How come some billing companies are able to not do the visa fee - GoFuckYourself.com

tonyparra · 01-23-2012, 11:19 AM

And others do it? Can someone tell me? Honestly, please someone not working for a billing company please tell me. It would seem like a competitive advantage/disadvantage to me.

alias · 01-23-2012, 11:24 AM

Because it doesn't really exist.

tonyparra · 01-23-2012, 11:28 AM

Quote:

Originally Posted by alias

Because it doesn't really exist.

lol what?

EddyTheDog · 01-23-2012, 11:32 AM

Somethiing to do with being based in the EU?

mpahlca · 01-23-2012, 11:53 AM

EU Visa is not the same as US Visa. US Visa has a fee EU Visa does not.

Barefootsies · 01-23-2012, 11:54 AM

Quote:

Originally Posted by mpahlca

EU Visa is not the same as US Visa. US Visa has a fee EU Visa does not.

Summed up toe perfection.

sperbonzo · 01-23-2012, 11:56 AM

Quote:

Originally Posted by mpahlca

EU Visa is not the same as US Visa. US Visa has a fee EU Visa does not.

Ding! Ding! We have a winner!

.

tonyparra · 01-23-2012, 12:06 PM

Quote:

Originally Posted by mpahlca

EU Visa is not the same as US Visa. US Visa has a fee EU Visa does not.

so how come all us billing doesnt require the fee? Like zombaio or verotel? I think i may be confused about this subject.

CYF · 01-23-2012, 12:07 PM

Quote:

Originally Posted by tonyparra

so how come all us billing doesnt require the fee? Like zombaio or verotel?

Zombaio PAYS IT FOR YOU.

iSpyCams · 01-23-2012, 12:14 PM

Quote:

Originally Posted by CYF

Zombaio PAYS IT FOR YOU.

lol 8char

Failed · 01-23-2012, 12:16 PM

I recently saw my visa check card replaced by a master card from my bank. I think the average person has at least a visa, mastercard, and probably a discover. I wonder if sales would really suffer all that much if you just didn't accept visa. Is that even an option, to turn accepting visa off from the back end of your program with a billing company?

I've never ran a pay site, so curious.

BIGTYMER · 01-23-2012, 12:20 PM

Quote:

Originally Posted by Failed

I recently saw my visa check card replaced by a master card from my bank. I think the average person has at least a visa, mastercard, and probably a discover. I wonder if sales would really suffer all that much if you just didn't accept visa. Is that even an option, to turn accepting visa off from the back end of your program with a billing company?

I've never ran a pay site, so curious.

You would suffer badly. Visa is king.

CYF · 01-23-2012, 12:21 PM

https://www.zombaio.com/faq.asp#11

I see no visa registration fee, why?

You don't have to pay the visa registration fee as we pay that fee for you. It would be nearly impossible fo us to offer our services to small merchants connected to another biller without this offer.

tonyparra · 01-23-2012, 12:58 PM

Quote:

Originally Posted by Failed

I've never ran a pay site, so curious.

Im trying to get one off the ground and use most of the funds towards content and traffic

Failed · 01-23-2012, 01:04 PM

Quote:

Originally Posted by tonyparra

Im trying to get one off the ground and use most of the funds towards content and traffic

I was looking into it recently too. I've done a lot of research on how to start from the very bottom on up. There is a ton of information on this board, but in bits and pieces scattered over so many threads. I just spent another 4 hours last night bookmarking old threads for reference, lol.

So, yes, that visa registration fee while not much in the grand scheme of things would be nice to not have to pay at start up if at all possible. Good luck and I hope it takes off for you!

Quote:

Originally Posted by BIGTYMER

You would suffer badly. Visa is king.

What do you think the % of people using visa compared to the other cards is? Is it really that large that they are indeed king?

bean-aid · 01-23-2012, 01:18 PM

Quote:

Originally Posted by BIGTYMER

You would suffer badly. Visa is king.

