Thank you Mastercard for your $500 fee

[sweetcuties]

I can't thank you enough for charging a $500 annual fee in addition to what I'm paying weekly... just wanted to say thanks

[jódete]

Originally Posted by sweetcuties

I can't thank you enough for charging a $500 annual fee in addition to what I'm paying weekly... just wanted to say thanks

whats the $500.00 fee for ????

[StinkyPink]

I thank them because by charging only $500 visa dropped their $750 to match them.

Thanks MasterCard!

[JA$ON]

you have to spend $ to make $

[LightscapeMedia]

Well, there's always Zombaio..

[NewOldPlayer]

Originally Posted by sweetcuties

I can't thank you enough for charging a $500 annual fee in addition to what I'm paying weekly... just wanted to say thanks

There is NO such thing as an annual fee. CCbill creatively made it up out of thin air because most adult webmasters are morons and don't know shit about credit processing.

Once CCbill got away with it, all the others soon followed. Everybody is charging $ 750 for Visa and once the morons (us) agreed to pay it, they just tacked on $ 500 for mastercard.

It's a fucking joke. Banks makes money from the interest on charges, that's it. There is no fucking annual fee. The FEE is the interest charge.

How CCBill and others get away with charging an annual fee is beyond me. Some "waive" the fee to get webmasters to sign up. Zombaio does that.

Zombaio can waive the fee because there IS NO FEE. Do you think any company would lose money by waiving a $1250 fee??

These adult processors are outrageous and webmasters feed into their bullshit and put them all on glass pedestals.

We should form an adult webmaster union and stage a week walk out and CRIPPLE these fucking companies for raping us with bullshit fees. I can't believe the praise everybody has for CCbill as they take money right out of their own pockets. Charging 14.5% when the rest of the world pays 3% ????

Adult sales = High risk charges???? That's a genius term created by CCBill to justify charging 14.5%. There is NOTHING high risk about buying adult content. If the card doesn't go thru, it doesn't go thru. Where is the risk? If there is a chargeback, the webmaster pays for it. Again, where is the risk??? Why do we believe all the bullshit that comes out of CCBill and the other processors??

The whole adult processing industry is one huge wallet fuck. We are the true morons for putting up with it.

I wish I could afford a lawyer I would sue CCBill for charging $1250 a year for absolutely nothing.

[mikesouth]

I actually had a law professor tell me that this charge was/is a class action waiting to happen and this guy made his chops with big class action suits like that. problem is if ya do sue you lose your processing probably

[Sly]

Originally Posted by NewOldPlayer

There is NO such thing as an annual fee. CCbill creatively made it up out of thin air because most adult webmasters are morons and don't know shit about credit processing.

Once CCbill got away with it, all the others soon followed. Everybody is charging $ 750 for Visa and once the morons (us) agreed to pay it, they just tacked on $ 500 for mastercard.

It's a fucking joke. Banks makes money from the interest on charges, that's it. There is no fucking annual fee. The FEE is the interest charge.

How CCBill and others get away with charging an annual fee is beyond me. Some "waive" the fee to get webmasters to sign up. Zombaio does that.

Zombaio can waive the fee because there IS NO FEE. Do you think any company would lose money by waiving a $1250 fee??

These adult processors are outrageous and webmasters feed into their bullshit and put them all on glass pedestals.

We should form an adult webmaster union and stage a week walk out and CRIPPLE these fucking companies for raping us with bullshit fees. I can't believe the praise everybody has for CCbill as they take money right out of their own pockets. Charging 14.5% when the rest of the world pays 3% ????

Adult sales = High risk charges???? That's a genius term created by CCBill to justify charging 14.5%. There is NOTHING high risk about buying adult content. If the card doesn't go thru, it doesn't go thru. Where is the risk? If there is a chargeback, the webmaster pays for it. Again, where is the risk??? Why do we believe all the bullshit that comes out of CCBill and the other processors??

The whole adult processing industry is one huge wallet fuck. We are the true morons for putting up with it.

