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crescentx · 06-22-2003, 05:38 PM

Psyko, I do see VISA's side...somewhat. But if we as adult merchants are held accountable for CB, then why not the customers? If VISA incurs a cost - which I plainly think is dubious, I do not see this meshing with allowing customers to cancel recurring billing by chargeback - then why not look at the customers and say - Joe Schmo used his card for $2800 in purchases in the past six months. But we've seen $75 in chargebacks he's initiated. That's 2.6% which is a little high. Maybe we need to keep a close eye on what he's doing? Hmmm...*lots* of internet activity - Amazon, CCBill, it's all mostly online. So this guy is obviously online in a pretty big way, and he has initiated three chargebacks. He's costing us money, and since it's obvious he's an active internet user, why is he sending us so many chargebacks? Sites that accept VISA are bound by pretty strict rules. We need to put him under review.

I've said until my face is blue: hold customers to the same standards as webmasters, I can accept that *IF* you give us real tools to fight fraud, like a way to even report it that gets looked at. We do so much to make sure webmasters and customers are legit, everything possible I think, that we deserve credit and backup. Without the support and input of VISA - and I will personally devote as much of my time as is necessary in a productive discussion with them to help - the whole online (not just adult) processing situation could have major problems. We're the experts about getting screwed and ways people can screw online merchants, our input is valuable, much more so than some consultant they might hire who is an AOL user. Pitting this as us versus VISA or MC is stupid, it benefits no one. Every innovation on the internet almost has originated in porn, why not this one? The future of all cc processing is online, adult or not, and we have the tools to help make it more secure and unlike offline merchants we bend over backwards to comply. Compared to brick and mortar merchants, for example, the number of places that violate VISA's basic rules over not having a minimum charge *offline* is staggering. Is it more secure for a minimum wage clerk to have my card number and toss it in the trash to be picked up by the garbageman? I don't think so. My 2c.

-doug

06-22-2003, 05:38 PM
crescentx Confirmed User Join Date: Jun 2003 Posts: 317	Psyko, I do see VISA's side...somewhat. But if we as adult merchants are held accountable for CB, then why not the customers? If VISA incurs a cost - which I plainly think is dubious, I do not see this meshing with allowing customers to cancel recurring billing by chargeback - then why not look at the customers and say - Joe Schmo used his card for $2800 in purchases in the past six months. But we've seen $75 in chargebacks he's initiated. That's 2.6% which is a little high. Maybe we need to keep a close eye on what he's doing? Hmmm...lots of internet activity - Amazon, CCBill, it's all mostly online. So this guy is obviously online in a pretty big way, and he has initiated three chargebacks. He's costing us money, and since it's obvious he's an active internet user, why is he sending us so many chargebacks? Sites that accept VISA are bound by pretty strict rules. We need to put him under review. I've said until my face is blue: hold customers to the same standards as webmasters, I can accept that IF you give us real tools to fight fraud, like a way to even report it that gets looked at. We do so much to make sure webmasters and customers are legit, everything possible I think, that we deserve credit and backup. Without the support and input of VISA - and I will personally devote as much of my time as is necessary in a productive discussion with them to help - the whole online (not just adult) processing situation could have major problems. We're the experts about getting screwed and ways people can screw online merchants, our input is valuable, much more so than some consultant they might hire who is an AOL user. Pitting this as us versus VISA or MC is stupid, it benefits no one. Every innovation on the internet almost has originated in porn, why not this one? The future of all cc processing is online, adult or not, and we have the tools to help make it more secure and unlike offline merchants we bend over backwards to comply. Compared to brick and mortar merchants, for example, the number of places that violate VISA's basic rules over not having a minimum charge offline is staggering. Is it more secure for a minimum wage clerk to have my card number and toss it in the trash to be picked up by the garbageman? I don't think so. My 2c. -doug __________________ XYCash International Gay Affiliate Program