EPOCH will answer any questions on credit card processing for the next 2 hours - Page 2 - GoFuckYourself.com

Pinkpays · 05-01-2003, 12:46 PM

Quote:

believe tech was making changes to allow this. I will see that this is done.

ok.....Ampro told me 2 months...I hope your programmers work faster then that...

Matt

Mutt · 05-01-2003, 12:47 PM

"The customers are ours, we provide technical and customer support, we are responsible for chargebacks, and Webmasters drive traffic to our site and consumers purchase a password that grants them access to our network of sites," said Cory Hedgepeth, Adult Check's head of public relations and marketing.

Access to whose network of sites? Who OWNS the sites in that network of sites? Not you. Surfers purchase access to sites NOT owned by you THROUGH you. You are a HRIPSP, you just don't know it yet.

no idea what VISA is going to do with respect to AVSes but that argument is specious.

Chris Mallick · 05-01-2003, 12:47 PM

Quote:

Originally posted by MrPheer

Ok you obviously didnt understand my question, I'll rephrase it.

I closed my site almost three years ago, you've been holding $12k of my money. My last chargeback was September 1st. ok... now when does my money get released?

Contact [email protected] with your account details.

However, I seriously doubt that we are holding your reserves. If you were not a primary account holder we never held your reserves.

Epoch · 05-01-2003, 12:48 PM

Quote:

Originally posted by Pinkpays

ok.....Ampro told me 2 months...I hope your programmers work faster then that...

Matt

stange, I will get this done

Clay
EPOCH

Mr Pheer · 05-01-2003, 12:49 PM

Quote:

Originally posted by Chris Mallick

Contact [email protected] with your account details.

However, I seriously doubt that we are holding your reserves. If you were not a primary account holder we never held your reserves.

I'll bet you the whole reserve amount that you ARE holding them.

EscortBiz · 05-01-2003, 12:50 PM

What is the absolute biggest headache in running a billing company?

Chris Mallick · 05-01-2003, 12:51 PM

Quote:

Originally posted by MrPheer

I'll bet you the whole reserve amount that you ARE holding them.

My Daddy told me not to take another man's bet, so no thanks. If you email Jeff Thaler with the MasterCode and Company Codes he will let you know. It is strange that the first time I am hearing about this is on GFY.

Loseff · 05-01-2003, 12:52 PM

What is an average percentage of rejected non-US card in your transactions? As I got from your answer, it is a good idea to have processing companies in different regions and there is no all-in-one solutions currently presents, is it?

Chris Mallick · 05-01-2003, 12:52 PM

Quote:

Originally posted by EscortBiz
What is the absolute biggest headache in running a billing company?

Working with Clay Andrews.

Epoch · 05-01-2003, 12:52 PM

Quote:

Originally posted by EscortBiz
What is the absolute biggest headache in running a billing company?

Working with Chris Mallick!

Mr Pheer · 05-01-2003, 12:53 PM

Quote:

Originally posted by Chris Mallick

My Daddy told me not to take another man's bet, so no thanks. If you email Jeff Thaler with the MasterCode and Company Codes he will let you know. It is strange that the first time I am hearing about this is on GFY.

Account code is 204. And obviously you guys never talk to Rand or Amparo. I'm tired of talking to Amparo. I've only been bitching about this for months. I want to open another site but dont see why I should send in $750 for visa fees when you can just take the $750 out of the money you've been holding for three years.

Mr Pheer · 05-01-2003, 12:54 PM

And i really didnt want to bring my business to GFY but i seem to get ignored otherwise.

Chris Mallick · 05-01-2003, 12:54 PM

Quote:

Originally posted by Loseff
What is an average percentage of rejected non-US card in your transactions? As I got from your answer, it is a good idea to have processing companies in different regions and there is no all-in-one solutions currently presents, is it?

I can't give you numbers. But don't misunderstand my answer. Maybe my answer was not clear.

It is just a fact that risk is more difficult to maage on cards outside the USA. That would be true for any processor.

m0rph3us · 05-01-2003, 12:54 PM

Does running free 30 minute trials and doing cross-sales (to your own sites) increase CB ratios?

What are the cons (customer service isn't really one) for having a merchant account and running it via epoch?

Chris Mallick · 05-01-2003, 12:56 PM

Quote:

Originally posted by MrPheer
And i really didnt want to bring my business to GFY but i seem to get ignored otherwise.

We are all available here at EPOCH. If you did not get the answer you were looking for I am sure it is becasue of your particular situation. We will look into this immediately and reply to you via email, assuming you are correct.

