Viability of Sponsor Programs (Visa Rulilng) - GoFuckYourself.com

HardProfits · 07-01-2003, 07:10 PM

I own a sponsor program, and I am about to launch another with several typical sponsor programs like "Pay Per Join" and "Rev Share"

From my basic knowledge, to be competetive in the Pay Per join game these days, you have to offer upsells on your join page that are already ticked to yes.

But I am aware that companies that do this, also exceed the new 1% threshold with Visa easily every month.

And if you have sufficient volume, then exceeding the 1% threshold is almost guaranteed, even without the upsells and using Rev Share systems only

So at this point, I am wondering (or should I say worrying) that this makes offering a sponsor program totally unviable, especially for higher volume programs.

Anyone want to add some constructive thoughts on this?

Evil Dan

XYCash · 07-01-2003, 07:13 PM

new 1% threshold? Where did you hear this?

Donnie Gangsta · 07-01-2003, 07:35 PM

Hm.. I know I can't get below 1%.. What I'm going to do is start doing a LOT more transactions with like a per minute billing model or something..

I'm wondering: Does this apply to Visa International or just Visa USA? I will post in another thread too with a more adequate topic.

Brown Bear · 07-01-2003, 08:14 PM

It doesn't mean you can't have a PPS prog, it just means you have to stop trying to squeeze extra profits out of people who sign up and didn't even see the check box there. But as a result, the value of your average member will go down and you wont be able to make the big PPS payouts anymore, so you might have to make $30 payouts instead of $35, but then so will everyone else.

Kimmykim · 07-01-2003, 08:25 PM

One has to ponder the question of reseller fraud in any program too Dan, there's no room for error in here. At all.

Check your icq too

Kimmykim · 07-01-2003, 08:26 PM

Quote:

Originally posted by Brown Bear
It doesn't mean you can't have a PPS prog, it just means you have to stop trying to squeeze extra profits out of people who sign up and didn't even see the check box there. But as a result, the value of your average member will go down and you wont be able to make the big PPS payouts anymore, so you might have to make $30 payouts instead of $35, but then so will everyone else.

Cross sells are not upsells, they are cross sells.

Cross sells have done less damage to this business than resellers have, hell in some cases they've actually HELPED the ratios.

John3 · 07-01-2003, 08:31 PM

I sure as hell know that if I was getting into this business today I would not even think of starting a sponsor program.

I'd sign up as a re-seller for a few sites, and happily take my 50% or $30 a join . . .

Brown Bear · 07-01-2003, 08:32 PM

Quote:

Originally posted by Kimmykim

Cross sells are not upsells, they are cross sells.

Cross sells have done less damage to this business than resellers have, hell in some cases they've actually HELPED the ratios.

You'd know better than I would, but I've seen many a sign-up page that had cross sells to another site where the text was small, and hard to read and the check box was already checked. I'm not saying everyone does that, but when I see things like that going on, it doesn't surprise me that Visa is pissed off.

Kimmykim · 07-01-2003, 08:33 PM

Quote:

Originally posted by Brown Bear

You'd know better than I would, but I've seen many a sign-up page that had cross sells to another site where the text was small, and hard to read and the check box was already checked. I'm not saying everyone does that, but when I see things like that going on, it doesn't surprise me that Visa is pissed off.

Visa is not pissed off, and I'm not even sure this is about chargebacks with Visa to be quite honest.

Protecting the brand image seems to be a recurring theme with Visa lately. That disturbs me.

Brown Bear · 07-01-2003, 08:34 PM

Quote:

Originally posted by John3
I sure as hell know that if I was getting into this business today I would not even think of starting a sponsor program.

I'd sign up as a re-seller for a few sites, and happily take my 50% or $30 a join . . .

Sponsor progs are like TGPs, I seem to see or hear about a new one launching everyday!

Brown Bear · 07-01-2003, 08:38 PM

Quote:

Originally posted by Kimmykim

Visa is not pissed off, and I'm not even sure this is about chargebacks with Visa to be quite honest.

