epassporte issues

[TDF]

so i can transfer money to my virtual card but not to my bank account? am i reading this correctly?

[Chris Mallick]

Originally posted by toodamnfli
so i can transfer money to my virtual card but not to my bank account? am i reading this correctly?

Currently, yes. There are plans (no specific date yet) to allow transfers from epassporte accounts to bank accounts.

[TDF]

okie doke

[Kimmykim]

Get the Electron card and pull the money out at the ATM, it's pretty simple really...

[TDF]

Originally posted by Kimmykim
Get the Electron card and pull the money out at the ATM, it's pretty simple really...

( insert smart ass comment here)

[Kimmykim]

Originally posted by toodamnfli


( insert smart ass comment here)

(me too) ;)

[ServerGenius]

Originally posted by Kimmykim
Get the Electron card and pull the money out at the ATM, it's pretty simple really...

It´s not really that simple....I already found out that epassporte
doesn´t like spanish cards at all, neither classics nor electrons.
So the people for who this epassport is intended they can´t sign
up. As you need a "decent" credit card to sign up with.....and
people in blocked countries for example don´t have that...so
what´s the use?

DynaMite

[ServerGenius]

I would suggest epassport will look for other ways than CC
to signup and obtain the electron card because as I look at it
now this will be the main problem for the people for whom the
epassporte was originaly intended.

I´m not trying to dish epassporte or anything I would love to
see this work....but having tried with 2 people and 4 different
cards and not 1 being successful I have my concerns :-)

DynaMite

[ServerGenius]

Oh 1 more funny thing.....the cards that are being declined by
epassporte are getting approved by virtually every other billing
company.

DynaMite

[Kimmykim]

ePassporte has NO problem with the Spanish, Dyna, I can assure you of that

However, there are two things that tend to cause issues with Euro transactions.

The first one is improper response on CVV2, since it seems that a lot of the European banks aren't set up to do it quite right.

The other is the fact that so many Europeans seem to have cards issued in one country but are living in another, and thats set up as an automatic decline, for obvious risk management issues.

If you've got a good cc and are having problems getting the epassporte account or funding it if a sponsor set one up for you, then please email me -- [email protected] -- and I will tell you what we can do to facilitate the transaction for you

[ServerGenius]

Originally posted by Kimmykim
ePassporte has NO problem with the Spanish, Dyna, I can assure you of that

However, there are two things that tend to cause issues with Euro transactions.

The first one is improper response on CVV2, since it seems that a lot of the European banks aren't set up to do it quite right.

The other is the fact that so many Europeans seem to have cards issued in one country but are living in another, and thats set up as an automatic decline, for obvious risk management issues.

If you've got a good cc and are having problems getting the epassporte account or funding it if a sponsor set one up for you, then please email me -- [email protected] -- and I will tell you what we can do to facilitate the transaction for you

Thanks for the reply Kimmy I understand the issues. I´ll send you
an email right away.......if you reply......don´t forget to attach the
jpg´s

DynaMite

[ServerGenius]

Or am I pushing my luck now a little too far ?

DynaMite

[Petr]

KK, so this basically makes Epassporte unavailable to Europeans... = people for whom this product is intented. Correct me if I'm wrong.

[TDF]

35 dollars for your own atm card?? dayumm!

[Kimmykim]

Originally posted by Petr
KK, so this basically makes Epassporte unavailable to Europeans... = people for whom this product is intented. Correct me if I'm wrong.

The product is not intended for any specific country or region, no. It's ability to cross borders and platforms is second to none I think, given the technology behind it.

The product is, and will become even more so, usable by those with no credit card, no credit, and will not even be dependent upon having a bank account at some point down the road, albeit down the road...

However, NO company that wants to keep its merchant accounts, be it high risk or low, simply issues cards in situations that are traditionally rife with the potential for fraud.

As time goes by and we have some established history with the fraud attempt levels on this particular product, I would imagine we will re-assess the way we decline and approve based on what we see.

Rome wasn't built in a day.

[Kimmykim]

Originally posted by toodamnfli
35 dollars for your own atm card?? dayumm!

No different than the $35 Bank of America just whacked me for to get an America West card, or the $35 I pay for a Mastercard I have, on a yearly fee...