Epoch · 05-01-2003, 12:58 PM

Quote:

Originally posted by EscortBiz
What is the absolute biggest headache in running a billing company?

Actually the biggest headache by far is dealing with the changes made by the card associations. Last year it was VISA and the IPSP registration. This year we have changes from Mastercard...

Clay
EPOCH

Mr Pheer · 05-01-2003, 12:58 PM

Quote:

Originally posted by Chris Mallick

We are all available here at EPOCH. If you did not get the answer you were looking for I am sure it is becasue of your particular situation. We will look into this immediately and reply to you via email, assuming you are correct.

I emailed Jeff before and got no answer at all. i just emailed him again. I just want to open another site, or get my $12k back. I would be equally happy with either situation.

Chris Mallick · 05-01-2003, 12:59 PM

Quote:

Originally posted by m0rph3us
Does running free 30 minute trials and doing cross-sales (to your own sites) increase CB ratios?

What are the cons (customer service isn't really one) for having a merchant account and running it via epoch?

1. No.

2. None if you are prepared to accept the risks of card association fines. For example: 15 chargebacks on MasterCard transactions is a $25K fine, month 1 and it gets worse. This assumes you can find a bank that will give you a high risk account.

Chris Mallick · 05-01-2003, 01:01 PM

Quote:

Originally posted by MrPheer

I emailed Jeff before and got no answer at all. i just emailed him again. I just want to open another site, or get my $12k back. I would be equally happy with either situation.

Jeff will be back to you in an hour or so. He is out right now.

As for the $750, we don't move money from one account to another. It causes accounting issues.

I am sure Jeff will sort you out.

assistant27 · 05-01-2003, 01:02 PM

Quote:

Originally posted by Chris Mallick

1. No.

2. None if you are prepared to accept the risks of card association fines. For example: 15 chargebacks on MasterCard transactions is a $25K fine, month 1 and it gets worse. This assumes you can find a bank that will give you a high risk account.

Are these MC and VISA fines soo high only on high risk merchant accts (adult) or on mainstream merchant accts too?

Chris Mallick · 05-01-2003, 01:06 PM

Quote:

Originally posted by assistant27

Are these MC and VISA fines soo high only on high risk merchant accts (adult) or on mainstream merchant accts too?

You know the answer to that one. Just for us. What really pisses me off is that "high risk merchants" have lower chargebacks than "mainstream merchants". But we are an easy target.

Chris Mallick · 05-01-2003, 01:09 PM

Quote:

Originally posted by MrPheer

I emailed Jeff before and got no answer at all. i just emailed him again. I just want to open another site, or get my $12k back. I would be equally happy with either situation.

He has emailed you.

drops · 05-01-2003, 01:10 PM

Can I steal Amparo away from you and make her my own?

Epoch · 05-01-2003, 01:12 PM

Quote:

Originally posted by drops
Can I steal Amparo away from you and make her my own?

Notta chance.

Clay
EPOCH

assistant27 · 05-01-2003, 01:15 PM

Quote:

Originally posted by Chris Mallick

You know the answer to that one. Just for us. What really pisses me off is that "high risk merchants" have lower chargebacks than "mainstream merchants". But we are an easy target.

The following are the maximum chargeback ratios allowed on Mainstream merchant accts:

Visa >2.50%
MasterCard >2.50%

Beyond these limits, fines are assessed from $25.00 to
$50.00 per transaction with significant increases if the
situation continues, including added review and
administration fees that can go as high as $25,000 and $500
respectively.

But soo far I didnt hear about anyone yet, enforcing this policy on mainstream merchants.

Chris Mallick · 05-01-2003, 01:18 PM

Quote:

Originally posted by assistant27

The following are the maximum chargeback ratios allowed on Mainstream merchant accts:

Visa >2.50%
MasterCard >2.50%

Beyond these limits, fines are assessed from $25.00 to
$50.00 per transaction with significant increases if the
situation continues, including added review and
administration fees that can go as high as $25,000 and $500
respectively.

But soo far I didnt hear about anyone yet, enforcing this policy on mainstream merchants.

Yes, but for high risk MC is 1% and Visa has non US thresholds as well and th efine amounts are higher.

And you are correct, in so far as I have never heard of a mainstream merchant being fined.

lagwagon · 05-01-2003, 01:22 PM

could god make a stone so heavy that even he could not lift?

Chris Mallick · 05-01-2003, 01:24 PM

Quote:

Originally posted by lagwagon
could god make a stone so heavy that even he could not lift?

