And 50 it is.

Regards,

SexySarah

50 :BangBang:

Hugs,
p00p

:321GFY

Lick my ring.

Regards,

SexySarah

Suck my scrotum.

Hugs,
p00p

Buy me dinner first.

Regards,

SexySarah

That wouldn't make any sense at all. Who would the "bait and switch" be pulled on? Predominantly, no fee campaigns attract those that aren't as profitable. That is just a fact.

This company doesn't need to be greedy with AC Pay in order to make money; AC Pay or not, we are one of (if not the most) profitable company in the industry to date. Hell, we have banking relations that are larger and more extensive than the processors that are very adored on this board; that is a fact. We definitley have the deepest arsenal of attorneys to protect it.

I realize up front that I will simply get told to "go fuck myself." But that isn't why I avoid posting here.

Take the time to look deep into all of the issues. Honestly, have you ever thought that it might be a bad idea to ramble on these boards about subjects such as this one (among others)?

My guess would be no.

If you want to take the above as sarcastic, feel free; if you want to do real business and you want to discuss ways to make things better, call me up. That is how I do business.

Cory
800 627 2553 ext: 3550

BTW,

Hottoddy, that wasn't a direct post towards you; general.

Atleast your straightforward and honest, do you have icq?

while clients within the United States and Canada will be subject to a $750 fee. For clients doing business within the United States or Canada that have already registered with VISA through an IPSP, the $750 fee will be waived and they need only pay $350, with proper proof of registration. For clients with a certain transaction volume, AC Pay may, at it's discretion, waive some or all of the annual fees, on a per-case basis. Future clients will be required to pay fees to AC Pay before processing can begin. Existing clients will be sent a bill, as necessary.
hahahahahahahahahahahahahahahahahahahahahahahahaha hahahahahahahahahahahahahahahahahahahahahahahahaha hahahahahahahahahahahahahaha=

Hold up a second. I did the paperwork for two different billing companies.

WHEN DID CANADIAN COMPANIES HAVE TO PAY $750.00 TO REGISTER? That sounds a little fishy to me. In fact, Canadian companies can't pay anywhere. Wassup?

In fact, who is AC pay?

AdultCheck

So, how soon until they hammer down on affiliate programs and say only US paysites can have US affiliates?

AdultCheck has better banking relationships than the major processors?

So Adult Check has a processor.

Why is adult check charging canadian webmasters a fee for Visa Regs, when it's common knowledge that Canadian companies cannot register since it's against said Visa Regs?

Anyone?

That is a valid question. As of last week there was no Canadian bank that was acquiring high risk, as evidenced by the CCBill statement regarding their potential for trying to get one that would do it.

Next comment is that if you've paid with Jettis, or paid with Epoch, you still have to pay with CCBill or any other properly registered and compliant processor in order to acquire.

Now, my last and most important question...

Where is ACPay settling their transactions? Are the using a US merchant account? A European one? One somewhere else? They have them all over the world and will be properly acquiring within the regions for the merchants in those regions and will be breaking them down on a region by region basis when they settle?

Because if not, registration fee or not, it seems to me that they would still be in violation of the cross border acquisition policies and would be in danger of having Visa compliance shut them down.

Perhaps I'm wrong here and they've made some kind of incredible deal with Visa that was not offered to any of the other IPSPs, but if I were about to pay them any money, I would want the answers and the proof to these questions.

Because if not, registration fee or not, it seems to me that they would still be in violation of the cross border acquisition policies and would be in danger of having Visa compliance shut them down.

Perhaps I'm wrong here and they've made some kind of incredible deal with Visa that was not offered to any of the other IPSPs, but if I were about to pay them any money, I would want the answers and the proof to these questions.
------------555555555555555------------------

Kimmy,

If this is the case, that ACPays got a better deal, then I could understand everyone flocking to them.

Right now, all I see is some shady stuff. Will someone from ACPays explain this? The 350.00 registration fee that you say a new company has to pay, how much is that for visa regs for current and or future regional charges?