I'm not sure what the statistic is but pretty sure Visa would account for over 50% of sales.

The market you cater to is important. For example, 1 site I market to are mainstream companies, the majority use AMEX, then visa, then mastercard. The reason though is many professionals use AMEX because of the cash back incentives.

Porn, the average credit card holder, VISA for sure.

iSpyCams · 01-23-2012, 01:30 PM

Last month on primarily US traffic my roughly 3,000 Merchant Account transactions were almost exactly a third Mastercard and the rest Visa with a half dozen Discover.

Failed · 01-23-2012, 01:46 PM

Quote:

Originally Posted by beaner

I'm not sure what the statistic is but pretty sure Visa would account for over 50% of sales.

The market you cater to is important. For example, 1 site I market to are mainstream companies, the majority use AMEX, then visa, then mastercard. The reason though is many professionals use AMEX because of the cash back incentives.

Porn, the average credit card holder, VISA for sure.

Quote:

Originally Posted by pompousjohn

Last month on primarily US traffic my roughly 3,000 Merchant Account transactions were almost exactly a third Mastercard and the rest Visa with a half dozen Discover.

If those numbers are close to being accurate for everyone I can definitely see the importance of visa. Two out of every three porn customers would prefer to pay with visa.

As a consumer with credit cards, visa isn't any more attractive to me than mastercard. Stats of card owners:

Quote:

Average number of credit cards held by cardholders: 3.5, as of yearend 2008 (Source: "The Survey of Consumer Payment Choice," Federal Reserve Bank of Boston, January 2010)

Some other stats:

13% more transactions with visa
13 million more visa users

*edit, also spot on John about professionals and their spending on Amex, look at those numbers.

tonyparra · 01-23-2012, 06:32 PM

Ok didnt answer what I really wanted to know but thanks for participating

bean-aid · 01-23-2012, 06:48 PM

Quote:

Originally Posted by tonyparra

Ok didnt answer what I really wanted to know but thanks for participating

To directly answer your question the merchant, ccbill, takes on costs to operate. That includes review of sites for compliance, chargeback fees imposed by the credit card company, customer support, etc.

I have asked this question many, many times and never received a direct answer. It is therefore my opinion that CCBill evaluates all the "possible" fees associated with providing what they do and decided $750 per account, per year, on average, would be suitable.

That's my opinion but as far as I am concerned or aware of, VISA does not charge a merchant a yearly flat VISA fee. Billers call it a VISA fee because indirectly and directly... it could be. Also, VISA representitives are not reviewing each site for VISA compliance... CCBill representatives are.

alias · 01-23-2012, 07:22 PM

Barrier to entry fee.

LeRoy · 01-23-2012, 07:42 PM

Quote:

Originally Posted by tonyparra

Im trying to get one off the ground and use most of the funds towards content and traffic

Pay the fee

Without Visa you're nothing because most people use it. I dont have the stats but it's the majority.

porno jew · 01-23-2012, 07:46 PM

it was already answered for you dumbass.

ArsewithClass · 01-23-2012, 07:50 PM

Quote:

Originally Posted by mpahlca

EU Visa is not the same as US Visa. US Visa has a fee EU Visa does not.

That....

although.....

....

...

....

...

....

... come to the UK & get hit with http://www.atvod.co.uk/

fuck you

tonyparra · 01-23-2012, 08:30 PM

Quote:

Originally Posted by porno jew

it was already answered for you dumbass.

dont ruffle my feathers today kid

tonyparra · 01-23-2012, 08:30 PM

Quote:

Originally Posted by beaner

To directly answer your question the merchant, ccbill, takes on costs to operate. That includes review of sites for compliance, chargeback fees imposed by the credit card company, customer support, etc.

I have asked this question many, many times and never received a direct answer. It is therefore my opinion that CCBill evaluates all the "possible" fees associated with providing what they do and decided $750 per account, per year, on average, would be suitable.

