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Barefootsies

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#1

Your Sales Off? Mystery Solved.

10-13-2009, 03:10 PM

Nabbed this gem from Tony404....

Since September 2008, there are 88 million fewer credit card accounts, and credit lines have been reduced by $751 billion. However, delinquency rates are the highest they have been in five years, with 4.36 percent of bankcard accounts more than 60 days late in September, up from 3.39 percent a year ago and 2.8 percent in September 2007.

http://atlanta.bizjournals.com/atlan...l?surround=lfn

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#2

10-13-2009, 03:13 PM

Not for me, sales up, thanks to google for the free traffic.
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#3

10-13-2009, 03:13 PM

It's all those goddamn TGPs giving everything away for free...

“I have the simplest tastes. I am always satisfied with the best.” -Oscar Wilde
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Barefootsies

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#4

10-13-2009, 03:15 PM

Originally posted by munki

It's all those goddamn TGPs giving everything away for free...

See da sig . . .

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#5

10-13-2009, 03:50 PM

Originally posted by munki

It's all those goddamn TGPs giving everything away for free...

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Barefootsies

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#6

10-13-2009, 03:59 PM

Originally posted by PXN

Not for me, sales up, thanks to google for the free traffic.

Agreed.

Sales up on some things, down on others. Like DVD. Clip store sales still steady.

That said, sure. I do some things different then I did in say... 2006, 2007. However, you have to always be evolving. I never worked only 1-2 hours a day. So it is not like I went from working 1 hour to 18 to maintain same money or growth.

I have investing in my sites, content, and platforms. More automation and greater efficiency. So where I save time on one thing with a new script, automation, faster internet or better infrastructure.... that time saving is basically gobbled up by something else.

So I am still working around a half day, sometimes more, and weekend's off. Unless I am working on a new site, project, or helping a client. You just have to invest in time savers, and keep rolling with the punches.

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#7

10-13-2009, 04:00 PM

Originally posted by munki

It's all those goddamn TGPs giving everything away for free...

Right on, bro! We all need to stop this trend and switch to TGP2 now! Who's with me?

Unvaxxed, still alive.
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IllTestYourGirls

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#8

10-13-2009, 04:06 PM

Declines are up 300/400% that also has a roll.
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Barefootsies

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#9

10-13-2009, 04:07 PM

Originally posted by escorpio

Right on, bro! We all need to stop this trend and switch to TGP2 now! Who's with me?

Originally posted by IllTestYourGirls

Declines are up 300/400% that also has a roll.

Oh yeah. Big time. I see it more on my CCB, especially rebills, then with my Verotel or Zombaio. However, I see plenty of declines on Zombaio's admin as well.

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#10

10-13-2009, 04:07 PM

Well...since most people use debit cards and debit cards are all VISA...nope. I know that personally my two REAL credit cards are both American Express Business Platinum cards. As is the case with most people....we use our bank debit cards for a visa credit card. So I haven't seen anything like that. Everybody has a bank debit card. And they are Visa. As we all know...we can't take AMEX anyway.
Credit lines are meaningless with a debit card in your hand. All you have to do is have 30 bucks in the bank.

Last edited by Robbie; 10-13-2009, 04:08 PM.

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#11

10-13-2009, 04:13 PM

Originally posted by Robbie

Well...since most people use debit cards and debit cards are all VISA...nope. I know that personally my two REAL credit cards are both American Express Business Platinum cards. As is the case with most people....we use our bank debit cards for a visa credit card. So I haven't seen anything like that. Everybody has a bank debit card. And they are Visa. As we all know...we can't take AMEX anyway.
Credit lines are meaningless with a debit card in your hand. All you have to do is have 30 bucks in the bank.

Do rebills work with debit cards? It doesn't work that way in Canada. We can't use our bank debit cards to buy stuff online.