To me it seems they are doing a little self policing before the hammer falls in earnest....Better to be 90% in compliance than 20%.

Pretty curious about what countries they will accept...ie what does "Clients outside of the USA and Canada" mean specifically.

Self policing? Because they weren't registered properly to start with? That doesn't sound like self policing, it sounds like someone trying to get out of a hole.

Who gets this money anyway? They are giving 500 of it to Visa? and the rest to their bank?

I wonder what Visa thinks of this, if they even know.

I also wonder if [email protected] goes anywhere lol.

If you're talking about filing suit against the card associations ...

Well, WSB did that and look at what happened to them. :1orglaugh

IMHO, it's IMPOSSIBLE to know for sure how compliant any processor is these days.

Unfortunately, most of the true facts are not available until it's too late.

Interesting stuff.....

AC Pay - I would like to know the answer to these questions as well. Because even though I wanted to go with AC Pay, I need to know if I would be Visa compliant if I were to use say CCBill or Epoch and AC Pay together.

This is an extremely serious question. I am an EU Merchant and I have set up but not used yet AC Pay as a secondary on EU registered URL's.

Obviously if compliancy is not assured I don't want to be doing this.

This industry is becoming one big :1orglaugh !

It's like every week a new "bend over and take some more rules in the ass" story.

The funny part is like anything the more you make it harder to get the more people want it and will pay through the nose for it.

For sharp operators with creative billing systems, there are going to be some very big, big bucks to be made.

I know I will sound like a shit but I am glad this is happening its a thinning of the herd . Small webmasters will have to pay or get out. The more expensive it gets to get in this business, the more responsible it will get, you will see less of a "I dont give a fuck attitude" when you have skin in the game.

A friend just sent this to me:
from the glo-bill message board....
************************************************
At the current time, Glo-Bill has no plans to charge any registration fees. Glo-Bill remains in full compliance with all the rules and regulations in the region of the world where it processes. Should the rules and regulations change at some future time, Glo-Bill will notify its clients as soon as possible. At the present moment, we do not anticipate any change in the way we conduct our business.
best regards,

Client Relations
Glo-Bill.com

I have one thing to say about this: MPA2

:winkwink:

I think he is talking about other options than credit cards. MPA2 only works if there is companies to process credit cards.

How about gfy requiring a fee to post here so less webmasters could bullshit around? :1orglaugh (not a personal attack towards you Tony)

Besides I don't really wanna contribute to VISA's billion dollars fund raising from adult industry scheme.

I wouldnt mind actually, the tone would be much more business like. I like paying for things, its a excellent filtering process. lol

Depends who's out to get you.

I just quit smoking so I am a bit aggravated right now; not too mention the fact that I lost my car at the Glendale Galleria for two hours.

I will gather my thoughts and attempt an informative post in the morning :)

In no way shape or form was I intending to slander the competition; just validating my company's place in the industry.

My icq is: 148382046

Feel free to contact me with questions, I am not as bad as the reputation that precedes me :)

With all your lawyers, experience, and processing power...please come up with a viable solution or suggestions for Canadian webmasters.
In the letter I got from ACPay I was told I would have to pay $750, which isn't a problem. The complications of establishing a U.S. presence are, and your letter did not mention whether this was necessary or not.

Regards,

p00p

AC Cory:

I am posting because our name has been brought up several times and also, because yesterday was One Year for me of not smoking, after 23 years of puffing my brains out! Good luck. Buy gum. Punch things.

Now, for business:

Should I welcome you to the wonderful (yet small) world of IPSP?s here in Visa USA? I guess so based upon the fee news from yesterday. Good luck and we hope to have a positive dialog with you and AC Pay. Competition is a good thing. Communication is better.

You can always email me at [email protected]

C

Looking forward to that informative post ;)

And good luck on quiting smoking, yeah punching stuff works wonders for stress. Any Visa reps around??

:Graucho

Mmmm... Nope.