Yes.

ronin · 05-01-2003, 01:24 PM

What's the deal with Master Card?? Things to come??

assistant27 · 05-01-2003, 01:27 PM

Another q. regarding "Factoring".

Are billers not properly registered with visa and mc, ilegal?

This is called factoring or money laundering. People come in
contact with online merchants all the time who got "Ripped
Off" from another company they used to process their credit
cards. Online merchant never got paid, but this company still continue to process credit cards of their "clients" ex

members on paysite).

example: oxbill.com , which was debated this week.

Gunni · 05-01-2003, 01:27 PM

Do you dispute chargebacks, and try to get the money back?

Epoch · 05-01-2003, 01:28 PM

Quote:

Originally posted by ronin
What's the deal with Master Card?? Things to come??

Yes things to come. More in regards to how we process transactions. You will probably see some alterations in the join process for MC transactions soon.

Clay
EPOCH

Epoch · 05-01-2003, 01:30 PM

Quote:

Originally posted by Gunni
Do you dispute chargebacks, and try to get the money back?

Yes, we fight in some cases.

Clay
EPOCH

drops · 05-01-2003, 01:30 PM

Quote:

Originally posted by Epoch

Yes things to come. More in regards to how we process transactions. You will probably see some alterations in the join process for MC transactions soon.

Clay
EPOCH

Will this reduce the amount of MC Credits?

Chris Mallick · 05-01-2003, 01:32 PM

Quote:

Originally posted by assistant27
Another q. regarding "Factoring".

Are billers not properly registered with visa and mc, ilegal?

This is called factoring or money laundering. People come in
contact with online merchants all the time who got "Ripped
Off" from another company they used to process their credit
cards. Online merchant never got paid, but this company still continue to process credit cards of their "clients" exmembers on paysite).

example: oxbill.com , which was debated this week.

Not illegalas in against the law. But certainly out of Visa / MC compliance and they are therefore likely to be terminated.

I think the term you are looking for here is credit card laundering, which is a form of money laundering. Bottom line: Only Merchants can touch the money. We at EPOCH learned a painful lesson on this very subject 4 years ago. We are in litigation today as a result and suffered a loss of millions and reputaion in the process. We did however pay back every single penny.

Epoch · 05-01-2003, 01:33 PM

Quote:

Originally posted by drops

Will this reduce the amount of MC Credits?

This should not have any affect on credits

Clay
EPOCH

BrettJ · 05-01-2003, 01:34 PM

most of the good questions - have to do with stats -

what's the value in posting here - if you won't give aggregate numbers.

and i'm not just singling you out - most of the processors don't talk stats. sorry if it just came out that way - our primary is ccbill and they are the same way.

my contention - is that part of sales (and you're in the business of sales) is service after the sale. So i become a customer of epoch or ccbill - you're obligated - in my mind - to make sure i know what parts of your system - i would benefit from using.

ie. cross sells, check processing, denial processing, 30 minute trials, cancel discounts - etc - if these things will increase sales by X - you should be telling that.

to say - it increases transactions on average 6-10% - isn't giving away private information - for what www.x.com site is doing.

i wish processors would be more helpful - after accounts are set up - to make sure their customers are taking full advantage of those tools they have - to increase transactions - (which is good for all parties)

lagwagon · 05-01-2003, 01:38 PM

Quote:

Originally posted by Chris Mallick

Yes.

but then he is not the almight being. hmm doesnt make sense.

Chris Mallick · 05-01-2003, 01:39 PM

Quote:

Originally posted by BrettJ
most of the good questions - have to do with stats -

what's the value in posting here - if you won't give aggregate numbers.

and i'm not just singling you out - most of the processors don't talk stats. sorry if it just came out that way - our primary is ccbill and they are the same way.

my contention - is that part of sales (and you're in the business of sales) is service after the sale. So i become a customer of epoch or ccbill - you're obligated - in my mind - to make sure i know what parts of your system - i would benefit from using.

ie. cross sells, check processing, denial processing, 30 minute trials, cancel discounts - etc - if these things will increase sales by X - you should be telling that.

to say - it increases transactions on average 6-10% - isn't giving away private information - for what www.x.com site is doing.

i wish processors would be more helpful - after accounts are set up - to make sure their customers are taking full advantage of those tools they have - to increase transactions - (which is good for all parties)

I understand your frustration. But the fact is that these stats belong to our client's. Once you are a client, you know what they are. To get your business we rely on word of mouth and the hope that webmasters will look at our revenue generating features. We think we have more than anyone else. We publish some of these at epochsystems.com/sales. It shows our features and some of those that particiapte in cross sells, etc.

