Epoch or currently do with CCBill. They also have the best accounting interface, I've seen (or maybe I'm just accustomed to it). Their site is also easily integrated with our various monitoring scripts. Someone else mentioned that they take a 10% hold, you can get this lowered to 5% in time if your chargebacks/refunds are ok. They are not without their flaws however. As everyone is aware they've had some horrible downtime the last few months. The downtime is so frequent that I have a script checking their credit card pages every five minutes to make sure they're online. Their client services department isn't all it could be. In serveral instances, we've known more about iBill's systems and their current events (such as the aborted launch of check trials last month) than the people manning their phones. Their website is dreadfully outdated and incomplete, many of their more interesting features aren't mentioned. Having a good volume certainly helps get things done, but like almost anything else, knowing the right people to talk to for various issues helps even more.

We used to use Epoch as our secondary processor. We stopped using them when they had a problem paying out for a couple of months. Their signups were always bit lower than IBill's and their accounting system was severely lacking. Its been a long time since we used them but I don't remember having much luck with their support department. This all might have changed in the last couple of years.

CCBill is our current secondary processor. Unlike most of posters to this board, we are a bit disappointed with our performance with CCBill. Signups are signficantly lower and retention is a little lower. They do have fairly good customer support. It seems a bit easier to get them on the phone than iBill. We don't watch CCBill's uptime as closely as we do iBill, but I've never seen CCBill down.

Lately I've been speaking to WebSiteBilling, 2000Charge, and EBS-ag (a German company). We are likely going to be testing one or all of them in the near future. 2000Charge seems very small, which is both a good and a bad thing. Their CEO was taking sales calls. As far as I know, they're the only US company currently doing Euro and Korean billing. IBill and WebSiteBilling are both working on Euro billing but don't offer it yet. Unfortunately, 2000charge seems to have rates that are a bit on the high side. WebSiteBilling on the otherhand seems quite willing to undercut other companies rates to get business. WebSiteBilling also seems to have a fairly nice accounting interface.

Are there any other companies that are EXPERT's at all-around international billing?

Looking at all of the international webmasters that are on this board daily I know somebody here has to know a lot about this!
Let me know!

check out website billing we use them and havealways recieved
our payments on time

I'd give my left nut if CCBill would track referring urls!!!!!!!!!!!!!!!
PLEASE PLEASE PLEASE KIMMYKIM
Can you see what you can do about this?

I'm sure we can get a list of thousands of paysite owners and traffic pimps within a few days that want and NEED this info.

Make CCBILL shine over all the competition and give us reffering urls on clicks and signups.

Anybody know of any 3rd party processors doing this?
I haven't come across one yet.

BV that would be awesome

We had a script written that will let us see where the
signups are coming from. It helps our affiliates out alot



gotta run setting up the new lightspeedcash free host

ccbill is the absolute king shit of the world. :-) I dig it. they're fuckin awesome, always available, and always treat with with respect.

Not to mention the fact that they're always up, I've never experienced downtime with them, and their webmaster referral and revshare program is the best out there by far.

just my two cents.

Hey BV just to let you know that we (Websitebilling) does referer reporting...all you have to do is request it.

Send me an email and we will tell you more about it. [email protected]

It seems like the folks at CCBill are the nicest people to deal with. Nobody seems to have anything bad about dealing with them one to one.

Globill doesn't have the same warm & fuzzy feeling when it comes to their dealings but people are definitely raving about their service!

It all depends on what you want!

Where are all the people using new processing company's? Globill & CCBill are the giants of GFY! I'd hate to see the hot new upstarts not join in here to hawk their wares!

You guys know what Globill & CCBill offer, what do you other companies offer that would make them scared!
(This is an open call for DESCRIPTIVE spam from the companies)

You know what I think should be a measure of who is what? And whos opinion matters?

The simple fact of the matter is, if you are some gallery posting fucking lame ass who does 6 to 20 signups a week, your opinion on who is the best processor is about as worthless as a Canadian's opinion on what good music and tv is.