I wish I could afford a lawyer I would sue CCBill for charging $1250 a year for absolutely nothing.

Question: have you ever tried to secure a high risk merchant account, where the bank knows full well what you do?

[beemk]

Originally Posted by NewOldPlayer

There is NO such thing as an annual fee. CCbill creatively made it up out of thin air because most adult webmasters are morons and don't know shit about credit processing.

Once CCbill got away with it, all the others soon followed. Everybody is charging $ 750 for Visa and once the morons (us) agreed to pay it, they just tacked on $ 500 for mastercard.

It's a fucking joke. Banks makes money from the interest on charges, that's it. There is no fucking annual fee. The FEE is the interest charge.

How CCBill and others get away with charging an annual fee is beyond me. Some "waive" the fee to get webmasters to sign up. Zombaio does that.

Zombaio can waive the fee because there IS NO FEE. Do you think any company would lose money by waiving a $1250 fee??

These adult processors are outrageous and webmasters feed into their bullshit and put them all on glass pedestals.

We should form an adult webmaster union and stage a week walk out and CRIPPLE these fucking companies for raping us with bullshit fees. I can't believe the praise everybody has for CCbill as they take money right out of their own pockets. Charging 14.5% when the rest of the world pays 3% ????

Adult sales = High risk charges???? That's a genius term created by CCBill to justify charging 14.5%. There is NOTHING high risk about buying adult content. If the card doesn't go thru, it doesn't go thru. Where is the risk? If there is a chargeback, the webmaster pays for it. Again, where is the risk??? Why do we believe all the bullshit that comes out of CCBill and the other processors??

The whole adult processing industry is one huge wallet fuck. We are the true morons for putting up with it.

I wish I could afford a lawyer I would sue CCBill for charging $1250 a year for absolutely nothing.

Your inability to understand how the business works makes me not surprised you can't afford a lawyer.

[AdultKing]

Originally Posted by beemk

Your inability to understand how the business works makes me not surprised you can't afford a lawyer.

[romeo22]

$500 what a fee is that??

[ruff]

I am using Bitcoin and Zombaio now. No fees. I'm ahead $1000.00 out of the gate for 2014. Of course, if you a pulling down a million a year like most of the ballers on GFY, $500 is chickenfeed.

[mafia_man]

Originally Posted by ruff

I am using Bitcoin and Zombaio now. No fees. I'm ahead $1000.00 out of the gate for 2014. Of course, if you a pulling down a million a year like most of the ballers on GFY, $500 is chickenfeed.

Yeah but when Zombaio don't pay you and you'll be down $1000.

[adultchatpay]

$500 for an annual fee? That sucks!

[247mg]

Master card is just ****. They also charge double the chargeback fee for disputing the charges..... making money all the way....

[geedub]

Originally Posted by ruff

I am using Bitcoin and Zombaio now. No fees. I'm ahead $1000.00 out of the gate for 2014. Of course, if you a pulling down a million a year like most of the ballers on GFY, $500 is chickenfeed.

You should quit adult and become a comedian because you're pretty fucking good at telling jokes.

[Markul]

Like clockwork people come to whine about the $500. Really?

[elmy]

also ccbill has this annual fees

[RyuLion]

Your welcome..like they'll see this thread..maybe in 5 years..

[NewOldPlayer]

Originally Posted by beemk

Your inability to understand how the business works makes me not surprised you can't afford a lawyer.

You're just a scared idiot. You've been paying these fees for so many years, you simply can't imagine that the fees are not legitimate. CCBill is in business to make money. That's all. To make money. YOU are the one paying them money, because you don't know shit about credit processing or the law.

Nobody in adult knows shit about the law, that is why CCBill and others can get away with charging you 14.5% and $1250 per year for Visa and Mastercard "annual fees" that don't exist. CCBill gives you the impression (and others) that your business is "risky" and somehow, illegal and immoral and no bank would ever let you charge the public for adult content, but "we" (CCbill) will help you, but you have to pay us 14.5% and $1250 a year.