I suspect that if we did publish stats that very few people would believe them.

Chris Mallick · 05-01-2003, 01:40 PM

Quote:

Originally posted by lagwagon

but then he is not the almight being. hmm doesnt make sense.

I do not agree. Being almighty means you can do whatever you want, just like Kimmy.

lagwagon · 05-01-2003, 01:42 PM

Quote:

Originally posted by Chris Mallick

I do not agree. Being almighty means you can do whatever you want, just like Kimmy.

but if he can make a stone that even he cant lift then he is not almighty, i.e. he cant lift the rock he just made.

Chris Mallick · 05-01-2003, 01:44 PM

Quote:

Originally posted by lagwagon

but if he can make a stone that even he cant lift then he is not almighty, i.e. he cant lift the rock he just made.

Wrong again Grasshopper.

If He chose to make a stone that heavy He could. I knoiw this is confusing.

BrettJ · 05-01-2003, 01:45 PM

Quote:

Originally posted by Chris Mallick
Once you are a client, you know what they are.

;)

Quote:

Originally posted by Chris Mallick

...and the hope that webmasters will look at our revenue generating features.

but systems that have been a work in progress ... like yours and ccbill ... are extremely complex systems... I'm in the paysite game for 2 yrs now ... and i'm still learning finding out about features that have been in the system for years....

it's a horrible policy to let your clients stumble through the system that you built .... hoping that they will come upon a tool that can materially change revenue, retention, and their margins

Kel · 05-01-2003, 01:47 PM

Quote:

Originally posted by sexyclicks
who will win the American Idol contest?

Co-winners:

AaronM and Kimmy Kim

Chris Mallick · 05-01-2003, 01:47 PM

Quote:

Originally posted by BrettJ

but systems that have been a work in progress ... like yours and ccbill ... are extremely complex systems... I'm in the paysite game for 2 yrs now ... and i'm still learning finding out about features that have been in the system for years....

it's a horrible policy to let your clients stumble through the system that you built .... hoping that they will come upon a tool that can materially change revenue, retention, and their margins

Epoch clients get regualr emails and announcements from Rand with features as they are released. We will send Tech Support to your offices if you need that sort of help, to integrate features.

We want all Epoch clients to use all Epoch features because we will all make more money.

I agree that the system is flawed, but we try.

Suggestions are always welcome.

TheGoldenChild · 05-01-2003, 01:48 PM

when does KB enter the fray of exciting webmasters who promote EPassporte?

Second, What day can I bring my group by to meet with you guys?

I'll be in LA next week !

Chris say hi to everyone over there for me!

Epoch · 05-01-2003, 01:49 PM

Quote:

Originally posted by Kel

Co-winners:

AaronM and Kimmy Kim

I have to disagree Kimmy Kim couldn't carry a tune in a bucket

Clay
EPOCH

[Labret] · 05-01-2003, 01:51 PM

How much coke did you buy with all that money you absconded with?

Chris Mallick · 05-01-2003, 01:51 PM

Quote:

Originally posted by kBizzle
when does KB enter the fray of exciting webmasters who promote EPassporte?

Second, What day can I bring my group by to meet with you guys?

I'll be in LA next week !

Chris say hi to everyone over there for me!

KB... enter anytime you want. We are ready! Call Kimmy to get on the list.

When you are in LA call us and come by anytime. you know you are always welcome. Pizza or Sushi?

Chris Mallick · 05-01-2003, 01:53 PM

Quote:

Originally posted by [Labret]
How much coke did you buy with all that money you absconded with?

I thought you retired?
But, wtf are you talking about, bitch?
(Get the popcorn out folks... its on!)

05-01-2003, 12:47 PM	#52
Mutt Too lazy to set a custom title Industry Role: Join Date: Sep 2002 Posts: 34,431	"The customers are ours, we provide technical and customer support, we are responsible for chargebacks, and Webmasters drive traffic to our site and consumers purchase a password that grants them access to our network of sites," said Cory Hedgepeth, Adult Check's head of public relations and marketing. Access to whose network of sites? Who OWNS the sites in that network of sites? Not you. Surfers purchase access to sites NOT owned by you THROUGH you. You are a HRIPSP, you just don't know it yet. no idea what VISA is going to do with respect to AVSes but that argument is specious. __________________ I moved my sites to Vacares Hosting. I've saved money, my hair is thicker, lost some weight too! Thanks Sly!