Your opinion is mute.

Going with only one processor is stupid anyway. You should have one primary and 2 secondary.

Fuckers.

This has been a very informative thread. We have been debating what billing companies to use for our own billing and I have always been satisfied with them and have been with them since the begining (theirs not ours). Anyway, my partner Buzz like Ibill, we pretty much rules out Globill because of the email thingy, but since that is an option we will seriuosly consider them.

What are the 2 easiest companies to use together? That might make a difference.

BTW, CCBILL throws the best parties, handsdown!

"Globill has their own board of support which i have seen and it's a unique characteristic. "

Their board is defiently very informative.

Im wondering the same thing.

Hi all,

Can you please post some nice galleries on mine site??

http://www.teenplanet.com/cgi-bin/brownie/submit.cgi

I'm searching also fo good teens site for trading traffic!!!

You can also contact me on the same url!!

Thank you!!!!!!

Greetings,

Sebastiaan

This Sebastian guy needs to be taught a lesson




Who has the lowest posted fees? I know they decrease when you increase in volume but just for the record...

WHICH COMPANY HAS THE LOWEST FEES FROM THE START FOR YOUR AVERAGE PAYSITE OWNER?


I put this question in bold so people aren't confused about this question. Mind you, the lowest fees don't always guarantee the best service but it's good to know things like this!

Let's keep this honesty going, it's helping a lot of people!

Actually KK, I do mean "WE". Unfortunately I wasn't exactly watching my grammar closely and I typed "they"...I dont think it's a big secret that I work for Websitebilling. However, for those that dont know. I am one of several Client Services Reps here.

As far as our hours of operation, we offer 24 hour customer service for your customers. Client Services is available immediately from 9am to 12am Monday - Thursday and 9am to 5pm on Fridays. In the event of an emergency, reps are available anytime day or night.


Thanks to those of you who support us.

Rick R.
[email protected]

You know the unwritten rule kimmy. Don't make me take out the gloves.

Hi Everyone...

For those of you who don't know me - I'm Eric, and I work in the Client Services dept at WebsiteBilling.com. So no -- Rick is not the entire support dept here -- although to be fair, he does an awful lot here

To answer a few questions...

Signup Emails -- You can add as much text or HTML to this as your heart desires (within reason) -- all through the administration interface.

Rebill Emails -- By default, we DO NOT send out emails notifying end-users they're about to be rebilled. However, it is an option you can enable in our package administration area -- but we leave that choice up to you.

Logos -- our system allows you to add a 160 x 120 logo to the transaction page. It's a pretty simple process -- as long as the logo is 160 x 120, they're shouldn't be a problem. In fact, you can do it yourself through our administration interface.

Transaction Page -- In addition to adding your logo as mentioned above, ou can change the background & text color to match your sites look and feel. Also, if you already have the end-users personal information, you can post their data to the page (with the exception of cc information). I'm sure it goes without saying, but if you're using your own merchant account, you can do pretty much anything to the transaction page

Referrer Tracking -- yes, this option is available -- <a href="mailto:[email protected]">ask us</a> for details.

Fraud Scrubbing -- We like to see CVV & AVS matches -- if it's a legitmate transaction, what's the problem with that? Also.. where rebills are concerned, the only decline you're likely to see is a bank decline -- and we'll even resubmit the transaction up to 3 times.

Subscription Management -- We can manage your subscribers, or you can do you it yourself -- it's up to you. If you want WebsiteBilling.com to handle subscriber management, we can work with virtually an OS out there. We have available -- at no charge -- a cgi script that interfaces seamlessly with .htaccess. Also, we are just now releasing a Windows version -- so you'll no longer need third party user authentication software on IIS.

Transaction Fees -- We offer an introductory rate of 11% per transaction, with a 5% 6 month reserve. This rate is valid for 90 days from the date of your signup. Our normal rate is 15%, which is heavily discounted based on volume.