That's my opinion but as far as I am concerned or aware of, VISA does not charge a merchant a yearly flat VISA fee. Billers call it a VISA fee because indirectly and directly... it could be. Also, VISA representitives are not reviewing each site for VISA compliance... CCBill representatives are.

thank you sir.

tonyparra · 01-23-2012, 08:32 PM

Quote:

Originally Posted by LeRoy

Without Visa you're nothing because most people use it. I dont have the stats but it's the majority.

I agree and understand that, i dont think enough people ask why questions

Jakez · 01-23-2012, 08:37 PM

It's a marketing technique. Some billers (like Zombaio, not sure if they still do) cover the fee in order to gain merchants.

NETbilling · 01-23-2012, 08:50 PM

Quote:

Originally Posted by mpahlca

EU Visa is not the same as US Visa. US Visa has a fee EU Visa does not.

Correctomundo!

Also, in the US, you have the Mastercard registration fee if you get your own merchant account but you only pay it and the Visa fee one time (plus yearly renewal) regardless of the gateway you use.

Mitch

NETbilling · 01-23-2012, 08:53 PM

To be clear - in the US, the Visa fee is actually $500 and Mastercard is $1000 for high risk merchant account registration fees.

We do work with some banks and ISOs that will pay the fee on your behalf or spread it out into payments depending on your volume.

Mitch

raymor · 01-23-2012, 08:58 PM

Some are breaking the rules by not collecting and paying the fee. At least one medium sized biller had their Visa account terminated a couple of months ago because they weren't collecting and paying the fee. They still haven't neen able to get Visa processing back.

bean-aid · 01-23-2012, 09:01 PM

Quote:

Originally Posted by NETbilling

To be clear - in the US, the Visa fee is actually $500 and Mastercard is $1000 for high risk merchant account registration fees.

We do work with some banks and ISOs that will pay the fee on your behalf or spread it out into payments depending on your volume.

Mitch

Got a link on Visa site, mastercard site?

That would clear the air for good and never the question would need to be answered again on this forum....

that is until my next question...

Also, how does that work exactly... "merchant" account. I'm speaking the difference between one of your clients who get a "merchant" account and then choose a specific bank compared to ccbill "merchant" account who oversees everyone's smaller "merchant" accounts.

Your input would really help clear the air for good.

NETbilling · 01-23-2012, 09:44 PM

Quote:

Originally Posted by beaner

Got a link on Visa site, mastercard site?

That would clear the air for good and never the question would need to be answered again on this forum....

that is until my next question...

Also, how does that work exactly... "merchant" account. I'm speaking the difference between one of your clients who get a "merchant" account and then choose a specific bank compared to ccbill "merchant" account who oversees everyone's smaller "merchant" accounts.

Your input would really help clear the air for good.

Hi,

I do not have a link to the fees on the visa or master card site but I will try to find something to post.

There are many differences to having your own merchant account vs. using an IPSP such as CCbill. It is best explained over the phone as we determine your needs, volume, time in business etc.. I can promise you however, that you will certainly save money and have much more control with your own merchant account, but along with that comes more responsibility as well. Feel free to call us anytime, ICQ, Skype or email for more information.

bean-aid · 01-23-2012, 10:00 PM

Quote:

Originally Posted by NETbilling

Hi,

I do not have a link to the fees on the visa or master card site but I will try to find something to post.

There are many differences to having your own merchant account vs. using an IPSP such as CCbill. It is best explained over the phone as we determine your needs, volume, time in business etc.. I can promise you however, that you will certainly save money and have much more control with your own merchant account, but along with that comes more responsibility as well. Feel free to call us anytime, ICQ, Skype or email for more information.

Mitch... I will likely reach out to you because I do understand the difference between an IPSP and a merchant account as far as the flexibility that offers in both processing the cards, join forms, control over refunds/chargebacks etc.