Electracash for checks and NoCreditCard for dialer are part of the MPA2 too, so that is not correct. Also, we have added Netbilling for those using their own merchant account. :Buck:

The fact of the matter is, this company made a major mistake. Did we make a mistake in our dealings with Visa? No. We made a marketing mistake which in turn created a mess. By not charging, we attracted webmasters whose sole interest was to avoid the Visa fees; hence, we attracted a sector of webmasters who weren?t serious. For the past 2 months, I have hoped and wished that we would start charging because I believe that it will serve to interest those that are serious and hopefully weed out the non-serious webmasters.

The $350 is intended to create an atmosphere that allows us to process for serious webmasters. In this industry, paysites in general are not for people who are not serious; that is what affiliate programs and avs sites serve as. Most of you have rambled on and on about this charge yet we haven?t accepted a check from anyone of you guys :). If you have a decent idea of what is going on, you won?t be charged. This issue is a non-issue until it is applied, in my opinion.

To further on with my opinion, I would like to explain to you in the most straightforward manner I know how what many non-serious webmasters do: they waste time, effort, energy and play keyboard warriors. AC Pay is focused on dealing with webmasters that understand the dynamics of running a vast and profitable business.

Plain and simple, business cost money. You can?t open a bar for free, you need to give 100k in application fees and then you may get turned down; your fee being non-refundable. We know who wants to run a legit, upstanding and intelligent bar as opposed to some fly-by-night operation that doesn?t make any real earnings and in many cases, puts the ?neighborhood? at risk.

?Someday, the little webmaster will be a large one!?

I understand this. And this is accounted for. If you are a little webmaster and know what you are doing, I doubt you are charged. Again, this fee is a non-issue.


Canadian webmasters:

It is my understanding that Canadian webmasters fall within the US Banking region. If we are wrong, this will be changed. I am having it investigated.


I am probably a bit more agitated than need be right now because of this quitting smoking thing so I am sorry upfront if it seems that I am being a bit harsh. I also thank many of you guys for being supportive of my non-smoking challenge. The fact of the matter is that these are very complicated times. I believe that it is in our best interest to work together; rather than harbor the tempest.

It is funny to me these days, how so many webmasters jump down our throats before fully understanding the nature of the beast. Posting things like ?I heard AC Pay pissed off Visa? is so completely irresponsible. People, these boards are read by EVERYONE. Trust me when I say this. I, no different from our competitors, are subjected to briefings on a daily basis. Believe it or not, I have seen many of you post negative things about our competitors that have made me cringe. Like Chris (Epic) stated on GFY, competition is a good thing. We don?t wish for Epic or CC Bill to go out of business. I mostly wish that people who don?t understand things would unplug their keyboards. I wish that I could say more in regard to that, but I just can?t.

I in no way, shape or form want to insult any of you. I consider many of you friends; but, I am a straightforward guy. Because of my direct nature, some people interpret me as an asshole; this is not true, I am just extremely aggressive and as many people can attest for, I have made many people out there a lot of money. If you want to be sensitive, you will likely be best off not dealing with me, if you want to make money, maybe a guy of my nature can help. I haven?t been answering my icq all morning because I have been busy; I am now open for messages :)

Thanks Chris.

It feels damn good to not smoke.

We will do lunch sometime. I love the Cheesecake Factory in the Marina.

OK, now I am really confused. I am not trying to stir shit here but given the nature of some of my partnerships with various site owners, I am asking these questions so that there are some valid answers on the table.

This 350 fee is for ACPay to determine who is serious and who is not? The 750 fee is going to Visa and the bank or is going to ACPay? I know where the funds that were collected by CCBill, IBill etc went, and why they were charged... it was a direct Visa USA situation.

Does ACPay settle in the US? If so then why were the accounts not charged and put into compliance last year when everyone else did this?

If ACPay is not settling in the US then how can you justify charging web site owners 750, since Visa Intl isn't collecting fees that I am aware of (please correct me if I am wrong).

This just seems to be a really strange situation, and before I would advise any of my consulting clients on which processing they should be looking at, I would like the answers if you can give them to me Cory.

I try to be unbiased when people, including my clients, ask for advice regarding their businesses, especially since I charge them quite a bit to give them that advice, and I want to make sure that I am guiding them correctly.