Affiliate Program -- We offer a full-feature affiliate tracking program.

Partner Program - Our partner program pays YOU 1% of transactions generated as a result of webmaster referrals you send us.

Payment Methods Accepted -- Credit Cards, Online Checks, & 900

Payout Methods -- We pay weekly via Checks (free), ACH Direct Deposit (free), or Wire Transfer

Parties -- ok... so parties aren't really a feature of our billing system... but everyone here sure does seem to like them. Since the August 2002 InterNEXT will be in our hometown, I think we'll be giving someone a run for their money, when it comes to who throws the best parties ;)

Did I leave anything out?

Websitebilling has been giving reffering urls on signups for quite a while. Our database stores it and we enable that feature on a per client basis. We are known for our advanced technology.

When people are asked why are they still using them its often the same answer...cause they're the biggest. Large marketing budgets usually account for the brand name recognition of these companies. Websitebilling has grown solely on word of mouth and that is due most in part to our superior technology. We also pay everyone weekly, no matter the volume with a standard 5% holdback. This year we expect to hit the 100 million mark for the first time. Not as big as the big 2 but we are getting there. We are only now beginning to market aggressively. We currently employ 32 people. Hope this helps.

Hey sleepy , why dont you give me your url so I can check into your problem. We give out our client reps mobile phone numbers to all our webmasters. It very hard to believe that you went from 20 signups to 1. Im afraid our company would not exist if that were the case. I will give you the benefit of the doubt though and check your history with us so we can give an accurate account of what may have been your dilema. Your url would suffice. thanx

Hahaha, you guys kill me! Hilarious and good to see you have a sense of humor! ))

BV -- we're working on it, it may even be in the new referral system that's in dev now.

willow -- CCBill is not owned pretty much by Cavecreek. We're the same company. There are no outside investors, we are completely debt free and have been from the beginning We've never been on monitoring, never been fined, etc. Our cb rate is well below the threshhold for trouble but not so low that we are turning away good sales. The basics of managing a merchant account are complex, but it stands to reason that if your cb's are TOO low you are turning down valid sales. The other side of that coin is if they are too close to the max, you'd be in trouble quick if Visa/MC lowered the maximums without warning (which has been known to happen).

snow -- Jettis is fine, more than fine. Ken and Kjell run a tight ship over there and I'd trust them with my money. I know them well, used to work with them when I was at Cashquest.

Is that Rick from IBILL CS?

About Globill....

How long have they been doing transactions for... 6 mo. 1 year, 3 years???

Any big webmaster programs using them?

What is their backup if they lose their merchant due to high chargebacks... do we lose all rebills?


thanks

Reverse those hours.. Give your webmasters 24 hour support and our members 9AM to 12AM. Without 24 hour support for the webmasters your service is no service at all. IT NEVER FAILS ! Everytime something goes wrong its on a Holiday or 2:00 AM. The last time I had a billing problem it was on Easter Sunday.

Nobody wants Ricks cell phone number, webmasters want a tech sitting in front a computer with the tools to repair the problem immediately. Dont piss your money away on booths at the show, use it for tech support.

Is this option available for myself as well as my "partner webmasters"?

Is it real time?

I think that they are talking about me: Rick from Websitebilling.com

Thank you Kimmy...I wanted some more added opinion on Jettis... I guess i will try them on Secondary...CCBILL has great support so far besides My rep is a cutie

I assume you mean your affiliates...? The data is really only available to you, but we do record the referring URLs on all sales -- including those generated by your affiliates.

Our interface currently does not display this information... the easiest way for you to retrieve this is by obtaining a "<a href="http://www.websitebilling.com/library-transdump.html">database dump</a>".

And yes... it is real time -- as is our entire billing system

Absolutely snow, they're a good bunch of guys -- [email protected] should do the trick for someone to talk to over there about getting a setup

Eric H, Rickrod99 & Maximus From Website Billing are some cool dudes!