Let me clarify my question... what is the difference in a "merchant" account like you help setup with your clients and a "merchant" account on an IPSP like CCBill in regards to the visa and mastercard fee?

NETbilling · 01-23-2012, 10:48 PM

Quote:

Originally Posted by beaner

Mitch... I will likely reach out to you because I do understand the difference between an IPSP and a merchant account as far as the flexibility that offers in both processing the cards, join forms, control over refunds/chargebacks etc.

Let me clarify my question... what is the difference in a "merchant" account like you help setup with your clients and a "merchant" account on an IPSP like CCBill in regards to the visa and mastercard fee?

The difference is that as a sponsored merchant (you processing through an IPSPs merchant account), you only have to pay the Visa fee, not the Mastercard fee.

Does that help?

Mitch

bean-aid · 01-23-2012, 10:55 PM

Quote:

Originally Posted by NETbilling

The difference is that as a sponsored merchant (you processing through an IPSPs merchant account), you only have to pay the Visa fee, not the Mastercard fee.

Does that help?

Mitch

It's not a big fee either way. It doesn't make sense to me but I'll just leave it at that.

NETbilling · 01-24-2012, 07:54 AM

Quote:

Originally Posted by beaner

It's not a big fee either way. It doesn't make sense to me but I'll just leave it at that.

What doesn't make sense?

Mitch

NetwErk GUrl · 01-24-2012, 09:28 AM

Quote:

Originally Posted by beaner

To directly answer your question the merchant, ccbill, takes on costs to operate. That includes review of sites for compliance, chargeback fees imposed by the credit card company, customer support, etc.

I have asked this question many, many times and never received a direct answer. It is therefore my opinion that CCBill evaluates all the "possible" fees associated with providing what they do and decided $750 per account, per year, on average, would be suitable.

That's my opinion but as far as I am concerned or aware of, VISA does not charge a merchant a yearly flat VISA fee. Billers call it a VISA fee because indirectly and directly... it could be. Also, VISA representitives are not reviewing each site for VISA compliance... CCBill representatives are.

The VISA fee is a very real annual fee assessed by VISA and collected by payment processors. It wasn't arbitrarily decided by CCBill.

With our US IPSP we have to either claim the fee from our customers or decide to cover it ourselves. With our EU IPSP we do not have to do this because the EU VISA assesses their fee as a "per transaction" charge instead. Some of our competitors pay for every US merchant they board.

Each payment processing company brings a different set of assets to the table. Some save you money up front, some have better tools and save you money all along, some have very flexible payment solutions, some have better customer service than others, some rest on having a good brand, etc. When selecting, I'd encourage you to consider more than just whether or not they'll assume the VISA fee for you.

I have the benefit of being able to board merchants on either the US IPSP or the EU IPSP and depending on their volume, sometimes the US VISA fee is actually the lesser evil. To board in either place you need to have a corp based there, of course. In addition, I represent the ability to set you up with your own merchant account with gateway services, where you'd have to pay all the card services fees, but only annually, instead of with each additional 3rd party IPSP you select to work with.

I know you asked for non payment processing employee answers, but you're going to get the best information from those of us in the industry.

candyflip · 01-24-2012, 09:35 AM

CCBill will pay it for you too. If you make them enough money.

rogueteens · 01-24-2012, 09:42 AM

Quote:

Originally Posted by ArsewithClass

... come to the UK & get hit with http://www.atvod.co.uk/

fuck you

Did you pay them?

Operator · 01-24-2012, 09:43 AM

Asia is Visa Inverse. That's fucking why.

EddyTheDog · 01-24-2012, 09:52 AM

Quote:

Originally Posted by ArsewithClass

That....

although.....

....

...

....

...

....

... come to the UK & get hit with http://www.atvod.co.uk/

fuck you

WTF is that?

Is that a joke?

DWB · 01-24-2012, 09:57 AM

Quote:

Originally Posted by CYF

https://www.zombaio.com/faq.asp#11

I see no visa registration fee, why?