In fact, CCBill will NEVER address these threads because they know they don't have a leg to stand on and simply wait for the rumbling to die down.

I dare CCbill to chime in and offer their opinion on the matter. They won't. They would rather hide and wait for these threads to drift away.

Keep paying your fees like a good boy. Ignorance is bliss.

[AdultKing]

NewOldPlayer, you're deluded.

There is a cost to process high risk, anything high risk will cost more - if you don't understand that you're a fool.

As far as the people whining about the fee, it's a business expense, as such it's tax deductible - if you're not making enough to make spending a grand a year worthwhile to access such a service then nothing is stopping you getting access to your own merchant account through an acquirer.

[OldJeff]

Originally Posted by NewOldPlayer

You're just a scared idiot. You've been paying these fees for so many years, you simply can't imagine that the fees are not legitimate. CCBill is in business to make money. That's all. To make money. YOU are the one paying them money, because you don't know shit about credit processing or the law.

Nobody in adult knows shit about the law, that is why CCBill and others can get away with charging you 14.5% and $1250 per year for Visa and Mastercard "annual fees" that don't exist. CCBill gives you the impression (and others) that your business is "risky" and somehow, illegal and immoral and no bank would ever let you charge the public for adult content, but "we" (CCbill) will help you, but you have to pay us 14.5% and $1250 a year.

In fact, CCBill will NEVER address these threads because they know they don't have a leg to stand on and simply wait for the rumbling to die down.

I dare CCbill to chime in and offer their opinion on the matter. They won't. They would rather hide and wait for these threads to drift away.

Keep paying your fees like a good boy. Ignorance is bliss.

Wow, I didn't think it was possible for someone to know this little about processing.

[AdultKing]

Originally Posted by OldJeff

Wow, I didn't think it was possible for someone to know this little about processing.

To be fair to NewOldPlayer, this forum has never been short of people without any clue about anything - he's only continuing that fine tradition

[djroof]

500$ fee??? wtf?

[tony286]

Originally Posted by NewOldPlayer

There is NO such thing as an annual fee. CCbill creatively made it up out of thin air because most adult webmasters are morons and don't know shit about credit processing.

Once CCbill got away with it, all the others soon followed. Everybody is charging $ 750 for Visa and once the morons (us) agreed to pay it, they just tacked on $ 500 for mastercard.

It's a fucking joke. Banks makes money from the interest on charges, that's it. There is no fucking annual fee. The FEE is the interest charge.

How CCBill and others get away with charging an annual fee is beyond me. Some "waive" the fee to get webmasters to sign up. Zombaio does that.

Zombaio can waive the fee because there IS NO FEE. Do you think any company would lose money by waiving a $1250 fee??

These adult processors are outrageous and webmasters feed into their bullshit and put them all on glass pedestals.

We should form an adult webmaster union and stage a week walk out and CRIPPLE these fucking companies for raping us with bullshit fees. I can't believe the praise everybody has for CCbill as they take money right out of their own pockets. Charging 14.5% when the rest of the world pays 3% ????

Adult sales = High risk charges???? That's a genius term created by CCBill to justify charging 14.5%. There is NOTHING high risk about buying adult content. If the card doesn't go thru, it doesn't go thru. Where is the risk? If there is a chargeback, the webmaster pays for it. Again, where is the risk??? Why do we believe all the bullshit that comes out of CCBill and the other processors??

The whole adult processing industry is one huge wallet fuck. We are the true morons for putting up with it.

I wish I could afford a lawyer I would sue CCBill for charging $1250 a year for absolutely nothing.

Actually the way it happened was all three processors Ibill, ccbill and epoch had to do this, they had the president of ibill in a streaming meeting explain how it would work. I dont think they came up with this themselves. Adult online liked to play games with credit cards and screw consumers.Back then there were so many new consumers it didnt matter. It cost them american express, paypal and cb ratio of 1%, it was 5% a long time ago.