These are the kind of responses I was talking about. Website Billing is new but they weren't afraid to come on here and give a detailed breakdown of what they offer and why they might be better.

From the looks of it Website Billing has a pretty damn good service. And some cool people.

I'm sure as a result of those guys coming on here, 1000 people will check out their services by tomorrow! I know I will!

Are they the only new company with the courage to put their balls on the table? We'll see...

In the meantime check these guys out
Http://www.websitebilling.com

Uhhh, okay. CCBill is owned by the same people who own Cavecreek hosting then, and they still get lots of contacts and cash from it. The difference to webmasters is....?

Your chargeback rate is hardly well below the rate at which you get into trouble, go up 1% CDC and see how much trouble you get into. That's just one USA citizen in 100 more saying, "Nah, don't think I'll pay my bill!"*. I know this because the limit IS 1%. That's how messed up this industry is. I'm not picking a fight here, I do respect CCBill for being under the ratio, that is why I understand you scrub a little harder than some others. I personally think that's a good thing as long as it's balanced.

Heaven help even you if you stop growing for a few months though. Even the biggest can crack.

* Not taking the international watering down effect into account which is still horriffic at 2.5%

Does anyone accept American Express?

Anyone?

What about european and asian cards?

Now THATS how nasty rumors get started !!

( I know, but I just couldnt resist )

I have used CCbill since Mid 1999. I was customer #1078 with them so you can see I have been with them almost since they first started out.

If I have ever had a problem with them (which BTW is rare) it is always resolved quickly either on the phone or via email.

Payments are always ontime and without any complications. I would highly reccomend them to anyone looking for a reliable processor.

None of the large billing companies accept Switch or Solo cards, which is very fucked up.

Switch has 20 million card holders, Solo has 6 million card holders. I use my Switch card a lot. ;)



From their site, annual value of Switch transactions was £38,207,000,000 ($56,164,290,000) in 2000 and a single given quater in 2001 was worth £20,857,000,000 ... at that rate 2001 would have been worth £83,428,000,000 - or $122,639,160,000.
Well the billing companies don't accept those cards...

I guess I deserved that. I just wanted to balance it all up a bit because despite Kimmy informing us how expert they are at managing the complex basics, ANYONE can get fucked by Visa, even CCBill. It doesn't even take a mistake, just some idiots flying planes into buildings. Ask the travel industry.

LOL.. Willow has a sense of humor afterall !
Im warning you.. if you start to remind me of myself Im going hate you

122.6 Billion dollars!!!!

We all know that if 122 billion daollars was spent with credit cards we should be able to earmark at least 500 million for us! The only problem is we can't accept these cards!

Kimmy, RickRod99, Globill folks... can you do something about this?
Do you guys have something planned to handle this in the future?

Any card processors out there that are able to handle these cards as well as some other foreign cards?

With those kind of figures we are missing out on a ton of money!

Please, Please, Please, if anyone out there knows the name of foreign processors to use as backups or Stateside companies that already have these services available please let us know!

I have been using ccbill and I am satisfied. I originally chose Ibill but they made me go through more bullshit to sign up than ccbill so I chose them because it was easier. Thank God I did that.

CCbill can dominate the industry if they can figure out a profitable way to offer 900 number and dialer billing. I have surfers begging me for another payment option and I'm not about to have people mailing me money physically.

Their revshare program is solid also.

Have faith guys -- it's all in the works. I think most of the bigger processors are looking into these additional payment options... keep in mind adding new payment methods without creating a complex and bloated billing system is not an easy task - so these things do take a bit of time.

I don't have any specific details yet - as soon as I know more, you will too

willow,

It's unfortunate that you are managing our business for us now, since you seem to think you know exactly what our set up is, and your way would penalize alot of unfortunate customers. As to our being debt free and privately owned, well yes, that does have some bearing on webmasters. We have no non adult investors or directors who may or may not have a clue how adult internet works, so we are free to operate in the manner that best suits our clients. Not a situation I'm going to argue about since I do know how we are set up and how we run our business.