[TDF]

Originally posted by Kimmykim


No different than the $35 Bank of America just whacked me for to get an America West card, or the $35 I pay for a Mastercard I have, on a yearly fee...

but its 35 dollars I dont pay with paypal..oh yeah, I dont have to pay for my ATM cards from my credit union nor my regular bank..;)))

[ServerGenius]

I can tell you for Spain very few banks support cvc2/cvv2 I have
tried 4 different banks which are amongst the biggest banking
organisations here in Spain and from those 4 none supported
cvc2/cvv2

DynaMite

[Kimmykim]

Originally posted by toodamnfli



but its 35 dollars I dont pay with paypal..oh yeah, I dont have to pay for my ATM cards from my credit union nor my regular bank..;)))

This isn't a bank account and it's not a credit union TDF

It's anonymous purchasing power.

[TDF]

Originally posted by Kimmykim


This isn't a bank account and it's not a credit union TDF

It's anonymous purchasing power.

interesting..thanks for the insight

[Petr]

AFAIK Epassporte has been promoted as a card for people whose cards are not accepted on the net. But to get an Epassporte card you must have a card which is accepted on the net in the first place (yeah, I know that there are some companies like Flashcash which can open an Epassporte account for you but that's not really a solution). So it doesn't make much sense.

[strobi]

Tried my electron card (hard one) in Belgium,The Nederlands and France... no problem!

[Tuga]

I was looking forward to open my account, but the CC I used was rejected... I will get a new one in a couple of days (I hope) and I'll try again then. I'm from Portugal and I cant withdraw money from paypal, so I really need the epassporte card.

[Kimmykim]

ePassporte is many things Petr, not just a card for people that can't pass a high risk transaction... no system is perfect and we are refining this one daily to make it as user friendly and accessible as possible.

We've got plenty of Europeans who are using the accounts and not having trouble funding them, and we've issued accounts to more than 100 countries already, in what basically amounts to the first 90 days of business. No, the system is not as large as Paypal or as accepted at the moment, but Paypals also been at this for a few years... of course Paypal is also getting out of adult entirely in two months, so people who rely on them as a serious source of revenue will be looking elsewhere to replace it, and this is a natural for that use.

At the end of the day the fact does remain that you cannot have any sort of credit or debit product without doing risk management on it -- go to Bank of America here in the states and open an account -- you do NOT get the Visa logo check card unless your personal credit score meets their minimum requirement. I have a credit union account as well and they do the same thing. ATM cards with the Plus, Cirrus, etc logos are issued regardless of history, but those are also the cards with low daily withdrawal limits and they don't work in any more places than the ePassporte Electron card, nor do they work at all like the virtual account for online purchasing.

ePassporte may not be the solution for everyone, heck if there was only one solution that fit everyone then there would be no need for competitive products, no need to bother developing anything new and no need to support and market such a product

OH, and Dyna, you've got mail, but I forgot the jpg ;)

[ServerGenius]

Originally posted by Petr
AFAIK Epassporte has been promoted as a card for people whose cards are not accepted on the net. But to get an Epassporte card you must have a card which is accepted on the net in the first place (yeah, I know that there are some companies like Flashcash which can open an Epassporte account for you but that's not really a solution). So it doesn't make much sense.

What I understand from KimmyKim (correct me if I´m wrong) that
what you mention above is the final goal and has yet not been
achieved yet. Due to the fact that this is a new thing they also
have to build up some good processing history in order to safely
start accepting people with less checks/scrubbing or alternative
methods.

Therefor at this moment it does not work yet the way it is intended.....am I right?

DynaMite

[Kimmykim]

Originally posted by DynaSpain

Therefor at this moment it does not work yet the way it is intended.....am I right?

DynaMite

It works the way it is intended, let me clarify tho. As time goes on and we establish more patterns to scrub this particular product by, the acceptance levels may change -- now this also means that in some places the cards will become harder to get, while in others they will be easier.

If banks would set themselves up properly according to the Visa/MC guidelines then there would be alot fewer issues than there are at the moment. However, we are unable to force banks to spend the time and money to do it, Visa/MC is going to have to do that... something they will do but it just takes time.

[drops]

Can we just see more of KK pics?

[Kimmykim]

Originally posted by drops
Can we just see more of KK pics?