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#12

10-13-2009, 04:16 PM

does anybody have any facts re: debit cards v. credit cards usage? i know the security measures of a credit card are superior to debit cards and would think that would be a good reason for many people to use it instead of a debit card.
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#13

10-13-2009, 04:17 PM

Originally posted by Robbie

Well...since most people use debit cards and debit cards are all VISA...nope. I know that personally my two REAL credit cards are both American Express Business Platinum cards. As is the case with most people....we use our bank debit cards for a visa credit card. So I haven't seen anything like that. Everybody has a bank debit card. And they are Visa. As we all know...we can't take AMEX anyway.
Credit lines are meaningless with a debit card in your hand. All you have to do is have 30 bucks in the bank.

Ive heard a lot of banks are rejecting porn processors like ccbill. Thus a large amount of declines.
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#14

10-13-2009, 04:20 PM

the internet economy could still explode some year in the future if an easier way to pay ever came about, like if all of the population's bank accounts and debit cards were automatically accessible to buy stuff on the net

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#15

10-13-2009, 04:22 PM

Debit cards work just like a credit card for rebills. And no, banks aren't rejecting any processors like CC Bill. If it's legal you can buy it. You are confusing the fact that some banks don't want you to bank with them if you are IN the porn biz.

You can use your debit card EXACTLY like a credit card except the limit is what is in your bank account.

And I can tell you right now...I can't think of one person I know who has a "real" visa card off the top of my head. Everybody has a Visa debit card with their bank already. The only "real" credit cards that the folks I know carry are AMEX and that's because of the points. Why on Earth would you want to get an extra VISA and pay extra?

So no...the majority of porn sales are done on Visa debit cards. Every person in the United States that has a bank account has a Visa debit card. You do the math...

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#16

10-13-2009, 04:26 PM

I love it when Robbie chimes in. Breaking out da knowledge.

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#17

10-13-2009, 04:32 PM

Originally posted by escorpio

Right on, bro! We all need to stop this trend and switch to TGP2 now! Who's with me?

ahhh the tgp2 days. those were fun days

too bad it never caught on
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IllTestYourGirls

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#18

10-13-2009, 04:34 PM

Originally posted by Robbie

Debit cards work just like a credit card for rebills. And no, banks aren't rejecting any processors like CC Bill. If it's legal you can buy it. You are confusing the fact that some banks don't want you to bank with them if you are IN the porn biz.

You can use your debit card EXACTLY like a credit card except the limit is what is in your bank account.

And I can tell you right now...I can't think of one person I know who has a "real" visa card off the top of my head. Everybody has a Visa debit card with their bank already. The only "real" credit cards that the folks I know carry are AMEX and that's because of the points. Why on Earth would you want to get an extra VISA and pay extra?

So no...the majority of porn sales are done on Visa debit cards. Every person in the United States that has a bank account has a Visa debit card. You do the math...

Banks can reject high risk transactions. Im just repeating what other bigger program owners have said at "the other board"
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#19

10-13-2009, 04:34 PM

Originally posted by Robbie

Well...since most people use debit cards and debit cards are all VISA...nope.

funny I have 3 debit cards and they all say Mastercard on them
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#20

10-13-2009, 04:37 PM

Originally posted by Forest

funny I have 3 debit cards and they all say Mastercard on them

in Canada, most debit cards don't have a credit card on it, they are usually separate cards... not sure about how Europe does it now

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#21

10-13-2009, 04:37 PM

Originally posted by Forest

funny I have 3 debit cards and they all say Mastercard on them

ha really? Ive never seen one!
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#22

10-13-2009, 04:38 PM

Originally posted by IllTestYourGirls

Banks can reject high risk transactions. Im just repeating what other bigger program owners have said at "the other board"

I know that banks do turn them down.

I have had some transactions that will not clear one card or the other. Some will not clear my credit/debit cards, and others will not clear my traditional credit cards. This can be anything from international scripts, software, content or sign ups.

As Robbie said, I do not think U.S. based banks are going to be mass denying a CCB or know processors. However, in this economy and all the cracking down on 'high risk' transactions, and card holders. Anything is possible.

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#23

10-13-2009, 04:40 PM

Originally posted by IllTestYourGirls

ha really? Ive never seen one!

Really? Wow.

My credit union's bank cards are all MC. My straight credit card, and my debit credit. My normal credit cards (Citi, Chase, etc.), and my other bank's credit debit are all VISA.