Protecting the brand image seems to be a recurring theme with Visa lately. That disturbs me.

You don't think Visa is pissed at all the sites that have like 3% chargeback ratio or more?

Yeah, protecting brand image could be fatal for this industry, especially if they feel we don't fit in with their vision of their brand. I'm sure they don't enjoy seeing sites that say "use your Visa card now to join XXX ANAL FISTING"

Mr.Fiction · 07-01-2003, 08:39 PM

Quote:

Originally posted by Kimmykim
One has to ponder the question of reseller fraud in any program too Dan, there's no room for error in here. At all.

Pondering it is one thing, but what do you do about it?

It seems like one renegade affiliate could bring down your program with fraud.

John3 · 07-01-2003, 08:43 PM

Quote:

Originally posted by Brown Bear

You don't think Visa is pissed at all the sites that have like 3% chargeback ratio or more?

Yeah, protecting brand image could be fatal for this industry, especially if they feel we don't fit in with their vision of their brand. I'm sure they don't enjoy seeing sites that say "use your Visa card now to join XXX ANAL FISTING"

why would that piss Visa off?

they make their money no matter whether it's a clean sale, a chargeback, a credit, whatever.

Brown Bear · 07-01-2003, 08:55 PM

Quote:

Originally posted by John3

why would that piss Visa off?

they make their money no matter whether it's a clean sale, a chargeback, a credit, whatever.

Because it's a fucked up business process, and having millions of Visa card holders getting frustrated and charging back doesn't help make Visa look any better in the eyes of cardholders. It's a breakdown of trust in the Visa system and the Visa name when cardholders see Visa allowing shady sites to operate like it's the wild west and charging all sorts of shit to their cards that they never wanted.

Kimmykim · 07-01-2003, 09:00 PM

Personally I believe that the overall chargeback levels to Visa are at an all time low.

Or at least as low as they've been in the last 12-15 years. I don't work at Visa so I can't be 100% sure on that, but it's my guess.

I'm not sure why they are so concerned with protecting their brand image, I just see that they are.

socalcash · 07-01-2003, 09:16 PM

Kimmy Kim.

U keep saing name brand. I dont feel this is the case or they would have never gone forward with a project like EPASSPORT. Wouldnt u think they blatanly knew the card was going to be used for porn.

It seems to me to be more of wanting to make those who need them, bend to their rules.

HardProfits · 07-01-2003, 09:17 PM

Quote:

Originally posted by Brown Bear

Sponsor progs are like TGPs, I seem to see or hear about a new one launching everyday!

In my case, I am loking to won three different sponsor programs, and have them owned by different companies to share the risk of account closures

I think this is a trend we will see much more of in fact

Kimmykim · 07-01-2003, 09:24 PM

Quote:

Originally posted by socalcash
Kimmy Kim.

U keep saing name brand. I dont feel this is the case or they would have never gone forward with a project like EPASSPORT. Wouldnt u think they blatanly knew the card was going to be used for porn.

It seems to me to be more of wanting to make those who need them, bend to their rules.

Hey Andreas

Let me clarify some points about Visa and other card organizations.

There are two sides to the business -- one is issuing -- actually getting cards into consumers hands, getting them to use the cards and accrue a balance or do alot of trans on their debit cards. This side of the business makes money.

The other is acquiring -- finding merchants to take those cards, pay their fees, and do it with a minimum of risk. This side of the business makes money.

Can you see where the good old left and right hands come in?

ePassporte has nothing to do with porn. It can be used for porn, but it can also be used to buy an airline ticket, a book at Amazon, withdraw money at an ATM.

eP is an issuing product.

Compliance is an acquiring supervisor.

Protecting the Visa brand image is a scary thing.

Brown Bear · 07-01-2003, 09:37 PM

This is the way I see it:

Visa has a big incentive to make sure people have confidence when they buy things online. The more confidence they have, the more they'll buy, the more they buy, the more $$$ the whole Visa system makes.