[tony286]

Originally Posted by tony286

Actually the way it happened was all three processors Ibill, ccbill and epoch had to do this, they had the president of ibill in a streaming meeting explain how it would work. I dont think they came up with this themselves. Adult online liked to play games with credit cards and screw consumers.Back then there were so many new consumers it didnt matter. It cost them american express, paypal and cb ratio of 1%, it was 5% a long time ago.

actually me remembering this made me feel old and I got pissed off all over again at ibill for fucking me out of 13k. lol

[Sly]

The fact that you guys keep rambling on about CCBill says that you have never attempted to obtain a merchant account. That's all the rest of us need to know.

[adultmobile]

Originally Posted by Markul

Like clockwork people come to whine about the $500. Really?

I was thinking same when I got the email from biller - here's the $500 notice

I have 5 billers and I pay the $500 up to 5 times for a same site, but I don't care much, simply because we process thousands $ a day, really our issue it is % only, the $500 is 0.0001% change. However, I do understand that for a small site a $500/year fee it may decide if site stays up or dies. I know a few people who have setup solo sites for cam girls... they asked me advice, I gave, and some made really nice things with photos and videos. As expected, no one of these sites made really any sale (why they should?), however they would have kept the site up if only they had not to renew the $500 fee every year. They put offline the site only because had to pay again the $500 fee to CCBILL or else every year, which was same or more than the sales of the site per year. This is a pity and looks unfair.

It would make more sense if this fee it was in % to the sales and so to the risk, so anyone can setup a site with no fees, and get billed only if you're doing money there - if not doing money, at least can keep up the site "just in case", at no expense except hosting, which goes really cheap anyway if you have no traffic as that's the case for who have no sales.

So is that just greed from VISA/MC? I think not. Really, the $500 fee it is not for Visa/MC to "make money": think at it, this is not that much money for them, relatively. Visa/MC do $$ with small % on big merchants, not by collecting $500 from a few guys. At the same time, they lose most money and reputation with frauds. So I think VISA/MC charge $500 just to keep out kids and cheap fraudsters, they think: whoever can't pay $500/year it is too much of a risk to even deal with - which makes sense also for someone who answered this thread and, sadly, to me. It is like Apple let pay $99 per year to publish apps in appstore, that's to keep out third word and kids who may cost lots in trouble management, not to cash $99's only (still, there's more apps in appstore than merchants, so, Apple there it may make some serious money, more than Visa/MC with those fees).

[VikingMan]

Originally Posted by adultmobile

I was thinking same when I got the email from biller - here's the $500 notice

I have 5 billers and I pay the $500 up to 5 times for a same site, but I don't care much, simply because we process thousands $ a day, really our issue it is % only, the $500 is 0.0001% change. However, I do understand that for a small site a $500/year fee it may decide if site stays up or dies. I know a few people who have setup solo sites for cam girls... they asked me advice, I gave, and some made really nice things with photos and videos. As expected, no one of these sites made really any sale (why they should?), however they would have kept the site up if only they had not to renew the $500 fee every year. They put offline the site only because had to pay again the $500 fee to CCBILL or else every year, which was same or more than the sales of the site per year. This is a pity and looks unfair.

It would make more sense if this fee it was in % to the sales and so to the risk, so anyone can setup a site with no fees, and get billed only if you're doing money there - if not doing money, at least can keep up the site "just in case", at no expense except hosting, which goes really cheap anyway if you have no traffic as that's the case for who have no sales.

So is that just greed from VISA/MC? I think not. Really, the $500 fee it is not for Visa/MC to "make money": think at it, this is not that much money for them, relatively. Visa/MC do $$ with small % on big merchants, not by collecting $500 from a few guys. At the same time, they lose most money and reputation with frauds. So I think VISA/MC charge $500 just to keep out kids and cheap fraudsters, they think: whoever can't pay $500/year it is too much of a risk to even deal with - which makes sense also for someone who answered this thread and, sadly, to me. It is like Apple let pay $99 per year to publish apps in appstore, that's to keep out third word and kids who may cost lots in trouble management, not to cash $99's only (still, there's more apps in appstore than merchants, so, Apple there it may make some serious money, more than Visa/MC with those fees).