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#24

10-13-2009, 04:40 PM

i have a capital one visa card and get cash back on purchases
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IllTestYourGirls

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#25

10-13-2009, 04:42 PM

Originally posted by Barefootsies

Really? Wow.

My credit union's bank cards are all MC. My straight credit card, and my debit credit. My normal credit cards (Citi, Chase, etc.), and my other bank's credit debit are all VISA.

Yeah all mine have been visa for as long as I can remember. Same with my gals.
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#26

10-13-2009, 04:45 PM

yea, it's one of many reasons

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Barefootsies

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#27

10-13-2009, 04:45 PM

Originally posted by IllTestYourGirls

Yeah all mine have been visa for as long as I can remember. Same with my gals.

Interesting.

I think I only had one MC ever, now that you mention it, before switched to a credit union. I had gotten tired of being nickel and dimed by my traditional bank so I moved a lot of my business accounts, savings, and one personal over to a credit union. All their cards are MC.

But as I said before, I still have a main bank, and major credit cards, and those are all VISA cards. Guess I really never paid that much attention before.

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#28

10-13-2009, 04:49 PM

Originally posted by IllTestYourGirls

ha really? Ive never seen one!

i just checked and actually all 5 of my debit cards are MC

my 2 credit cards are visa
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#29

10-13-2009, 05:24 PM

wow interesting

see da sig
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#30

10-13-2009, 05:30 PM

Yeah, I remember seeing those "check cards" when I was living in the States. In Canada the cards are still separate: debit for POS and credit for online purchases. Canadian banks and credit unions all offer their own Visa and/or Mastercard cards, but they are JUST credit cards.

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#31

10-13-2009, 05:45 PM

Originally posted by Forest

funny I have 3 debit cards and they all say Mastercard on them

Originally posted by IllTestYourGirls

ha really? Ive never seen one!

Originally posted by Forest

i just checked and actually all 5 of my debit cards are MC

my 2 credit cards are visa

3 of the 4 debit cards in my wallet say MasterCard on them also.
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#32

10-13-2009, 06:01 PM

I have a mastercard and 2 visa cards, in addition to the debit cards for my personal and business accounts..

Originally posted by Robbie

I can't think of one person I know who has a "real" visa\\ card off the top of my head. ...

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#33

10-13-2009, 06:05 PM

What banks are the ones with MasterCard? I've had 4 banks over the last 8 years. Bank Of America, South Carolina Bank And Trust, Sun Bank, and now Wells Fargo. They are all Visa debit cards.

Heck I didn't even know anybody used a Master Card. heh-heh

But back to the topic...I've never had ANY transaction for anything "declined" with a debit card. It's my money in my bank account. I'm not sure how me spending my own money could be a "high risk" transaction. That doesn't even make sense to me in any way at all. Nobody is at "risk" for losing anything.

Of course I've had the bank call me when I've made purchases over 5 grand before to make sure it was really me using my card. But for a $29.99 sale? Never.

I was just looking at my bank statement and I'm using my debit card every month for $17,000.00 + Nothing ever "declined". Again, I would have to say I'm not sure that as long as you have money in the bank to back it up that it CAN be declined. It's your own money in your account. Not the banks, and nobody is lending it. It's yours already to spend any way you choose.

I use mine for drinks and getting cash out of the ATM at the strip clubs here in Vegas all the time. I would think if they were going to try and be "moralistic" with MY money they would try that shit one time when they see those transactions. And I say "one time" because my money would be gone from their bank the first time they tried that shit.

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#34

10-13-2009, 06:07 PM

Originally posted by venus

I have a mastercard and 2 visa cards, in addition to the debit cards for my personal and business accounts..

Well damn...let's go out this weekend here in Vegas and give those cards a good workout!

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#35

10-13-2009, 06:19 PM

Yo Venus, I just signed up for your affiliate program. I need some more things to work with than just banners.