If cardholders go to a porn site and whip out the credit card because they see the Visa logo and they have confidence in Visa, thats all wonderful for whoevere owns that site because they just made a sale, BUT if that site fucks around that cardholder and does sneaky cross sells or re-billing tricks, then that cardholders confidence in buying things online goes in the toilet. No confidence = no future buying online, whether it's porn or some jeans at www.gap.com , that persons confidence has been shattered by one single site, and will take ages until they might buy something online again for fear that they might get fucked again. Not only that, but they might be having a conversation with other people about buying things online and they'll spread the word that buying online is an exercise in torment and frustration and scams galore. Yay!

So while Visa might still make money from that one sale where the cardholder got fucked, they lose money from all the future potential purchases the cardholder might have made because now the cardholder has no confidence in buying online. Boooo!

socalcash · 07-01-2003, 09:41 PM

KK.

U seem to know something that nobody else knows when speaking about VISA and their image? Is their something u can enlighten us on? I dont see their image having anything to do with them taking porn or not. Obviously they are going to stop prcoessing for sites that are about CHILDPORN, ANIMAL SEX, RAPE, INCEST, TEENAGE GIRLS & So on.....this would only make sense and I too can see this comming (if this is what your referring to.) As this has already been happening over the past year.

In respone to the question at hand for this thread..

FUCK VISA.....your payment situation is not what should hold u back. The boys at epoch & ccbill are going to always find a solution. That is their job and that is what we give them a % to do. If u think that some bumb in processing is a reason to hold off then u have alot comming your way in suprises.

I would be much much more worried about the Goverment and their dislike of porn. ....that is scary, not Visa. Visa is just a bunch suits playing hard ball.

Kimmykim · 07-01-2003, 09:57 PM

Andreas, Visa has never failed to mention in their recent rules regarding all manner of things, legal or otherwise, that they are "protecting their brand image". These are their words, not mine. And they can be construed to cover anything they would like.

To say that Visa or any other payment processor that controls your business cannot hurt you like the government is perhaps not looking at the big picture.

If you cannot get paid for your goods or services then it makes no difference what the government says as far as your business goes.

Another area that I see being slammed into a corner by this rule is going to be the cam girls or anyone running a pay per minute module that utilizes credit card billing. Talk about a night mare there.

socalcash · 07-01-2003, 10:20 PM

I disagree with u to an extent.

Billing is the most important thing for sure. There is no question about that. The picture your painting is one of a no VISA world? If VISA was that serious about not processing for a specific industry dont u think they would have stopped processing for online gambling an industry riddled with fraud and illegalities.

U didnt answer my question Ms.KimmyKim

)))))))

Would u agree that protecting their brand has already been applied to what they have been doing the past two years:

Such as not allowing sites with the words LOLITA and as of now no longer using their card as a "Age Verification Tool."

I could be wrong with the following.....u decide?

Visa is simply picking what level of porn they want to process and will ultimately have guidelines in relation to obscene content. Hence the government comment. Is it not correct that these are only US VISA regulations.....hummmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm mmmmmm.

Billing is not going away. U said it yourself. An online pornographer must be just a little more savy as to how he takes his payments.

As for your continuing statement of what scares u, I would assume your fears have already arrived and have already been tested. Look at FLASH CASH and "LolitaTeen.com" after Visa's regulations they swtiched to teenteenteen.com. Now thats protecting your brand name. Would u agree or disagree?

Donnie Gangsta · 07-01-2003, 10:21 PM

Quote:

Originally posted by Kimmykim

Cross sells are not upsells, they are cross sells.

Cross sells have done less damage to this business than resellers have, hell in some cases they've actually HELPED the ratios.

About the only way they would help is if you do $1/mo recurring...

Kimmykim · 07-01-2003, 10:26 PM

Quote:

Originally posted by socalcash
Billing is the most important thing for sure. There is no question about that. The picture your painting is one of a no VISA world? If VISA was that serious about not processing for a specific industry dont u think they would have stopped processing for online gambling an industry riddled with fraud and illegalities.

