Check Transactions - How to reduce refunds? - GoFuckYourself.com - Adult Webmaster Forum

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christianrod30

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#1

Check Transactions - How to reduce refunds?

03-18-2004, 03:28 PM

I've been noticing an increasly payment through check transactions in my web site. However the mother fuckers sign up download the content and then chargeback the checks or issue wrong checks.

I've been using only CCBill for this transactions and the rate is high. On the other hand CC chargeback ratio is nearly 0;

Do u think check transaction is a bad option?

Thanks

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notjoe

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#2

03-18-2004, 03:48 PM

Check out http://www.probilling.com .. i never had any of them come back on me, out of the 50 or so i may have accepted.
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CCBill Paul

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#3

03-19-2004, 04:33 AM

christianrod30;

We have some new features in place that I believe would help your situation. Hit me up and I'll be happy to explain them to you.

-Paul
i c q 248615940
clientsupport at ccbill dot com

Paulk @ CCBill.com | icq 248615940
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tony286

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#4

03-19-2004, 06:03 AM

achdebit all the way, I was using my third party processor for checks and I wasnt seeing any money . With achdebit I get steady checks and they have collections so they go after them.
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Gasper
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#5

03-19-2004, 06:23 AM

Simple: Disable it
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Petr

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#6

03-19-2004, 06:25 AM

Originally posted by tony404
achdebit all the way, I was using my third party processor for checks and I wasnt seeing any money . With achdebit I get steady checks and they have collections so they go after them.

yep, http://www.achdebit.com is the best solution for accepting checks
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emmanuelle

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#7

03-19-2004, 07:20 AM

I dont understand the purpose of accepting checks. If a guy has a US checking account, does he not have a debit or check card which can be used online like a credit card?

When we were accepting checks, over 70% bounced. It seems that people know that they can get away with it online, whereas in the real world they would risk going to jail.
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mmaisonet

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#8

03-19-2004, 08:09 AM

What you don't know about checks is that there is no way to match the person to the aba and routing #. Yes the system checks to see if the account is valid. No, they don't match fields like in a cc transaction.

Of course, then you have to deal with those transactions that do go through and are being billed through 3rd party which then result in revokes.

My suggestion, disable checks. It's a #'s game. They never result in more than 10 or 15% of volume anyway. And of that, you may have about 50% revokes. Which leaves you with about 5 to 7%.

Ask yourself, is it worth it?

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TekayRoyal

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#9

03-19-2004, 08:13 AM

this sounds like a headache you should avoid all together
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Desperate Andy

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#10

03-19-2004, 08:25 AM

Originally posted by emmanuelle
I dont understand the purpose of accepting checks. If a guy has a US checking account, does he not have a debit or check card which can be used online like a credit card?

Some of these customers probably don't want to use their CC online, because they're afraid of possible fraud. For other customers paying by check is a matter of habit.

Originally posted by emmanuelle

When we were accepting checks, over 70% bounced. It seems that people know that they can get away with it online, whereas in the real world they would risk going to jail.

Yes, the % of revokes is high with ibill/ccbill. I hope they will find the best solution with checks in future.

2all: Many guys recommend achdebit.com for checks processing. What is the difference of their check charging procedure in comparison with processors with high percent of revokes?

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Gunni

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#11

03-19-2004, 08:27 AM

direct debit is the way to go, and America should adapt their system to the European IBAN, that is a pretty cool system!
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Doctor Dre

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#12

03-19-2004, 08:28 AM

Originally posted by christianrod30
I've been noticing an increasly payment through check transactions in my web site. However the mother fuckers sign up download the content and then chargeback the checks or issue wrong checks.

I've been using only CCBill for this transactions and the rate is high. On the other hand CC chargeback ratio is nearly 0;

Do u think check transaction is a bad option?

Thanks

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Roxxy

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#13

03-19-2004, 08:36 AM

Originally posted by Gasper
Simple: Disable it

Not use checks??!!! That's just silly... why on earth would you leave money on the table??!!!

---

christianrod30,

ACHdebit.com is what your looking for. These guys are the best in the biz for checks, and are stand up guys too.
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mmaisonet

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#14

03-19-2004, 10:23 AM

2all: Many guys recommend achdebit.com for checks processing. What is the difference of their check charging procedure in comparison with processors with high percent of revokes?

None....

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Desperate Andy

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#15

03-19-2004, 03:51 PM

Originally posted by mmaisonet
2all: Many guys recommend achdebit.com for checks processing. What is the difference of their check charging procedure in comparison with processors with high percent of revokes?

None....

Ok. And what do they make to get rid of fraudulent transactions, if they can't charge check account instantly?

I can't understand, why ibill or ccbill can't use the same methods.

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latinasojourn

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#16

03-19-2004, 10:43 PM

netbilling for checking is OK, good fraud control, about 60% attempts fail due to fraud.

ccbill is horrible for checking.

ibill is horrible for checking.

a few months ago ibill wrote to webmasters saying that they had tightened fraud controls, so we put ibill checking back on all the paysites.

lesson learned, ibill has not got fraud under control. we're taking all ibill checking links down tomorrow.

netbilling is the only one we've used that can control the fraud, don't know why they can do it and ccbill and ibill cannot.
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