I hereby declare this to be post of the day.

[2MuchMark]

Originally Posted by sweetcuties

I can't thank you enough for charging a $500 annual fee in addition to what I'm paying weekly... just wanted to say thanks

The Visa and (sometimes) Mastercard fees are an unfortunate cost of doing business. When a biller signs you up, they are of course expecting to make some money based on your sales. Some sites do very well and some do not, but the level of support they must provide is the same for all of those sites, and usually the cost of that support might be similar. They must also maintain a good relationship with the credit card companies themselves, deal with policy or legal changes, investigate unusual or otherwise suspect charges, etc. Short answer: They provide a ton of services for you.

If your business is good and you can afford it, pay the bill.

If business is tough or the $500.00 cost will dig into your payroll this month, contact the billing provider and ask if they can break up the payments over a few months.

If you think you deserve to get the service for free and do not want to pay this fee, send an email to your contact and let them know. Like any business, they might be able to make a deal with you to reduce the fee, or maybe even eliminate it complete.

Good luck!

[tony286]

Originally Posted by VikingMan

I hereby declare this to be post of the day.

I agree if there was a like I would a pushed it for you and him.

[Captain Kawaii]

500 x 100,000+++ not a bad haul.

At the Phoenix forum I heard the same thing as someone mentioned above about the fee being a class action waiting to happen.

I don't think it is some sort of bro badge of honor to pay an absurd fee. We pay the fees we must pay but I do not think the 500$ is legitimate. Its a chance to milk is all it is. Congrats, you've been milked.

[SekobA]

that sucks.That's huge fee

[The Porn Nerd]

Pay the money, make the money.

[StinkyPink]

Originally Posted by adultmobile

I was thinking same when I got the email from biller - here's the $500 notice

I have 5 billers and I pay the $500 up to 5 times for a same site, but I don't care much, simply because we process thousands $ a day, really our issue it is % only, the $500 is 0.0001% change. However, I do understand that for a small site a $500/year fee it may decide if site stays up or dies. I know a few people who have setup solo sites for cam girls... they asked me advice, I gave, and some made really nice things with photos and videos. As expected, no one of these sites made really any sale (why they should?), however they would have kept the site up if only they had not to renew the $500 fee every year. They put offline the site only because had to pay again the $500 fee to CCBILL or else every year, which was same or more than the sales of the site per year. This is a pity and looks unfair.

It would make more sense if this fee it was in % to the sales and so to the risk, so anyone can setup a site with no fees, and get billed only if you're doing money there - if not doing money, at least can keep up the site "just in case", at no expense except hosting, which goes really cheap anyway if you have no traffic as that's the case for who have no sales.

So is that just greed from VISA/MC? I think not. Really, the $500 fee it is not for Visa/MC to "make money": think at it, this is not that much money for them, relatively. Visa/MC do $$ with small % on big merchants, not by collecting $500 from a few guys. At the same time, they lose most money and reputation with frauds. So I think VISA/MC charge $500 just to keep out kids and cheap fraudsters, they think: whoever can't pay $500/year it is too much of a risk to even deal with - which makes sense also for someone who answered this thread and, sadly, to me. It is like Apple let pay $99 per year to publish apps in appstore, that's to keep out third word and kids who may cost lots in trouble management, not to cash $99's only (still, there's more apps in appstore than merchants, so, Apple there it may make some serious money, more than Visa/MC with those fees).

This is exactly why I sell kittens for $50 or mixed puppies for $100. It's been awhile since I have had any furry munchkins, but when I did I would ratthr charge a fee to be sure no rascals got them. Many people will just walk down the street with a box that says FREE, and everyone and their mommas gets one because they can. It will likely become abandoned, unable to grow into the beautiful cat or dog it can be with a responsible owner.