Visa is simply picking what level of porn they want to process and will ultimately have guidelines in relation to obscene content. Hence the government comment. Is it not correct that these are only US VISA regulations.....hummmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm mmmmmm.

Billing is not going away. U said it yourself. An online pornographer must be just a little more savy as to how he takes his payments.

As for your continuing statement of what scares u, I would assume your fears have already arrived and have already been tested. Look at FLASH CASH and "LolitaTeen.com" after Visa's regulations they swtiched to teenteenteen.com. Now thats protecting your brand name. Would u agree or disagree?

This is not limited to the US. This is a global change.

As for their removal of certain things from their repertoire over the last year, that is definitely brand image.

This is more along the lines of insanity.

I'm not sure why you say that Visa would stop processing for gambling? Gambling sites are high risk and are treated EXACTLY like we are, putting us in the same category. So are several other MCC codes.

On a global basis.

Kimmykim · 07-01-2003, 10:28 PM

Quote:

Originally posted by Donnie Gangsta

About the only way they would help is if you do $1/mo recurring...

Now really, if that were the case do you think that the IPSPs would still allow it? That would be a case of shooting themselves in the foot. Further, do you think that Visa would allow it? If you think that they don't see it, with all their paid surf watchers, then you've probably just overlooked the fact that they see everything that goes on, on a url by url basis, as it is reported to them every month and has been for quite some time.

socalcash · 07-01-2003, 10:42 PM

I must sleep...but...I have this prediction and I would like your thoughts KK.

I see more selection of what VISA will and wont process. Such as what is mentioned above.

&

Lots and lots of money for those that work with their system!

The only thing I would be somewhat worried about is recurring billing as they have not included that in their VERIFIED by visa model. But, I dont understand Verified by Visa so Im assuming its just an optional tool with all Cards not some new type of Card that they are pushing everyone towards?

Can u explain KK what Verified is all about?

sextoyking · 07-01-2003, 10:52 PM

Look everyone, Visa Corp. could really care less about adult in general. The problem is Online charges and being able to always "protect" there cardholders.

They have no problems with adult merchants in retail stores, sig. in hand sales, etc.

Until we can get an almost no CB proof system online there will always be these problems. Verified by visa is a step in the right direction, of course I would of prefered a card swiper hooked to your pc a few yrs. ago, but that never happ.

NETbilling · 07-01-2003, 10:55 PM

Quote:

Originally posted by socalcash
I must sleep...but...I have this prediction and I would like your thoughts KK.

I see more selection of what VISA will and wont process. Such as what is mentioned above.

&

Lots and lots of money for those that work with their system!

The only thing I would be somewhat worried about is recurring billing as they have not included that in their VERIFIED by visa model. But, I dont understand Verified by Visa so Im assuming its just an optional tool with all Cards not some new type of Card that they are pushing everyone towards?

Can u explain KK what Verified is all about?

I am not answering for Kimmy but you can learn alot about VbV here:

http://www.usa.visa.com/personal/sec...d_by_visa.html

Unfortunately, not many issuing banks are supporting it at this point and it is not supported for recurring billing either. In my opinion, it will only work if Visa requires support of al issuing banks and gives cardholders some incentive to use it other than "piece of mind".

Mitch

sextoyking · 07-01-2003, 10:58 PM

Mitch,

just wait, visa will require all issuing banks to use Vbv within time, just like the new MC solution.

Your right about the recurring billing though, that will be a stickler.

cvv2 has helped us some in preventing fraud, but didn't do as good as I thought it would

peace

todd

Donnie Gangsta · 07-01-2003, 11:08 PM

Quote:

Originally posted by Kimmykim

Now really, if that were the case do you think that the IPSPs would still allow it? That would be a case of shooting themselves in the foot. Further, do you think that Visa would allow it? If you think that they don't see it, with all their paid surf watchers, then you've probably just overlooked the fact that they see everything that goes on, on a url by url basis, as it is reported to them every month and has been for quite some time.

