Visa Rules - Website Descriptor

[Maximus]

Remember something very important is the new descriptor requirements.

All consumers credit card statements will have to read something like this - "IPSP NAME" *Website descriptor*

EX: "WSB" *Stacy Cat*

Visa claims there is too much customer confusion and this is causing chargebacks so now they want the website descriptor also.

We beleive this will have the opposite effect and actually will greatly increase chargebacks for many websites with explicit names. Denial of transactions with names like "Hot sexy girls* or the like will increase dramatically.

We have a way around this in our "Best Practices" recommendations that we are working on and sending out.

[Amputate Your Head]

Hmmm.... guess I need to change some descriptors....

"Hot Sheep Ass Fucking" probly won't look too good...

[pr0]

burn them, burn them all!!

[Maximus]

Originally posted by Amputate Your Head
Hmmm.... guess I need to change some descriptors....

"Hot Sheep Ass Fucking" probly won't look too good...

baaaaaaaa baaaaaa lol.

Here is a hint if you want to get started on it. WSB will suggest that all website owners use a benign company name.

Not that we do beastiality but we will use your example for the sake of keeping the topic light.

If your corporation is *Pro inc* you will need to display that prominently on the opening page of your sites and we will doit on the sale pages..

Home page example: Welcome to "Pro Inc's hot sheep ass fucking site"...( I have to laugh)

Sale Page example: You are about to purchase from "Pro Inc's Hot Sheep Ass Fucking" - Your credit card statement will read as follows - "WSB" *Pro Inc*

[SykkBoy]

I just knew we shouldn't have named our corporation Hot Donkey Cocks, LTD.

[Maximus]

Originally posted by SykkBoy2
I just knew we shouldn't have named our corporation Hot Donkey Cocks, LTD.

lol ... yes you may run into a tad bit of resistance with that one...

[Fletch XXX]

Kill Your Mom Inc

[Webby]

*Visa claims there is too much customer confusion and this is causing chargebacks so now they want the website descriptor also. *

Another VISA claim? Shit they sure know a lot!! Bet the CB's in adult are kinda irrelavant in comparison to other categories.. tis just an excuse to extort. As for VISA knowing anything - they don't know shit including their own rules for IPSP's - call em up and ask em!

[Brown Bear]

Now everyone is going to name their company Pro Inc.

[Brown Bear]

Whatever you do, don't name your company "chargeback now"

[DemonWolfe]

Maybe you should name your company "Chargebacks get broken knee caps"... ?

;)

[StacyCat]

Woohoo! Im famous!

But, isnt using descriptors that arent the names of sites going to be confusing?

I can name my site SC Inc, and they still wouldnt know where they bought the subscription from. The only thing that protects against is the wives calling in, "what the fuck is this "interracial amateur BBW fucking" doing on my husbands credit card recipt?

And, what if two companies have the same name? I just have to register this at the local level, it doesnt go into some statewide or nation wide registry for me to have a valid business name.


This wouldnt be a problem if Visa would understand the nature of the business. For anything without a sales slip to be charged back, no matter what we can give to prove it is bullshit.

[psyko514]

Originally posted by Webby
*Visa claims there is too much customer confusion and this is causing chargebacks so now they want the website descriptor also. *

Another VISA claim? Shit they sure know a lot!! Bet the CB's in adult are kinda irrelavant in comparison to other categories.. tis just an excuse to extort. As for VISA knowing anything - they don't know shit including their own rules for IPSP's - call em up and ask em!

As a Customer service employee and an adult webmaster, I can tell you that this claim is true. I get at least a dozen calls a week from cardholders telling me they do not recognize the transaction from ccBill, iBill, Globill, PSWBilling, etc... Being an adult webmaster and knowing how 3rd party billers work, I'm able to instruct my callers to visit the site where they can check the charge to see what they signed up for. Several callers check it while on the phone with me, and all I hear is a "ooooh..." or "that must be my husband" when they're shown their username and password to teenisex.com or sickanal.com.
So this whole descriptor idea may help reduce chargebacks, but it may also reduce signups for those who don't want "hot sheep sex" on their monthly statement.

As for us not knowing shit, including our own rules... who did you call? A customer service agent at the number on the back of your credit card? Of course he doesn't know the rules. Those rules apply solely to merchant accounts set up by 3rd party billers and there's no reason a customer service rep would need to know those policies as he only deals with cardholder inquiries

[psyko514]

haha... i like the text under my username.
i am not spamming.

[Kimmykim]

As I understand it from 3 of our processors, an acct number -- i.e. 12345 -- will be sufficient for identification.