Thanks

I would imagine if that were the case than CCBil, Epoch, and iBill would be signing up Canadian webmasters without any problem.

Sticking my foot in as an Australian... I'm a semi-customer of acpay (haven't actually completed the signup process), am I wasting my time and money if I do? I don't mind paying the $350, but I do mind if I am going to be told in 2 months time that acpay can no longer process Visa for an Australian webmaster.

In saying that, I don't expect acpay to have a crystal ball and know what Visa is going to spring on us in the future; I guess I'm just looking for some sort of reassurance about what is happening, specifically in my region.

Incorporating in EU looks better every day...

I would think so myself.

It gets easier, not smoking, but it is a bitch for the first few months. Hang in there.

As for lunch, our treat, anytime.

As for Canadians, they are in Visa Canada, which is a separate region from USA. There are no high risk acquirers that any of us have been able to find.

The $750 goes to the bank; the $350 is to ensure webmaster seriousness.

We have processors all over the world including the US and are fully compliant. We would never risk AC with AC Pay; I assure you of that.

I don't think you are at all. Legit questions. You met me in Phoenix, you know you can say anything that is on your mind to me.

I will have this looked into pronto. I was told something different. If we are wrong, we will make that change asap.

Thanks for the support. It is appreciated by everyone over here.

Cory - Just to clarify, my post wasn't intended to say that AC Pay was in violation of Visa in any way. Rather that AC Pay has finally decided to go the IPSP route pushed by Visa.

Your statement still leaves several questions...

Will US webmasters be in Visa compliance if they pay the $750. fee with AC Pay? Since AC Pay was under Visa International regs., I think this needs clarification. The other importance of this is if a webmaster uses other IPSPs in the US region, they must use all Visa compliant processors or risk being cancelled by the other IPSPs.

People have mentioned in the past that AC Pay doesn't provide all customer information to the webmaster, and that the customer is in fact AC Pay's customer - not the webmaster's. Will this be changing now that AC Pay is an IPSP?

I agree that charging a fee weeds out the time wasters and people that aren't serious. I wouldn't worry too much about people bitching about the fee. But serious webmasters want to be sure that they're paying the fee for a reason, and that the reason makes them 100% compliant.

Sorry Cory. I do agree that you need to weed out the non-serious webmasters by charging the fees.

But you can't complain about webmasters "jumping down your throat" and being "irresponsible" when, your company misrepresented the Visa fee situation as a marketing ploy, creating a ton of confusion .... Not to mention, mistrust.

THAT is "completely irresponsible."

I totally understand.

If you pay the fee with us, we will pay your Visa compliance so yes, you will be compliant.

As far as Canadians are concerned, our Merchant division has confirmed that he is correct. For now, it is appearing that we will not be able to process them.

We have a meeting in the morning regarding this very subject. I will give you further detail at which time.

Except that by definition the small webmasters have little impact on the market one way or another. They may run up paperwork or occupy space in a database somewhere and depending on the nature of your business with them, that may mean actual expense and not just irritation. The webmasters who have a big enough presence to harm our industry's reputation are not going to be thinned out by a $750 fee.

I like how he dodges the hard questions. Very slick.

I also love the $350 charge "because we can."

As for you pissing off Visa - no, I'm sure you didn't do that. After all, you only did an end run around all their attempts to regulate the IPSP industry. I'm sure that didn't bother them in the least.

Good luck with the IPSP biz. Maybe try answering some hard questions soon.

I have to agree. Even if he is right, I can't believe he would complain about webmasters screaming bloody murder after his company actively marketed "No Visa Fees" to webmasters.

Of course people will speculate because ... duh ... you lied to them! How can anyone trust anything they say?

Now that their ploy backfired and they're probably losing their shirts, everyone is suddenly "irresponsible" for questioning their claims about Visa compliance.

Whining about how their reputation has been damaged. For crying out loud! It's their own fault!

I am so sick of all of the bullshit coming from these processors. I don't have a problem with the fees but, none of these companies seems to know what the hell they are doing.