Uh.. ISPSs allow it because it makes money. It has probably doubled most everyone's profits.. it's doubled mine. And charge backs for cross sales (For me, and a couple of other people I've talked to) around 50% higher than regular sale CBs. But regardless, didn't you say that it helped ratios? How exactly does it do this? Can you give an example?

Your comment was that charge backs, in some cases, have helped ratios. In how many cases have they hurt ratios? What's the ratio of helping ratios vs. that of hurting? I don't see how anyone can defend pre-checked cross sales.. (other than to say they make a lot of money)

Every once in a while it snows in Las Vegas..

Kimmykim · 07-01-2003, 11:39 PM

Verified by Visa is no longer an option for adult. That's been taken away already.

Working with Visa as a system is not working the best system for adult Andreas, not in my opinion.

Diversify, as fast and as wide as you can. Of course that's something I've said for a long time.

Find all your options and decide how you can best make use of them to reduce your exposure while maximizing your profits.

07-01-2003, 07:10 PM	#1
HardProfits So Fucking Banned Join Date: Jan 2003 Location: BrizVegas Posts: 346	Viability of Sponsor Programs (Visa Rulilng) I own a sponsor program, and I am about to launch another with several typical sponsor programs like "Pay Per Join" and "Rev Share" From my basic knowledge, to be competetive in the Pay Per join game these days, you have to offer upsells on your join page that are already ticked to yes. But I am aware that companies that do this, also exceed the new 1% threshold with Visa easily every month. And if you have sufficient volume, then exceeding the 1% threshold is almost guaranteed, even without the upsells and using Rev Share systems only So at this point, I am wondering (or should I say worrying) that this makes offering a sponsor program totally unviable, especially for higher volume programs. Anyone want to add some constructive thoughts on this? Evil Dan

07-01-2003, 07:13 PM	#2
XYCash Confirmed User Join Date: Jun 2003 Location: here and there Posts: 582	new 1% threshold? Where did you hear this? __________________ XYCash Gay Affiliate Programs - Making Money For Webmasters Since 1999 - click here to sign up

07-01-2003, 08:14 PM	#4
Brown Bear Confirmed User Join Date: May 2002 Posts: 4,982	It doesn't mean you can't have a PPS prog, it just means you have to stop trying to squeeze extra profits out of people who sign up and didn't even see the check box there. But as a result, the value of your average member will go down and you wont be able to make the big PPS payouts anymore, so you might have to make $30 payouts instead of $35, but then so will everyone else. __________________ Surrender all your independent thinking and Click Here for re-programming.

07-01-2003, 08:31 PM	#7
John3 Confirmed User Join Date: May 2003 Location: Austin Posts: 1,214	I sure as hell know that if I was getting into this business today I would not even think of starting a sponsor program. I'd sign up as a re-seller for a few sites, and happily take my 50% or $30 a join . . . __________________ Hook 'em.

07-01-2003, 09:16 PM	#16
socalcash Confirmed User Join Date: Apr 2003 Location: SoCal Posts: 323	Kimmy Kim. U keep saing name brand. I dont feel this is the case or they would have never gone forward with a project like EPASSPORT. Wouldnt u think they blatanly knew the card was going to be used for porn. It seems to me to be more of wanting to make those who need them, bend to their rules. __________________ SIG TOO BIG! Maximum 120x60 button and no more than 3 text lines of DEFAULT SIZE and COLOR. Unless your sig is for a GFY top banner sponsor, then you may use a 624x80 instead of a 120x60.

07-01-2003, 07:35 PM	#3
Donnie Gangsta Confirmed User Join Date: Mar 2002 Location: Las Vegas Posts: 1,104	Hm.. I know I can't get below 1%.. What I'm going to do is start doing a LOT more transactions with like a per minute billing model or something.. I'm wondering: Does this apply to Visa International or just Visa USA? I will post in another thread too with a more adequate topic.