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#36

10-13-2009, 06:29 PM

The fact that a lot of credit card companies dropped their clients limit to their current balance has to have an effect... I've never seen rebill declines like I have in the last few months.
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#37

10-13-2009, 06:30 PM

Everyone is getting laid now with the abundance of dating sites. Even the fat ones. Nobody needs porn anymore

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#38

10-13-2009, 06:30 PM

pimpin ... but ccbill sucks ass, so ccbill is hacked?
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#39

10-13-2009, 06:44 PM

Originally posted by fuzebox

The fact that a lot of credit card companies dropped their clients limit to their current balance has to have an effect... I've never seen rebill declines like I have in the last few months.

I don't see many declines at all in new sales. 99% of our declines are in rebills. And my guess it that the majority of those are from expiration date changes.

I've seen a few guys on here say that can be dealt with now. But the only guy I know for a fact that does it successfully is Bode over at FlyingCroc/moneytree He told me that they have a script that if a member declines...the first thing the script does is check the exp. date on the card. If it expired then they simply run it again a few times with the next few years in the year slot. Since cards are only good for a few years it's easy to hit the right year and boom...sale.

But Shawn IS his own billing processor. Not just merchant account but billing processor as well. So my only guess would be that the billing processor would have to implement that for it to work on other things. I'm not even sure if a gateway like Netbilling could do that or not. But I'm pretty sure CC Bill could, if they've given it any thought at all.

Anyway, that's the only 100% confirmed case of stopping the exp. date decline that I am aware of. Everything else I've heard is just that...hearsay.

So if anybody from a billing company and/or processor would like to step in here and explain that it would be very appreciated.

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#40

10-13-2009, 06:45 PM

Originally posted by Robbie

What banks are the ones with MasterCard?

3 are national banks USAA and WAMU (Chase) 2 are a local credit union
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#41

10-13-2009, 06:49 PM

Originally posted by Forest

3 are national banks USAA and WAMU (Chase) 2 are a local credit union

That's strange that WAMU would use MC. The very first "real" credit card (not debit) I ever had was with Washington Mutual and it's a VISA. Hell I think I still have it sitting in my sock drawer in my bedroom. Fucking rate on it was astronomical so I stopped using it a long time ago.

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#42

10-13-2009, 06:53 PM

Originally posted by Robbie

That's strange that WAMU would use MC. The very first "real" credit card (not debit) I ever had was with Washington Mutual and it's a VISA. Hell I think I still have it sitting in my sock drawer in my bedroom. Fucking rate on it was astronomical so I stopped using it a long time ago.

A lot of those companies give you a choice.

I know when I signed up for my major credit cards. I was offered choice of VISA or MC. After getting the one card, I would routinely get offers to open up another. So for example, if I had a VISA, I would get an offer for a MC.

Most card companies limit you to two cards with them. Which is typically fine. Unless you use an HSBC. They have their fingers in a lot of pies.

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#43

10-13-2009, 07:03 PM

Originally posted by Barefootsies

A lot of those companies give you a choice.

I know when I signed up for my major credit cards. I was offered choice of VISA or MC. After getting the one card, I would routinely get offers to open up another. So for example, if I had a VISA, I would get an offer for a MC.

Most card companies limit you to two cards with them. Which is typically fine. Unless you use an HSBC. They have their fingers in a lot of pies.

Hmmm...I did not know that. Now that you mention it...I probably have gotten MC offers from them. But you know how it is after you've already gotten yourself situated all those new offers go unopened right into the garbage can.

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#44

10-13-2009, 07:05 PM

Originally posted by Robbie

What banks are the ones with MasterCard? I've had 4 banks over the last 8 years. Bank Of America, South Carolina Bank And Trust, Sun Bank, and now Wells Fargo. They are all Visa debit cards.

Heck I didn't even know anybody used a Master Card. heh-heh

But back to the topic...I've never had ANY transaction for anything "declined" with a debit card. It's my money in my bank account. I'm not sure how me spending my own money could be a "high risk" transaction. That doesn't even make sense to me in any way at all. Nobody is at "risk" for losing anything.

I have seen both MC and Visa debit cards. Sort of regional almost but I at first thought like you. They do own roughly 30-40% of the market though.

