URGENT! Help me take credit cards!

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  • erotichorror
    Registered User
    • Oct 2003
    • 11

    #1

    URGENT! Help me take credit cards!

    My question is, I have to go with an offshore or third party biller, so do you guys know anything about these companies?

    1) Small Merchant Services (SMS): Third party biller, $50 set up fee, 6.90% +$1, 10% 6 mo. rolling reserve, paid out weekly (after first week) by check. No other fees, no minimums. http://www.smallms.com

    2) SCS: Offshore banking with my own merchant account, no set-up fee (waived), 8.95% + 0.85, $99 monthly, 10% 6 mo. rolling reserve, $35 wire transfer fee, paid out weekly (after first two weeks). http://www.scsoffshore.com/

    CardService Int'l previously had offered to hook me up with an offshore merchant account; the fees they wanted were almost as high as what SCS quoted me, but they wanted a ridiculous $2,500 set-up fee in addition, which was a deal-breaker as far as I was concerned. Now I'm thinking these two other companies (SMS and SCS) might be "too good" to be true.

    Any help is appreciated, and the sooner the better, as I need to make a decision quickly.
    Last edited by erotichorror; 12-05-2003, 04:34 PM.
  • Zprogramz
    Confirmed User
    • Apr 2003
    • 1360

    #2
    Hi,

    Contact Netbilling. They will help you out.

    Z

    Comment

    • erotichorror
      Registered User
      • Oct 2003
      • 11

      #3
      Netbilling is the one who put me in touch with Card Service Int'l. Those bastards at Card Service then cut Netbilling out of the deal and screwed me out of my $500 application fee after rejecting me. They stopped taking my calls and I never heard from them again. Netbilling had said that the only option they had for me was Card Service, so I don't see them as an option unless something has changed.

      In December last year, I ended up going with Small Merchant Services (third party biller) and have been satisfied with their service, but they just emailed me yesterday to say their processing bank has been acquired by another bank and is shutting down all accounts effective immediately. Lovely how they never give you any notice at all and just yank the rug out from under you, and always at the worst possible time (April-May are traditionally very bad sales-wise for my business). So now, after five months, I'm back in the market again for a low cost, high quality solution to process credit cards.

      I sell physical goods only, but due to the nature of my product (violent death fetish/horror erotica, but no hardcore or illegal content), CCBill and Ibill won't handle me; I've spoken to both in the past. I must have a stable and reliable third party biller or offshore merchant account that won't rape me financially (not just in set-up fees but all fees) that pays in USD. I have a very low chargeback rate and have run credit card transactions responsibly since May 1997.

      Any help would be appreciated, and quickly, because I am "dead in the water" sales-wise until I get credit card processing again. Thanks in advance for your help!
      Last edited by erotichorror; 04-27-2004, 11:40 AM.

      Comment

      • erotichorror
        Registered User
        • Oct 2003
        • 11

        #4
        Anybody know anything about Financial Credit Merchant Services in Tempe, AZ?

        http://needamerchant.com

        Comment

        • C&S
          Registered User
          • Jan 2004
          • 35

          #5
          Erortichorror, I can help you with a third party or merchant account solution. I can go over the different programs that we offer. Feel free to email me at [email protected] or call me at 517-540-9547.
          C&S
          [email protected]

          Comment

          • erotichorror
            Registered User
            • Oct 2003
            • 11

            #6
            Thanks, C&S; I'll email you.

            Meanwhile, I'm still shopping around for the best and most economical solution to my problem, does anyone else have any leads for me? Everyone I've spoken to says GFY is the best place for this kind of help and advice, so I'd really appreciate getting some more replies.

            By the way, my site is http://www.erotichorror.com

            I'm also looking toward getting into electronic delivery of my exclusive content and would appreciate any advice on how to go about hiring the right people to get a pay site up and running in the next few months, and what kind of set up fees are involved.

            Comment

            • NETbilling
              Confirmed User
              • Jan 2002
              • 8599

              #7
              SCSoffshore does not process for adult account, do they? Are you selling memberships? Please ICQ me at: 117496436 or call me at: 661-252-2456

              Mitch


              Mitch Farber
              CEO - NETbilling, Inc.
              Email / Phone: 888-357-8166 / 661-252-2456
              Transaction processing & 24/7 call center services with exceptional rates and flexibility, since 1998!