07-01-2003, 08:25 PM	#5
Kimmykim bitchslapping zebras!!!!! Industry Role: Join Date: Jun 2001 Location: In a shack by the beach Posts: 16,015	One has to ponder the question of reseller fraud in any program too Dan, there's no room for error in here. At all. Check your icq too

07-01-2003, 09:00 PM	#15
Kimmykim bitchslapping zebras!!!!! Industry Role: Join Date: Jun 2001 Location: In a shack by the beach Posts: 16,015	Personally I believe that the overall chargeback levels to Visa are at an all time low. Or at least as low as they've been in the last 12-15 years. I don't work at Visa so I can't be 100% sure on that, but it's my guess. I'm not sure why they are so concerned with protecting their brand image, I just see that they are.

07-01-2003, 09:37 PM	#19
Brown Bear Confirmed User Join Date: May 2002 Posts: 4,982	This is the way I see it: Visa has a big incentive to make sure people have confidence when they buy things online. The more confidence they have, the more they'll buy, the more they buy, the more $$$ the whole Visa system makes. If cardholders go to a porn site and whip out the credit card because they see the Visa logo and they have confidence in Visa, thats all wonderful for whoevere owns that site because they just made a sale, BUT if that site fucks around that cardholder and does sneaky cross sells or re-billing tricks, then that cardholders confidence in buying things online goes in the toilet. No confidence = no future buying online, whether it's porn or some jeans at www.gap.com , that persons confidence has been shattered by one single site, and will take ages until they might buy something online again for fear that they might get fucked again. Not only that, but they might be having a conversation with other people about buying things online and they'll spread the word that buying online is an exercise in torment and frustration and scams galore. Yay! So while Visa might still make money from that one sale where the cardholder got fucked, they lose money from all the future potential purchases the cardholder might have made because now the cardholder has no confidence in buying online. Boooo! __________________ Surrender all your independent thinking and Click Here for re-programming.

07-01-2003, 09:41 PM	#20
socalcash Confirmed User Join Date: Apr 2003 Location: SoCal Posts: 323	KK. U seem to know something that nobody else knows when speaking about VISA and their image? Is their something u can enlighten us on? I dont see their image having anything to do with them taking porn or not. Obviously they are going to stop prcoessing for sites that are about CHILDPORN, ANIMAL SEX, RAPE, INCEST, TEENAGE GIRLS & So on.....this would only make sense and I too can see this comming (if this is what your referring to.) As this has already been happening over the past year. In respone to the question at hand for this thread.. FUCK VISA.....your payment situation is not what should hold u back. The boys at epoch & ccbill are going to always find a solution. That is their job and that is what we give them a % to do. If u think that some bumb in processing is a reason to hold off then u have alot comming your way in suprises. I would be much much more worried about the Goverment and their dislike of porn. ....that is scary, not Visa. Visa is just a bunch suits playing hard ball. __________________ SIG TOO BIG! Maximum 120x60 button and no more than 3 text lines of DEFAULT SIZE and COLOR. Unless your sig is for a GFY top banner sponsor, then you may use a 624x80 instead of a 120x60.

07-01-2003, 09:57 PM	#21
Kimmykim bitchslapping zebras!!!!! Industry Role: Join Date: Jun 2001 Location: In a shack by the beach Posts: 16,015	Andreas, Visa has never failed to mention in their recent rules regarding all manner of things, legal or otherwise, that they are "protecting their brand image". These are their words, not mine. And they can be construed to cover anything they would like. To say that Visa or any other payment processor that controls your business cannot hurt you like the government is perhaps not looking at the big picture. If you cannot get paid for your goods or services then it makes no difference what the government says as far as your business goes. Another area that I see being slammed into a corner by this rule is going to be the cam girls or anyone running a pay per minute module that utilizes credit card billing. Talk about a night mare there.