05-01-2003, 12:50 PM	#56
EscortBiz Fuck Checks, CASH only! Join Date: May 2002 Location: New York City Posts: 19,422	What is the absolute biggest headache in running a billing company? __________________ Spanking, Medical Fetish, Sleeping, Strap-on Anal Lesbians, Girls Fucking Guys, Handjob site REAL HOT, Shemales, Anal and Ass Licking sites 100% Real EXCLUSIVE with amazing retention, ccbill payouts, lots of content FREE FTP HOSTING Promote the largest and oldest member paid escort site, Converts 10 times better then any dating site, CCBill payouts ICQ# 158802076

05-01-2003, 12:54 PM	#62
Mr Pheer Retired Industry Role: Join Date: Dec 2002 Posts: 21,361	And i really didnt want to bring my business to GFY but i seem to get ignored otherwise. __________________ 2 lifeguards for Jessica

05-01-2003, 01:10 PM	#73
drops Confirmed User Join Date: Feb 2002 Location: So. Cal. Posts: 1,116	Can I steal Amparo away from you and make her my own? __________________ <img src=http://porndollar.com/webmasters/banners/porndollar/120x60_25_pd.gif border=0><br>$84 Per Signup \| $25 Per Free Signup \| $20 Per Cross Sales \| Credits On Exits \| Paid Weekly <br>Contact Info. http://porndollar.com/support.html

05-01-2003, 01:22 PM	#77
lagwagon Confirmed User Join Date: Jul 2001 Location: az Posts: 8,464	could god make a stone so heavy that even he could not lift? __________________ FTVGirls - FTVMilfs - DanielleFTV

05-01-2003, 12:52 PM	#58
Loseff Registered User Join Date: Jan 2003 Posts: 11	What is an average percentage of rejected non-US card in your transactions? As I got from your answer, it is a good idea to have processing companies in different regions and there is no all-in-one solutions currently presents, is it?

05-01-2003, 12:54 PM	#64
m0rph3us Confirmed User Join Date: Mar 2001 Location: Principality of Sealand Posts: 2,033	Does running free 30 minute trials and doing cross-sales (to your own sites) increase CB ratios? What are the cons (customer service isn't really one) for having a merchant account and running it via epoch?

05-01-2003, 01:24 PM	#79
ronin Confirmed User Join Date: Aug 2002 Location: Main St. Posts: 1,300	What's the deal with Master Card?? Things to come??

05-01-2003, 01:27 PM	#80
assistant27 So Fucking Banned Join Date: Mar 2003 Posts: 256	Another q. regarding "Factoring". Are billers not properly registered with visa and mc, ilegal? This is called factoring or money laundering. People come in contact with online merchants all the time who got "Ripped Off" from another company they used to process their credit cards. Online merchant never got paid, but this company still continue to process credit cards of their "clients" exmembers on paysite). example: oxbill.com , which was debated this week.

05-01-2003, 01:27 PM	#81
Gunni Confirmed User Industry Role: Join Date: Apr 2003 Location: Barcelona Posts: 2,385	Do you dispute chargebacks, and try to get the money back?

05-01-2003, 01:34 PM	#87
BrettJ ol' timer Industry Role: Join Date: Jan 2001 Location: Seattle WA Posts: 4,715	most of the good questions - have to do with stats - what's the value in posting here - if you won't give aggregate numbers. and i'm not just singling you out - most of the processors don't talk stats. sorry if it just came out that way - our primary is ccbill and they are the same way. my contention - is that part of sales (and you're in the business of sales) is service after the sale. So i become a customer of epoch or ccbill - you're obligated - in my mind - to make sure i know what parts of your system - i would benefit from using. ie. cross sells, check processing, denial processing, 30 minute trials, cancel discounts - etc - if these things will increase sales by X - you should be telling that. to say - it increases transactions on average 6-10% - isn't giving away private information - for what www.x.com site is doing. i wish processors would be more helpful - after accounts are set up - to make sure their customers are taking full advantage of those tools they have - to increase transactions - (which is good for all parties)

05-01-2003, 01:48 PM	#96
TheGoldenChild Confirmed User Join Date: May 2002 Location: Pacific Palisades Posts: 6,940	when does KB enter the fray of exciting webmasters who promote EPassporte? Second, What day can I bring my group by to meet with you guys? I'll be in LA next week ! Chris say hi to everyone over there for me! __________________

05-01-2003, 01:51 PM	#98
[Labret] Registered User Industry Role: Join Date: May 2001 Location: Са́нкт-Петербу́рг Posts: 10,945	How much coke did you buy with all that money you absconded with?