If it's not, then there are other ways around it, very simple ones that don't require new corporations or anything else...

[psyko514]

even if you work your way around it, it can harm you with chargebacks.

if joe blow has no idea what your company name or acct # is, he's still going to chargeback. he's even more likely to chargeback when he knows who WSB or ccBill is, but has no idea who Pro Inc is.

[Kimmykim]

Yes but the processor name still has to be on the descriptor -- for instance -- CCBill/12345 or Paycom.net/12345 is the way they are going to be initially included on the statements unless something changed while we were in Curacao.

[psyko514]

"hi, there's a charge on my statement i don't recognize from ccBill"

"have you done business with ccBill before?"

"yes, but not for 12345"

"alright, well send us a letter and we'll initiate an investigation. in the meantime, contact ccBill and see if you can find out anything else"



getting around the descriptor goes one step further in deceiving the customer. it's along the lines of those "free" 30 min passes.

[Kimmykim]

Originally posted by psyko514


As a Customer service employee and an adult webmaster, I can tell you that this claim is true. I get at least a dozen calls a week from cardholders telling me they do not recognize the transaction from ccBill, iBill, Globill, PSWBilling, etc... Being an adult webmaster and knowing how 3rd party billers work, I'm able to instruct my callers to visit the site where they can check the charge to see what they signed up for. Several callers check it while on the phone with me, and all I hear is a "ooooh..." or "that must be my husband" when they're shown their username and password to teenisex.com or sickanal.com.
So this whole descriptor idea may help reduce chargebacks, but it may also reduce signups for those who don't want "hot sheep sex" on their monthly statement.

Hmmm, you are a customer service employee at Visa in one claim on another thread, but yet, when customers are on the phone with you looking up usernames and passwords at third party processors sites... um, I dunno about that. What customers call Visa or Mastercard directly to dispute a charge? They would either call their bank or the processor.

[psyko514]

I'll explain this to you in simple terms as it seems you're either illiterate, or mentally challenged.

TD Canada Trust is a bank in Canada. They offer Visa products under the brand name TD Visa. (TD being short for Toronto-Dominion).
I work as a customer service agent for TD Visa. When a TD Visa cardholder has problems with their cards (including charges they don't recognize), they call me, or one of my co-workers.
When the charge is from a 3rd party processor that I recognize, I inform the cardholder to visit the processor's customer service page, enter the information required and see what comes out.
Many people now have either DSL or cable lines so it's not a problem for them to be on the phone or the internet at the same time. Or some call from work.
While I'm on the line, they visit http://www.supabill.com/custsvc/cancel.asp for example. They enter their card number and they receive the URL of the site they signed up for as well as their username and password.
Many people then say "Ooooh... I remember that." or "Well, that must be my husband/girlfriend/roommate/son/etc."
Those who still don't recognize it must then send us a signed affadavit stating they did not authorize the charge before it can be disputed.

If this isn't clear enough KimmyKim, let me know and I'll draw a picture for you.

[steffie]

I HAD PERFECT URLS'

Until Visa killed them

Now I am buying

Chickencoop.com - replacing cockflasher
Lovemywife.com - replacing escortsforhire
Womentalk.com - replacing - certifiedstuds
Ladiesexchange - replacing - wifetrader

I am working on those happy family domain names now before every adult company will buy them up

[steffie]

Website Descriptor

There is away around to give out the URL
We all have accountnumbers with sub account

For Instance CCbill has numbers like 900000-0001

So it could read

CCbill - 900000-0001

Problem solved,, ah how easy was this eh?

[psyko514]

KimmyKim, I didn't receive an email or a call from you today. Should I assume you're swallowing your pride and admitting you're wrong?
Here's a towel, wipe the egg off your face kiddo.

[Zak]

[QUOTE]Originally posted by Maximus
We have a way around this in our "Best Practices" recommendations that we are working on and sending out. QUOTE]


Hey Maximus,

I thought this was just for company name? Not per website?
If its per website thats #$@@$ing silly. People are gonna sign up for sites, with WSB*TeenLickers and some dudes wife is gonna be holding up the bill saying WTFH!? And hes gonna say " I DIDNT DO IT I DIDNT DO IT!" chargeback. And now with the fucking 1% chargeback rate per merchant.. lol come on. They are going to kill the industry. Isn't this illegal somewhere?

Clinton... ahh Clinton, wheres Bill Clinton? He would put a stop to all this nonsense for sure.


- Zak


I thought it was like WSB*ZakCo though - for ALL of our sites.