07-01-2003, 10:20 PM	#22
socalcash Confirmed User Join Date: Apr 2003 Location: SoCal Posts: 323	I disagree with u to an extent. Billing is the most important thing for sure. There is no question about that. The picture your painting is one of a no VISA world? If VISA was that serious about not processing for a specific industry dont u think they would have stopped processing for online gambling an industry riddled with fraud and illegalities. U didnt answer my question Ms.KimmyKim))))))) Would u agree that protecting their brand has already been applied to what they have been doing the past two years: Such as not allowing sites with the words LOLITA and as of now no longer using their card as a "Age Verification Tool." I could be wrong with the following.....u decide? Visa is simply picking what level of porn they want to process and will ultimately have guidelines in relation to obscene content. Hence the government comment. Is it not correct that these are only US VISA regulations.....hummmmmmmmmmmmmmmmmmmmmmmmmmmmmmmm mmmmmm. Billing is not going away. U said it yourself. An online pornographer must be just a little more savy as to how he takes his payments. As for your continuing statement of what scares u, I would assume your fears have already arrived and have already been tested. Look at FLASH CASH and "LolitaTeen.com" after Visa's regulations they swtiched to teenteenteen.com. Now thats protecting your brand name. Would u agree or disagree? __________________ SIG TOO BIG! Maximum 120x60 button and no more than 3 text lines of DEFAULT SIZE and COLOR. Unless your sig is for a GFY top banner sponsor, then you may use a 624x80 instead of a 120x60.

07-01-2003, 10:42 PM	#26
socalcash Confirmed User Join Date: Apr 2003 Location: SoCal Posts: 323	I must sleep...but...I have this prediction and I would like your thoughts KK. I see more selection of what VISA will and wont process. Such as what is mentioned above. & Lots and lots of money for those that work with their system! The only thing I would be somewhat worried about is recurring billing as they have not included that in their VERIFIED by visa model. But, I dont understand Verified by Visa so Im assuming its just an optional tool with all Cards not some new type of Card that they are pushing everyone towards? Can u explain KK what Verified is all about? __________________ SIG TOO BIG! Maximum 120x60 button and no more than 3 text lines of DEFAULT SIZE and COLOR. Unless your sig is for a GFY top banner sponsor, then you may use a 624x80 instead of a 120x60.

07-01-2003, 10:52 PM	#27
sextoyking Confirmed User Industry Role: Join Date: Dec 2001 Location: Portland, OR. Posts: 6,034	Look everyone, Visa Corp. could really care less about adult in general. The problem is Online charges and being able to always "protect" there cardholders. They have no problems with adult merchants in retail stores, sig. in hand sales, etc. Until we can get an almost no CB proof system online there will always be these problems. Verified by visa is a step in the right direction, of course I would of prefered a card swiper hooked to your pc a few yrs. ago, but that never happ. __________________ ICQ: 52344098 -------------------------------------- 50% Commissions on all Product Sales. http://www.wishing.com/money

07-01-2003, 10:58 PM	#29
sextoyking Confirmed User Industry Role: Join Date: Dec 2001 Location: Portland, OR. Posts: 6,034	Mitch, just wait, visa will require all issuing banks to use Vbv within time, just like the new MC solution. Your right about the recurring billing though, that will be a stickler. cvv2 has helped us some in preventing fraud, but didn't do as good as I thought it would peace todd __________________ ICQ: 52344098 -------------------------------------- 50% Commissions on all Product Sales. http://www.wishing.com/money

07-01-2003, 11:39 PM	#31
Kimmykim bitchslapping zebras!!!!! Industry Role: Join Date: Jun 2001 Location: In a shack by the beach Posts: 16,015	Verified by Visa is no longer an option for adult. That's been taken away already. Working with Visa as a system is not working the best system for adult Andreas, not in my opinion. Diversify, as fast and as wide as you can. Of course that's something I've said for a long time. Find all your options and decide how you can best make use of them to reduce your exposure while maximizing your profits.