Doesnt that have its own evil thread ;)

[drops]

It does, but this deserves a bump.. If I posted there, it would get lost.

[Kimmykim]

Originally posted by Tuga
I was looking forward to open my account, but the CC I used was rejected... I will get a new one in a couple of days (I hope) and I'll try again then. I'm from Portugal and I cant withdraw money from paypal, so I really need the epassporte card.

Drop me an email tuga -- [email protected] -- and lets see if we cant get you fixed up --

[nocostporn]

nocostporte coming soon

[jeffkd]

we set up epoch as a processor on our site, with failed transactions automatically going to the epassporte payment option.

problem is, i am told by my epoch rep that epassporte transactions are not reflected in the regular epoch stats, and the epassporte stats are not set up yet. so i guess i have to call epoch every day to find out how many epassporte signups i have?

also, my rep says that epoch has not yet worked a regular payment scheme for epassporte transactions. why can't epoch combine the epassporte payouts with the regular epoch payouts in the same check? it will be a hassle to call every week or two to request a separate check....

and why was epassporte launched before the stats system was set up for webmasters to view transactions?

[Kimmykim]

Integration between ePassporte and Epoch are two separate issues.

Yes, ePassporte was designed by the same team and is owned by the same principals basically that Epoch has.

They are, however, two ENTIRELY separate companies with entirely separate functions.

I would suggest addressing the Epoch issues with your Epoch representative.

[greenlab]

Who guarantees the funds in your epassporte card ? In US you have FDIC, but in StKittys .....lol

look at the faces of the people who will manage your epassporte money :

http://www.sknanb.com/directors.HTM

hehe

[Chris Mallick]

Originally posted by greenlab
Who guarantees the funds in your epassporte card ? In US you have FDIC, but in StKittys .....lol

look at the faces of the people who will manage your epassporte money :

http://www.sknanb.com/directors.HTM

hehe

A large, money center bank, in an account for Visa?s Interchange demands, holds the cash deposited into your epassporte account. Nobody touches or ?manages? the money. It just sits there waiting for you to spend it. And no, interest is not earned by epassporte; Visa gets that too. It is simply the best way to ensure your funds and our funds are safe. FYI: epassporte has an epassporte account, where all fees that are earned are deposited. Those funds are held just like every other epassporte cardholder?s funds. I hope this answers your question.

[TDF]

weez movin on up!

[jeffkd]

When will webmasters be able to see the funds in their e-passporte accounts that result from signups? There could be $2 or 2 million dollars and we currently have no way of knowing.

Why can't e-passporte signups be reflected as epoch's signups?

[http]

I funded my epassporte atm card today with my real visa and tried to pull cash a few hours later...

I was afraid that the cash-point dispenser might not accept the card and just keep it. Showed the bank tellers the card and asked whether it'll work.

They said hell no, and that they've never seen something like that card, and that they never heard of "Visa electron" either.

There was no "Plus" or "Visa electron" sign anywhere at that bank, but according to visa's atm locator http://visaatm.infonow.net/bin/findNow?CLIENT_ID=VISA their dispenser would accept electron cards. Weird that all the bank teller wouldn't know about it. They called their manager and even he wasn't sure.

I made him stand near me so he could open the dispenser and give the card back to me just in case the dispenser should decide that the card is not valid or fraud or something and just keep it

Worked just nicely. So far so good... =)

[Kimmykim]

Originally posted by http
There was no "Plus" or "Visa electron" sign anywhere at that bank, but according to visa's atm locator http://visaatm.infonow.net/bin/findNow?CLIENT_ID=VISA their dispenser would accept electron cards. Weird that all the bank teller wouldn't know about it. They called their manager and even he wasn't sure.

Not sure what kind of bank you go to but Plus, Cirrus and Pulse are the most common ATM interfaces that I've ever seen... pretty much ALL ATMs are compatible with those... my Bank of America Visa has Plus, Pulse and Interlink on it, my Paypal card has Cirrus on it... none of which has to do with Visa or Mastercard.

Nor am I surprised that a bank teller is clueless... the girl who handles my wires went of vacation and the woman who was doing the wiring in the meantime decided to send my money to Curacao, Not Applicable, instead of Curacao, NA (Netherlands Antilles) and then got frustrated when the wire didnt go thru...