They create a pseudo EU company for their clients and in the EU you don't have to pay a visa fee.

videosc · 03-24-2012, 08:52 AM

Does anyone know if the $750 fee is paid directly to Visa, so you only have to pay it once even if you use multiple processors like CCBill and Epoch? Or do you have to pay it to both CCBill and Epoch if you sign up with them both?

videosc · 03-24-2012, 03:20 PM

Hey, I found the answer to my question on the CCBill FAQ page:

Quote:

Will Sponsored Merchants be required to register and pay the initial $750.00 fee to EACH IPSP that processes for their Company?

Yes, Sponsored Merchants will be required to both register and pay the up-front registration and annual fees to each IPSP they choose to have to handle their processing.

But I'm still confused about one thing: do you have to pay the $500 annual fee in addition to the $750 registration fee from day one? So in other words, you really have to pay $1,250 if you want to start accepting Visa? The above answer from CCBill makes it sound like that is the case, which kind of sucks.

Rothstein · 03-24-2012, 03:23 PM

is $750 really a big deal to some people? I LOL'd

iwantchixx · 03-24-2012, 03:53 PM

Quote:

Originally Posted by Barefootsies

Summed up toe perfection.

For a moment there I thought this read "Sump pump toe infection."

astronaut x · 03-25-2012, 01:51 AM

Quote:

Originally Posted by Rothstein

is $750 really a big deal to some people? I LOL'd

To people who are just starting out with small niche type sites. Yes.

To a big shot like yourself.

Of course not!! You shit money.

Konda · 03-25-2012, 03:59 AM

Quote:

Originally Posted by tonyparra

so how come all us billing doesnt require the fee? Like zombaio or verotel?

Both are EU, not in US

OldJeff · 03-25-2012, 05:29 AM

Quote:

Originally Posted by pompousjohn

Last month on primarily US traffic my roughly 3,000 Merchant Account transactions were almost exactly a third Mastercard and the rest Visa with a half dozen Discover.

Pretty accurate ratio

01-23-2012, 11:24 AM	#2
alias aliasx Join Date: Apr 2001 Posts: 19,010	Because it doesn't really exist. __________________ https://porncorporation.com

01-23-2012, 11:32 AM	#4
EddyTheDog Just Doing My Own Thing Industry Role: Join Date: Jan 2011 Location: London, Spain, New Zealand, GFY - Not Croydon... Posts: 25,040	Somethiing to do with being based in the EU? __________________ - Chaturbate Script - https://gfy.com/fucking-around-and-b...er-issues.html - Now supports White Labels

01-23-2012, 11:53 AM	#5
mpahlca Confirmed User Industry Role: Join Date: Feb 2004 Location: Vancouver Posts: 1,821	EU Visa is not the same as US Visa. US Visa has a fee EU Visa does not. __________________ I could give two shits wether you read this sig or not.

01-23-2012, 12:21 PM	#13
CYF Coupon Guru Industry Role: Join Date: Mar 2009 Location: Minneapolis Posts: 10,973	https://www.zombaio.com/faq.asp#11 I see no visa registration fee, why? You don't have to pay the visa registration fee as we pay that fee for you. It would be nearly impossible fo us to offer our services to small merchants connected to another biller without this offer. __________________ Webmaster Coupons Coupons and discounts for hosting, domains, SSL Certs, and more! AmeriNOC Coupons \| Certified Hosting Coupons \| Hosting Coupons \| Domain Name Coupons

01-23-2012, 06:32 PM	#19
tonyparra Confirmed User Industry Role: Join Date: Jul 2008 Location: In your back seat with duck tape Posts: 4,568	Ok didnt answer what I really wanted to know but thanks for participating __________________ High Performance Vps $10 Linode Manage your Digital Ocean, Linode, or Favorite Cloud Server. Simple, fast, and secure Server Pilot

