What percent of your Online checks get Returned?

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  • GotGauge
    Confirmed User
    • Nov 2001
    • 3072
    #1

    What percent of your Online checks get Returned?

    A friend of mine said he was dropping checks, because most of them get returned.

    What percent of your online checks get returned and with what company?

    CCBILL?
    IBILL?
    and so on..


    ICQ 22264474
    [email protected]
    Tags: None
    • NetRodent
      Confirmed User
      • Jan 2002
      • 3985
      #2
      Roughly a quarter of our check signups are returned.
      "Every normal man must be tempted, at times, to spit on his hands, hoist the black flag, and begin slitting throats."
      --H.L. Mencken

        Comment

        • EscortBiz
          Fuck Checks, CASH only!
          • May 2002
          • 19422
          #3
          i stopped accpeting them on all my sites, and I see no difference

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            Comment

            • steffie
              Confirmed User
              • May 2002
              • 2422
              #4
              I stopped taking checks, actually I called ccbill yesterday about those dang checks. I took another shot at the checks a couple of month ago (after removing them last year)

              I had a shit load of returns, so I called to aske WTF. They told me these are checks who bounced. Now these guys had access.

              I removed all the check links - Fuck those guys!!!

              almost 30% bounce (if not more)

              Partying since '96 and not going anywhere Anna's Dorm

                Comment

                • plsureking
                  bored
                  • Aug 2003
                  • 4993
                  #5
                  beats me. last report said .2 percent of transactions.
                  # ./

                    Comment

                    • oldnewbie
                      Confirmed User
                      • Jul 2003
                      • 394
                      #6
                      Using Ibill, and for the past 2 months check returns are at exactly 33.33%

                      But good checks do tend to rebill well. So it's a real quandry.

                        Comment

                        • s0laris2
                          Confirmed User
                          • Jun 2002
                          • 317
                          #7
                          We stopped using checks. and sales have not changed at all. I think those with checks also have cc cards and then use them in stead (the honest ones)

                          the others are just cheaters.

                            Comment

                            • tony299
                              lurker
                              • Aug 2002
                              • 57021
                              #8
                              We use achdebit for checks and we are very happy with them. They scrub more carefully and will put people in collections for writing bad checks.

                                Comment

                                • angelsofporn
                                  Confirmed User
                                  • Mar 2002
                                  • 3218
                                  #9
                                  dropped em' a long time ago and we actually do better now without them...i won't add them again until they verify the $$ is in the account...i know netbilling does it

                                    Comment

                                    • PbG
                                      Confirmed User
                                      • May 2003
                                      • 1025
                                      #10
                                      65%

                                      Uncensored-Hosting | Photography by Gus

                                        Comment

                                        • spooky181
                                          Confirmed User
                                          • Jul 2003
                                          • 2951
                                          #11
                                          About 30% returned with Verotel.

                                          Spooky


                                          www.CheatingXXXWife.com/extremecash/index.html

                                            Comment

                                            • myneid
                                              Confirmed User
                                              • Jan 2003
                                              • 738
                                              #12
                                              Originally posted by angelsofporn
                                              dropped em' a long time ago and we actually do better now without them...i won't add them again until they verify the $$ is in the account...i know netbilling does it
                                              i would love to know how netbilling does it since it is impossible the way all banks are set up.

                                              i noticed in multiple affiliate programs that on average about 35% of checks come back returned.
                                              some of the third party check processors like electracash.com are pretty good at scrubbing out people that are bad, but it still isnt great.
                                              Tanguy 0x7a69 inc. Programmer/President/CEO
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                                                • NETbilling
                                                  Confirmed User
                                                  • Jan 2002
                                                  • 8599
                                                  #13
                                                  Hi,

                                                  Our average for mainstream is less than 5% returns and about 20% for adult. It is important to offer good scrubbing options such as "Starchek" and "Experian" for online checks since you cannot get a real time auth from the accountholder's bank. I know a few of the popular companies such as ACHdebit, Electracash and ourselves offer these verifications, and others do not.

                                                  Please contact our sales department for more information and pricing. You will be quite pleased with what we offer.

                                                  Toll Free within the US: (888)357-8166
                                                  Outside the US: (661)252-2456

                                                  Thank you, Mitch Farber


                                                  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!