[NETbilling]

There is so much misinformation in this my thread it is humorous.

Mitch

[ruff]

Originally Posted by geedub

You should quit adult and become a comedian because you're pretty fucking good at telling jokes.

There is no money in porn so I did quit and now I'm a comedian.

[lagcam]

NewOldPlayer wants the best of both worlds without really understanding how either works.

He bitches about cheaper processing rates and no annual fee Zombaio because they pay too slow and he bitches about fast paying ccbill because they charge annual fees and more for their processing.

I agree it would be great if ccbill charged Zombaio's rates or Zombaio paid out as fast as ccbill. Same it would be great if I had brains and beauty (or either actually), but as the expression goes, "when life gives you lemons make lemonade"....

The way I look at it is that the savings that I make by using Zombaio more than pay for the cost of using ccbill and epoch also and by using ccbill and epoch whose payments I can count on arriving on time every time, Zombaio paying late is not such a major issue to my cashflow.

[NewOldPlayer]

Originally Posted by AdultKing

NewOldPlayer, you're deluded.

There is a cost to process high risk, anything high risk will cost more - if you don't understand that you're a fool.

Really? What is the "cost" ??? Can you explain it? Do you even know what you are talking about??

IF there is a charge back, the banks clean up. Banks don't take a loss on anything. They make money on charge backs out of your pocket.

So explain the "risk" ? You can't, because there is NO risk. The card charge goes thru at the time of purchase, or it does not. IF the buyer gets a charge back, the webmaster pays the fees.

So where is the Risk??

The Risk is somebody finding out there really is NO Risk and suing CCBill et al for financial fraud and abuse of the system.

Visa and Mastercard are not collecting the annual fees, CCBill, et al, is.

How else do you think Zombaio can waive the fee? BECAUSE THERE ISN'T A REAL FEE TO BEGIN WITH. IT'S MADE UP.

[AdultKing]

Originally Posted by NewOldPlayer

Really? What is the "cost" ??? Can you explain it? Do you even know what you are talking about??

Yes I do, I deal with merchant acquirers every day of the week.

IF there is a charge back, the banks clean up. Banks don't take a loss on anything. They make money on charge backs out of your pocket.

So explain the "risk" ? You can't, because there is NO risk. The card charge goes thru at the time of purchase, or it does not. IF the buyer gets a charge back, the webmaster pays the fees.

So where is the Risk??

The risk comes in many forms, one is the risk of fraudulent transactions. You may not know this but there are forums dedicated to the buying and selling of stolen credit cards. When a transaction is placed using a stolen credit card the banks wear the loss. The owner of the credit card is not ultimately liable, the transaction is reversed but there is still a cost to that transaction.

It costs a tremendous amount of money to run the networks operated by the two major card associations, higher risk transactions place greater pressure on everyone from the banks, the acquirers, the merchant account holders and ultimately this is borne by the consumer.

[OldJeff]

Originally Posted by NewOldPlayer

Really? What is the "cost" ??? Can you explain it? Do you even know what you are talking about??

IF there is a charge back, the banks clean up. Banks don't take a loss on anything. They make money on charge backs out of your pocket.

So explain the "risk" ? You can't, because there is NO risk. The card charge goes thru at the time of purchase, or it does not. IF the buyer gets a charge back, the webmaster pays the fees.

So where is the Risk??

The Risk is somebody finding out there really is NO Risk and suing CCBill et al for financial fraud and abuse of the system.

Visa and Mastercard are not collecting the annual fees, CCBill, et al, is.

How else do you think Zombaio can waive the fee? BECAUSE THERE ISN'T A REAL FEE TO BEGIN WITH. IT'S MADE UP.

Can you count to potato ?

[Bourke]

Originally Posted by NewOldPlayer

Really? What is the "cost" ??? Can you explain it? Do you even know what you are talking about??

IF there is a charge back, the banks clean up. Banks don't take a loss on anything. They make money on charge backs out of your pocket.