BVF -- we don't do phone billing, in the form of dialers or web900 since there is no clear age verification. We are working with one of the dialer companies to offer a solution at competitive rates, and as soon as the details are done, we'll have it on our stats pages for our clients to take a look at.


Regarding alternative methods of billing for foreign surfers, we are looking into it -- these things never come quickly due to all the different countries banking regulations and the enormous security involved in the programming to accept new forms of payment, not to mention currency conversions, etc.

I have used CCBill from the beginning and I'm satisfied with everything. Haven't tried others since there is nothing I would like to change. Although I think their scrubbing is a bit too thorough...

The one thing we don't like about these boards is that someone posting (me included) has no way to qualify their answer. So one respondent could be a big guy in a gig company or joe shit the ragman or a competitor of the company out to trash them - I have no way of knowing.

My sites use websitebilling.com. I have had zero problems with them. Sure their fraud scrub is tight but I don't want charge backs any more than they do - chargebacks cost me $.

Their tech/cust support is the best we're dealt with. I've spoken with Rick, Eric and Jeff - depending on when I call. Their answers are what I want - I'm not paying them to be my friends just to solve my problem and they do that. That's all I'm interested in.

Someone else said that they're a nice bunch of guys over at WSB and I agree - they treat us right.

And that's my 2 cents.

I do work at CCBill, wallstreet -- I don't make any secret of it, and I don't think that any of the others do either, like the guys from wsb --

Our answers generally tend to run to letting people know what we can and can't do, and what we offer.

It's up to the people using any of our services to say what they like and dislike about them.

There's no one processor that's going to be the best for everyone -- if that was the case there would only be one processor. ;)

We all have our strengths, and our weaknesses, hopefully the accessibility factor of those who do post on the boards counts for us and not against us, no matter the company

You might be surprised by what I know about CCBill. I do know that you play by the same rules everyone else does who has a classified high risk merchant account.

More to the point I'm disappointed by your attitude on a public forum where you are supposed to represent your company. Thank goodness I'm also privvy to the information that CCBill can do better than this. I merely laid out what I believe to be facts. I didn't tell you how to run your business. I merely pointed out the fact that nobody is bulletproof. I never once said that CCBill did anything wrong, my point is that you don't have to with Visa.

One thing I am unclear about. Your posiition at CCBill. Are you some client services rep. who thinks they know the high level politics of the company or do you actually get to use that attitude for something useful there?

Get the popcorn out folks, this should be good.....

KK is the VP you twit.

Now bow down and start kissing ass.

Regardless of whether she is high ranking or not she is;

1. An actual employee

2. An employeee that has stated enough facts about the company to actually help people find out some of the things we wanted to know

3. A person that is obviously willing to help her clients.


Wall Street, with the exception of some user testimonials, the only people that actually work for the companies are Kimmy Kim from CCBill and the 3 Horsemen from Website Billing (Eric H, Rickrod99 & Maximus, you know them)

I seriously doubt that a great deal of the user testimonials are faked. There have been a couple of people with problems with some of the companies (& people?!?) but who knows whether or not they are justified. Whatever we can get from any post helps... especially newbies. They can lean something from any post! That's always good however it happens.

So far what we have seen are the two standards CCBill and Globill have been represented well (by users & employees) which is no surprise. The hot relative newcomer, Website Billing, has shown why they are in the starting lineup.

Anyone have any comments on the other companies that have been posted on this board...

Jettis?

Ha ha. That's even worse. The VP spends this much time on this board slagging off their own clients without knowing it half the time. That's really very very funny and actually kind of sad that that's the attitude.

I need say nothing more then. There is an **cough** authoritive voice here who can explain why CCBill is better.

4. Rude to people who were otherwise trying to pay her a compliment.

KK will verbally disembowel you.

Slagging off their own clients? Now that is utter horseshit. I have never seen anyone in her position more willing to help than KK.