                                                    Comment

                                                    • GrimShawn
                                                      Confirmed User
                                                      • Oct 2002
                                                      • 8120
                                                      #14
                                                      Originally posted by plsureking
                                                      beats me. last report said .2 percent of transactions.
                                                      .2 on checks?

                                                        Comment

                                                        • Xtc-Xtc
                                                          Confirmed User
                                                          • Apr 2002
                                                          • 1475
                                                          #15
                                                          We use Electracash, and since than we have seen a huge decrease in returned checks, we are very happy with Electracash, I also hear some great things about achdebit, thinking about trying them out as well.
                                                          Florida Honnies - Extreme John


                                                          51299342

                                                            Comment

                                                            • IntenseCash
                                                              Confirmed User
                                                              • Apr 2003
                                                              • 2421
                                                              #16
                                                              We use Electracash as well and they are definetly alot better than the 3rd party processors for checks. I pray for the day when checks are instantly verified without any fraud, lol.

                                                              Mark
                                                              IntenseCash.com
                                                              ~ Chuck | ICQ: 444887112
                                                              Top converting sites:
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                                                                Comment

                                                                • NETbilling
                                                                  Confirmed User
                                                                  • Jan 2002
                                                                  • 8599
                                                                  #17
                                                                  Originally posted by Xtc-Xtc
                                                                  We use Electracash, and since than we have seen a huge decrease in returned checks, we are very happy with Electracash, I also hear some great things about achdebit, thinking about trying them out as well.
                                                                  You should check Netbilling out as well. You will be surprised at our low fees.

                                                                  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!

                                                                    Comment

                                                                    • rdunn404
                                                                      Confirmed User
                                                                      • Jan 2002
                                                                      • 999
                                                                      #18
                                                                      I think it all depends on your site/niche...I'm currently at 14% check returns for the year. I'm with CCBill by the way.

                                                                        Comment

                                                                        • slavdogg
                                                                          Confirmed User
                                                                          • Jan 2001
                                                                          • 3570
                                                                          #19
                                                                          http://achdebit.com/

                                                                          doesnt get any better.

                                                                          go with the leader!!
                                                                          Adult Traffic for Sale

                                                                            Comment

                                                                            • slavdogg
                                                                              Confirmed User
                                                                              • Jan 2001
                                                                              • 3570
                                                                              #20
                                                                              here is the amazing part about checks with achdebit.com

                                                                              after about 10 months of no new sign ups
                                                                              CC revenue is about 10% of what it was.
                                                                              ACH is about 45% of what it was.

                                                                              ACH reccurs like crazy.
                                                                              Adult Traffic for Sale

                                                                                Comment

                                                                                • NETbilling
                                                                                  Confirmed User
                                                                                  • Jan 2002
                                                                                  • 8599
                                                                                  #21
                                                                                  ACH does recurr exceptionally well. Less signups, better recurring.

                                                                                  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!

                                                                                    Comment

                                                                                    • wig
                                                                                      Confirmed User
                                                                                      • Feb 2002
                                                                                      • 708
                                                                                      #22
                                                                                      If you want to reduce check returns, there are many different things you can do. It's all a matter of how far you want to take it.

                                                                                      For instance, you may want to validate via email prior to acceptance.

                                                                                      You can use a product like Experian where you can assess consumer credit worthiness and information accuracy (including SSN).

                                                                                      You can validate account numbers with StarCheck (where applicable).

                                                                                      And, you can even do a microdeposit (like paypal) to validate the account holder.

                                                                                      Obviously, some of these will limit throughput and some will totally take away the impulse purchase, so you have to do the math and see what works best for your risk threshhold and application.

                                                                                      Most importantly and given the credit card environment, you absolutely should accept checks. There are 100 million people in the US that have a checking or savings account that DO NOT have a credit card.

                                                                                      Maybe you have to be on a larger scale to measure it, but I believe not accepting checks is leaving money on the table. How can the biggest programs out there accept checks and make it work while others cannot? Why are some of the bigger programs promoting checks as their first option.