As for banks declining stuff, mine sure in the hell has. Others have said the same as well. Shortly after banks deadline passed on the patriot act and the know your customer stuff. My bank flat out refused ALL transactions with epassporte. It is why I stopped using them and turned down a couple hundred a week of free money doing conversions with people. They will not send nor receive their wires, their ACH requests, or any load attempts via my debit cards.
Oh this was also after the US anti gambling laws passed as well, to help nail down the timeline.

Originally posted by katharos

pimpin ... but ccbill sucks ass, so ccbill is hacked?

Hey fucktard, already tired of your retarded ass being the dog shit stuck to peoples shoes around here. Now I will do my fucking best to fuck with you to boot.

Now what makes you think ccbill was hacked? I mean you did add a question mark but that sentance is in no way a question but a general attack.

Got any proof?

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#45

10-13-2009, 07:13 PM

Originally posted by After Shock Media

I have seen both MC and Visa debit cards. Sort of regional almost but I at first thought like you. They do own roughly 30-40% of the market though.

As for banks declining stuff, mine sure in the hell has. Others have said the same as well. Shortly after banks deadline passed on the patriot act and the know your customer stuff. My bank flat out refused ALL transactions with epassporte. It is why I stopped using them and turned down a couple hundred a week of free money doing conversions with people. They will not send nor receive their wires, their ACH requests, or any load attempts via my debit cards.
Oh this was also after the US anti gambling laws passed as well, to help nail down the timeline.

The gambling thing was why I said "legal"

As for epass...that's pretty strange. You're the first guy I ever heard say that. Of course I gave up trying to load or get money into my bank from my epass account YEARS ago.

When I changed from SCBT to Suntrust Bank I jumped through the epass hoops and tried to get my new bank account added to epass. They did the little thing where they send a few pennies to your bank in two separate transactions and you verify the amount.

Well, the few cents never showed up at my bank. I checked my account everyday online and it never got there. And then the fucking stupid ass epass won't let you "cancel" that one to try again. So 3 years and two banks later....I haven't been able to get my epass account linked to my bank account.

So I stopped using them except for paying a couple of services online (like removeyourcontent.com, etc.) I just have a few of my smaller affiliate accounts paid to my epass so I never have to load it or unload it. The extra few hundred bucks in it each month I just take out with my epass card at an ATM and use it for fun on the weekends.

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#46

10-13-2009, 08:00 PM

Originally posted by escorpio

Right on, bro! We all need to stop this trend and switch to TGP2 now! Who's with me?

Whoa there shady... before you know it, you'll want to invent blind skimming or something..

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#47

10-13-2009, 08:19 PM

Originally posted by Robbie

That's strange that WAMU would use MC. The very first "real" credit card (not debit) I ever had was with Washington Mutual and it's a VISA. Hell I think I still have it sitting in my sock drawer in my bedroom. Fucking rate on it was astronomical so I stopped using it a long time ago.

My WaMu debit card was a mastercard, and my new replacement Chase card is also.
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Robbie

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#48

10-13-2009, 08:40 PM

Originally posted by fuzebox

My WaMu debit card was a mastercard, and my new replacement Chase card is also.

MasterCard is apparently taking over the debit card biz!

-Robbie
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sicone

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#49

10-13-2009, 08:55 PM

Originally posted by Robbie

Debit cards work just like a credit card for rebills. And no, banks aren't rejecting any processors like CC Bill....

How Wrong You Are

I attempted to make a online purchase a week ago with my MASTER CARD debit card (Not all are visa as you claim) and I was denied. The transaction was through a CCBill acct but was non adult. I then tried the same transaction through the companies Pay Pal link and had no problems.

When I contacted my bank to inquire as to the reason, I was told that certain processors were being blocked/flagged by their internal fraud dept.
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papagmp

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#50

10-13-2009, 08:56 PM

I haven't carried anything but a VISA debit card in years.

My old bank limited debit card charges to US merchants only - I found this out the hard way when I tried to pick up my rental car at the Frankfurt airport. Good thing I have a Euro account too - oh, and it uses a Mastercard debit/check card. Needles to say, I switched banks as soon as I got home. My current VISA debit card is accepted world wide.

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