GoFuckYourself.com - Adult Webmaster Forum - View Single Post - Are there still programs that don't use cascading billing?

Kimmykim · 02-18-2005, 04:12 PM

Actually jayeff, these are very good comments -- and each processor will tell you they are the best, and a certain segment of the clients will tell you that their processor is the best.

But with that said, there's really no way to guarantee that your primary processor is always going to have a lightning fast connection to their bank, that they won't be experiencing a DOS attack, or some other circumstance that can't be helped.

Scrubbing is also different at processors. And each processors list of automatic declines by country or BIN number is unique to the processor, based on their history with that piece of the puzzle.

What do you consider to be a reasonable variant among processors for scrub declines? 5%? 10% I don't see it as any more than that but nonetheless if one is scrubbing for some reason unique to them and the sale can and will go through at a different processor, then why wouldn't you want the income?

Or perhaps someone uses a different processor for checks, such as WTS, which is a very common situation. If the credit card join fails, and they fall back to the check processor through the use of the cc processors failure page, then the affiliate code is lost, and if the surfer signs up using a check after the cc failure, what happens? People come screaming shave, shave, shave... whereas using a cascade system the join would still be credited to the affiliate.

I'll address your last paragraph too, but it won't make you happy at all. The two remaining, legitimate, stable credit card processors have no reason to loosen up their scrubbing. At all. They aren't going to lose business because people complain. There is nowhere else to go. Most of the industry either doesn't understand merchant account management (as we've seen in this thread lol), doesn't want to bother with it (as many of the larger programs will tell you right up front), or can't get a merchant account because of past transgressions that cost them that ability.

Why every site out there doesn't have at least two credit card join options, one checking join option, the ability to accept Eurodebit, Asian credit solutions, phone billing, dialers, and magic beans if you can find a way to cash them in, is totally and completely beyond me.

02-18-2005, 04:12 PM
Kimmykim bitchslapping zebras!!!!! Industry Role: Join Date: Jun 2001 Location: In a shack by the beach Posts: 16,015	Actually jayeff, these are very good comments -- and each processor will tell you they are the best, and a certain segment of the clients will tell you that their processor is the best. But with that said, there's really no way to guarantee that your primary processor is always going to have a lightning fast connection to their bank, that they won't be experiencing a DOS attack, or some other circumstance that can't be helped. Scrubbing is also different at processors. And each processors list of automatic declines by country or BIN number is unique to the processor, based on their history with that piece of the puzzle. What do you consider to be a reasonable variant among processors for scrub declines? 5%? 10% I don't see it as any more than that but nonetheless if one is scrubbing for some reason unique to them and the sale can and will go through at a different processor, then why wouldn't you want the income? Or perhaps someone uses a different processor for checks, such as WTS, which is a very common situation. If the credit card join fails, and they fall back to the check processor through the use of the cc processors failure page, then the affiliate code is lost, and if the surfer signs up using a check after the cc failure, what happens? People come screaming shave, shave, shave... whereas using a cascade system the join would still be credited to the affiliate. I'll address your last paragraph too, but it won't make you happy at all. The two remaining, legitimate, stable credit card processors have no reason to loosen up their scrubbing. At all. They aren't going to lose business because people complain. There is nowhere else to go. Most of the industry either doesn't understand merchant account management (as we've seen in this thread lol), doesn't want to bother with it (as many of the larger programs will tell you right up front), or can't get a merchant account because of past transgressions that cost them that ability. Why every site out there doesn't have at least two credit card join options, one checking join option, the ability to accept Eurodebit, Asian credit solutions, phone billing, dialers, and magic beans if you can find a way to cash them in, is totally and completely beyond me.