                                                                                      There are several companies in this thread that provide great ACH processing and you should open an account with everyone of them and see what works for you.
                                                                                      Credit Card and ACH Processing

                                                                                        Comment

                                                                                        • rowan
                                                                                          Too lazy to set a custom title
                                                                                          • Mar 2002
                                                                                          • 17393
                                                                                          #23
                                                                                          I run a couple of small sites with similar content... one is an established site with traffic arriving from bookmarkers, SEs, and various personal sites. The other gets traffic mainly from TGPs. The first gets relatively few check signups, but around 80% of those are good. The second gets a lot more, and it's the opposite: 20% are good, 80% are returned. I still believe that there are habitual fraudsters who use TGPs as a method of finding the latest site to check out for free.

                                                                                            Comment

                                                                                            • SGS
                                                                                              Confirmed User
                                                                                              • Dec 2002
                                                                                              • 5176
                                                                                              #24
                                                                                              An option to let checks clear before a surfer gets access is the best way.
                                                                                              See sig...

                                                                                                Comment

                                                                                                • wig
                                                                                                  Confirmed User
                                                                                                  • Feb 2002
                                                                                                  • 708
                                                                                                  #25
                                                                                                  Originally posted by SGS
                                                                                                  An option to let checks clear before a surfer gets access is the best way.
                                                                                                  SGS, ACH Debit supports this. It is slightly less effective than the microdeposit because it may be a valid account but unauthorized. Both methods hurt the impulse purchase.

                                                                                                  Out of curiosity, how many business days do you let go by before you are willing to assume the ACH will not be returned?
                                                                                                  Credit Card and ACH Processing

                                                                                                    Comment

                                                                                                    • DutchTeenCash
                                                                                                      I like Dutch Girls
                                                                                                      • Feb 2003
                                                                                                      • 21684
                                                                                                      #26
                                                                                                      20-25% with ccbill hate it ... uhm anyone at achdeb we applied 3 days ago never got any response....

                                                                                                      ICQ 16 91 547 - SKYPE dutchteencash
                                                                                                      bob AT dutchteencash DOT com
                                                                                                      ... did you see our newest Sweet Natural Girl Priscilla (18)?

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                                                                                                        • TheSaint
                                                                                                          Confirmed User
                                                                                                          • Jun 2003
                                                                                                          • 991
                                                                                                          #27
                                                                                                          25% to 30% bounce with CCBill, still a very good deal as about half the customers using checks don't have CC or are maxed out on them.

                                                                                                          Also some customers share a CC with the wife as they don't want her so see the charge, but they balance the checkbook.

                                                                                                          My Globill bounce check rate was only about 10%.
                                                                                                          I have no signature

                                                                                                            Comment

                                                                                                            • wig
                                                                                                              Confirmed User
                                                                                                              • Feb 2002
                                                                                                              • 708
                                                                                                              #28
                                                                                                              Originally posted by thinkx
                                                                                                              20-25% with ccbill hate it ... uhm anyone at achdeb we applied 3 days ago never got any response....
                                                                                                              thinkx, please email me at danp AT achdebit.com. I will be happy to take care of you.
                                                                                                              Credit Card and ACH Processing

                                                                                                                Comment

                                                                                                                • gothweb
                                                                                                                  Confirmed User
                                                                                                                  • Jun 2002
                                                                                                                  • 8849
                                                                                                                  #29
                                                                                                                  Originally posted by EscortBiz
                                                                                                                  i stopped accpeting them on all my sites, and I see no difference
                                                                                                                  Me too. The only signups I lost were the scam ones. Overall revenue went up.

                                                                                                                  Photos by Ian X.: Distinctive photos of goth babes.
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                                                                                                                    • SomeCreep
                                                                                                                      :glugglug
                                                                                                                      • Mar 2003
                                                                                                                      • 26118
                                                                                                                      #30
                                                                                                                      expect 50% to bounce

                                                                                                                      Webair Hosting

                                                                                                                      I use and recommend Webair for hosting.

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                                                                                                                        • wig
                                                                                                                          Confirmed User
                                                                                                                          • Feb 2002
                                                                                                                          • 708
                                                                                                                          #31
                                                                                                                          All you guys and gals hesitant to accept checks consider this...

                                                                                                                          ACH Debit will do your first 30 days of check processing FREE!

                                                                                                                          After that 30 days, we will look at the numbers and you can decide whether to keep going.