So explain the "risk" ? You can't, because there is NO risk. The card charge goes thru at the time of purchase, or it does not. IF the buyer gets a charge back, the webmaster pays the fees.

So where is the Risk??

The Risk is somebody finding out there really is NO Risk and suing CCBill et al for financial fraud and abuse of the system.

Visa and Mastercard are not collecting the annual fees, CCBill, et al, is.

How else do you think Zombaio can waive the fee? BECAUSE THERE ISN'T A REAL FEE TO BEGIN WITH. IT'S MADE UP.

What is it you DO NewOldPlayer? What do you own or run? Do you have any experience with billing and banking other than having an IPSP bill for you? Where did you get this misinformation, or did you just "figure it out" for yourself?

[Sly]

Originally Posted by NewOldPlayer

Really? What is the "cost" ??? Can you explain it? Do you even know what you are talking about??

IF there is a charge back, the banks clean up. Banks don't take a loss on anything. They make money on charge backs out of your pocket.

So explain the "risk" ? You can't, because there is NO risk. The card charge goes thru at the time of purchase, or it does not. IF the buyer gets a charge back, the webmaster pays the fees.

So where is the Risk??

The Risk is somebody finding out there really is NO Risk and suing CCBill et al for financial fraud and abuse of the system.

Visa and Mastercard are not collecting the annual fees, CCBill, et al, is.

How else do you think Zombaio can waive the fee? BECAUSE THERE ISN'T A REAL FEE TO BEGIN WITH. IT'S MADE UP.

Do you by any chance like the word "PIRIOD?"

[adultmobile]

Originally Posted by VikingMan

I hereby declare this to be post of the day.

I printed this and it stands on my wall

[CaptainHowdy]

[videosc]

I've got a way to settle this once and for all: let's all drop Visa/MC and only accept the Discover card!

[AmeliaG]

Originally Posted by NewOldPlayer

Really? What is the "cost" ??? Can you explain it? Do you even know what you are talking about??

IF there is a charge back, the banks clean up. Banks don't take a loss on anything. They make money on charge backs out of your pocket.

So explain the "risk" ? You can't, because there is NO risk. The card charge goes thru at the time of purchase, or it does not. IF the buyer gets a charge back, the webmaster pays the fees.

So where is the Risk??

The Risk is somebody finding out there really is NO Risk and suing CCBill et al for financial fraud and abuse of the system.

Visa and Mastercard are not collecting the annual fees, CCBill, et al, is.

How else do you think Zombaio can waive the fee? BECAUSE THERE ISN'T A REAL FEE TO BEGIN WITH. IT'S MADE UP.

You'd really do better on this board (if you are a real person and not a fake nick), giving some indication of who you are and what you do.

Times are tough. Better than 2009 maybe, but tough. It is easy to feel like you are being held down, no matter what you do.

The unfortunate fact of the matter with billing is that it is a high potential and high risk business. The yearly fees suck for people who run programs. No matter how much a program is making, $500 is money. $500 can buy stuff. $500 can help a charity. As most programs use multiple billers and accept both Visa and MC, that adds up to much more than $500.

But a biller like Zombaio, who does not have the cushion of such fees and higher rates . . . well, it may take them a while to recover if they get a little behind. I haven't noticed you being terribly understanding about that, so you might want to think about what your priorities are. Like lagcam said, you can't get the best of both worlds.

[bean-aid]

I'm not going to get into this much except ask yourself this:

How can you be quoted 4 different H/R Visa/Mastercard fees by 4 different processors? What is Visa/Mastercard taking... surely it can't be different per biller, can it?

And I am talking US residents, quotes from US billers/ISO's

[rowan]

Originally Posted by adultmobile

I have 5 billers and I pay the $500 up to 5 times for a same site [...]

I thought the yearly fee was per site, passed straight through to Visa/MC? In other words, you pay once per year per site, regardless of how many billers you are using.

[SomeCreep]

Over time, the mastercard and visa fees will go up. In the years to come it will be a $1000 annual fee.