              Comment

              • digglah
                Registered User
                • Apr 2004
                • 22

                #8
                Why don't you just get a merchant account with your local bank, that usually only takes opening a business checking account... Then use authorizenet.com as the CC gateway to your banks merchant account?

                Comment

                • Zprogramz
                  Confirmed User
                  • Apr 2003
                  • 1360

                  #9
                  Originally posted by digglah
                  Why don't you just get a merchant account with your local bank, that usually only takes opening a business checking account... Then use authorizenet.com as the CC gateway to your banks merchant account?
                  Why would you use Authorize.net's crappy system when you can use Netbilling or another good gateway?

                  Z

                  Comment

                  • digglah
                    Registered User
                    • Apr 2004
                    • 22

                    #10
                    Originally posted by Zprogramz
                    Why would you use Authorize.net's crappy system when you can use Netbilling or another good gateway?

                    Z
                    It sounded like Netbilling didn't work out for him. What other gateways would you suggest?

                    Comment

                    • HMS
                      Registered User
                      • Mar 2004
                      • 84

                      #11
                      Are you an established adult site or new in the market? Humboldt Merchant Services is taking on established adult business as we speak.

                      Must be -
                      -2 years in business
                      -$100K+ in monthly processing
                      -under 1% ChargeBacks

                      If you meet these let me know. I have a suggestion or two for you as to what gateways to use also. These gateways I work with are designed specifically for the adult market and will help you manage your business and keep you CB's under 1%.

                      Rates etc:
                      4.00%
                      $0.30 per transaction
                      $10 statement fee
                      $2500 V/MC High Risk Registratin fee
                      $145 application fee (fully refundable)

                      Call or email so we can discuss in more detail.

                      Steve Kimberling, AVP
                      Humboldt Merchant Services
                      877-635-3339
                      [email protected]

                      Comment

                      • mrgica
                        Confirmed User
                        • Jan 2004
                        • 2169

                        #12
                        Here it is the credit card processor taking over the internet.
                        ONLY 10% IN PROCESSING FEE!

                        Se my sig!
                        Fuck it dude, lets go bowling

                        Comment

                        • erotichorror
                          Registered User
                          • Oct 2003
                          • 11

                          #13
                          Anybody else have any advice or merchant account options?

                          Comment

                          • HMS
                            Registered User
                            • Mar 2004
                            • 84

                            #14
                            Let me update my earlier response.... as long as you meet the processing requirements of Humboldt Merchant Services...
                            I can get you a rate of 2.40% on your tangible products sale.

                            Let me know if I can help

                            Steve Kimberling, AVP
                            Humboldt Merchant Services
                            [email protected]

                            Comment

                            • Mogulman
                              Confirmed User
                              • Aug 2003
                              • 568

                              #15
                              Originally posted by erotichorror
                              My question is, I have to go with an offshore or third party biller, so do you guys know anything about these companies?

                              1) Small Merchant Services (SMS): Third party biller, $50 set up fee, 6.90% +$1, 10% 6 mo. rolling reserve, paid out weekly (after first week) by check. No other fees, no minimums. http://www.smallms.com

                              2) SCS: Offshore banking with my own merchant account, no set-up fee (waived), 8.95% + 0.85, $99 monthly, 10% 6 mo. rolling reserve, $35 wire transfer fee, paid out weekly (after first two weeks). http://www.scsoffshore.com/

                              CardService Int'l previously had offered to hook me up with an offshore merchant account; the fees they wanted were almost as high as what SCS quoted me, but they wanted a ridiculous $2,500 set-up fee in addition, which was a deal-breaker as far as I was concerned. Now I'm thinking these two other companies (SMS and SCS) might be "too good" to be true.

                              Any help is appreciated, and the sooner the better, as I need to make a decision quickly.
                              I can help you out with this. I need to know more about your product line and processing volume though. If everything checks out, I can probably get you a better deal than both of the above offers. If you are still looking for information you can contact me via email at [email protected] or on ICQ at 309485289

                              Have a good one.

                              Comment

                              • GigaXXX
                                Confirmed User
                                • Apr 2004
                                • 872

                                #16
                                hi
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                                Comment

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