                                                                                                                          How's that for a deal?
                                                                                                                          Credit Card and ACH Processing

                                                                                                                            Comment

                                                                                                                            • wig
                                                                                                                              Confirmed User
                                                                                                                              • Feb 2002
                                                                                                                              • 708
                                                                                                                              #32
                                                                                                                              Wow, not a single person wants to take me up on FREE 30 days ACH processing?
                                                                                                                              Credit Card and ACH Processing

                                                                                                                                Comment

                                                                                                                                • payton
                                                                                                                                  Registered User
                                                                                                                                  • Oct 2002
                                                                                                                                  • 20
                                                                                                                                  #33
                                                                                                                                  sorry Wig, I'll pass, hard to talk people into giving away 50% to 60% of their subscriptions on bounced checks

                                                                                                                                  P

                                                                                                                                    Comment

                                                                                                                                    • Ross
                                                                                                                                      Ik ben een aap
                                                                                                                                      • Sep 2002
                                                                                                                                      • 18874
                                                                                                                                      #34
                                                                                                                                      I dunno how many get returned...... I don't deal with that, someone else does

                                                                                                                                        Comment

                                                                                                                                        • wig
                                                                                                                                          Confirmed User
                                                                                                                                          • Feb 2002
                                                                                                                                          • 708
                                                                                                                                          #35
                                                                                                                                          Originally posted by payton
                                                                                                                                          sorry Wig, I'll pass, hard to talk people into giving away 50% to 60% of their subscriptions on bounced checks

                                                                                                                                          P
                                                                                                                                          First, your percentages are not even close in the worst case scenario.

                                                                                                                                          Second, you obviously have not read a single word I have written.

                                                                                                                                          Best of luck to you, though!
                                                                                                                                          Credit Card and ACH Processing

                                                                                                                                            Comment

                                                                                                                                            • SleazyDream
                                                                                                                                              I'm here for SPORT
                                                                                                                                              • Jul 2001
                                                                                                                                              • 41470
                                                                                                                                              #36
                                                                                                                                              i find about 1/3 of them bounce as well.

                                                                                                                                              the part that sucks is you get nailed on a transaction fee in and out on a bounced check
                                                                                                                                              This dog, is dog, a dog, good dog, way dog, to dog, keep dog, an dog, idiot dog, busy dog, for dog, 20 dog, seconds dog!

                                                                                                                                              Now read without the word dog.

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                                                                                                                                                • wig
                                                                                                                                                  Confirmed User
                                                                                                                                                  • Feb 2002
                                                                                                                                                  • 708
                                                                                                                                                  #37
                                                                                                                                                  SleazyDream,

                                                                                                                                                  We only charge a transaction fee if the check is good. We do not charge a return fee.

                                                                                                                                                  Check out http://www.achdebit.com/sales/facts.html

                                                                                                                                                  I think it will make sense!
                                                                                                                                                  Last edited by wig; 09-03-2003, 02:25 PM.
                                                                                                                                                  Credit Card and ACH Processing

                                                                                                                                                    Comment

                                                                                                                                                    • payton
                                                                                                                                                      Registered User
                                                                                                                                                      • Oct 2002
                                                                                                                                                      • 20
                                                                                                                                                      #38
                                                                                                                                                      Not charging a return fee is the least you could do when 50% to 60% and more of your "product" is being returned unpaid, after we have given away access to our site for several days!

                                                                                                                                                      Suggest you get a better handle on your systems before trying to pass it off as a viable alternative

                                                                                                                                                      Best of luck to you too!

                                                                                                                                                      Payton

                                                                                                                                                        Comment

                                                                                                                                                        • wig
                                                                                                                                                          Confirmed User
                                                                                                                                                          • Feb 2002
                                                                                                                                                          • 708
                                                                                                                                                          #39
                                                                                                                                                          Ah, the Anon has an axe to grind. Who'd a thunk it?
                                                                                                                                                          Credit Card and ACH Processing

                                                                                                                                                            Comment

                                                                                                                                                            • lexr
                                                                                                                                                              Confirmed User
                                                                                                                                                              • Jul 2003
                                                                                                                                                              • 428
                                                                                                                                                              #40
                                                                                                                                                              I've also given up on checks. Perhaps in the future I'll give them a try again.. but right now, they don't amount to that many sales, and the returned checks are much higher than my chargebacks.
                                                                                                                                                              Amateur content producer. Professional complainer.

                                                                                                                                                              Sig space for rent!

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