01-23-2012, 11:19 AM	#1
tonyparra Confirmed User Industry Role: Join Date: Jul 2008 Location: In your back seat with duck tape Posts: 4,568	How come some billing companies are able to not do the visa fee And others do it? Can someone tell me? Honestly, please someone not working for a billing company please tell me. It would seem like a competitive advantage/disadvantage to me. __________________ High Performance Vps $10 Linode Manage your Digital Ocean, Linode, or Favorite Cloud Server. Simple, fast, and secure Server Pilot

01-23-2012, 12:16 PM	#11
Failed Confirmed User Industry Role: Join Date: Mar 2011 Posts: 2,301	I recently saw my visa check card replaced by a master card from my bank. I think the average person has at least a visa, mastercard, and probably a discover. I wonder if sales would really suffer all that much if you just didn't accept visa. Is that even an option, to turn accepting visa off from the back end of your program with a billing company? I've never ran a pay site, so curious.

01-23-2012, 01:30 PM	#17
iSpyCams Amateur Gynecologist Industry Role: Join Date: May 2009 Location: Medellin Posts: 4,436	Last month on primarily US traffic my roughly 3,000 Merchant Account transactions were almost exactly a third Mastercard and the rest Visa with a half dozen Discover.

01-23-2012, 07:22 PM	#21
alias aliasx Join Date: Apr 2001 Posts: 19,010	Barrier to entry fee. __________________ https://porncorporation.com

01-23-2012, 07:46 PM	#23
porno jew Too lazy to set a custom title Industry Role: Join Date: Nov 2006 Posts: 10,166	it was already answered for you dumbass.

01-23-2012, 08:37 PM	#28
Jakez Confirmed User Industry Role: Join Date: Jan 2004 Location: oddfuturewolfgangkillthemall!!!!!!! Posts: 5,656	It's a marketing technique. Some billers (like Zombaio, not sure if they still do) cover the fee in order to gain merchants. __________________ [email protected] - jakezdumb - 573689400 Killuminati

01-23-2012, 08:53 PM	#30
NETbilling Confirmed User Industry Role: Join Date: Jan 2002 Location: Huntington Beach, CA Posts: 8,579	To be clear - in the US, the Visa fee is actually $500 and Mastercard is $1000 for high risk merchant account registration fees. We do work with some banks and ISOs that will pay the fee on your behalf or spread it out into payments depending on your volume. 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!

01-23-2012, 08:58 PM	#31
raymor Confirmed User Join Date: Oct 2002 Posts: 3,745	Some are breaking the rules by not collecting and paying the fee. At least one medium sized biller had their Visa account terminated a couple of months ago because they weren't collecting and paying the fee. They still haven't neen able to get Visa processing back. __________________ For historical display only. This information is not current: support@bettercgi.com ICQ 7208627 Strongbox - The next generation in site security Throttlebox - The next generation in bandwidth control Clonebox - Backup and disaster recovery on steroids

01-24-2012, 09:35 AM	#39
candyflip Carpe Visio Industry Role: Join Date: Jul 2002 Location: New York Posts: 43,057	CCBill will pay it for you too. If you make them enough money. __________________ Spend you some brain. Email Me

01-24-2012, 09:43 AM	#41
Operator So Fucking Banned Industry Role: Join Date: May 2009 Location: ΠπΠ Posts: 2,419	Asia is Visa Inverse. That's fucking why.

03-24-2012, 08:52 AM	#44
videosc Confirmed User Join Date: Jan 2008 Posts: 375	Does anyone know if the $750 fee is paid directly to Visa, so you only have to pay it once even if you use multiple processors like CCBill and Epoch? Or do you have to pay it to both CCBill and Epoch if you sign up with them both?

03-24-2012, 03:23 PM	#46
Rothstein So Fucking Banned Industry Role: Join Date: Jan 2012 Location: Frostburg, MD Posts: 682	is $750 really a big deal to some people? I LOL'd