Are adult CC processors using "Verified By Visa"? - GoFuckYourself.com

Brown Bear · 07-04-2003, 09:11 AM

I thought I heard the adult processors weren't going to use the new Verified By Visa system, but then I noticed Epoch sign-up pages have the V by V logo on them.

Whats up with this, is it being used now?

fatbaby · 07-04-2003, 09:18 AM

According to KimmyKim, whos knowledge in this area I would always defer to, Visa has not enabled this for Adult...

which sucks!

Brown Bear · 07-04-2003, 09:20 AM

Quote:

Originally posted by fatbaby
According to KimmyKim, whos knowledge in this area I would always defer to, Visa has not enabled this for Adult...

which sucks!

So why do epoch sign up pages have the verified by visa logo on them? (at the bottom)

https://wnu.com/secure/form.cgi?m15+qmm15m1+a+eap

MegaPussy · 07-04-2003, 09:20 AM

Where are you seeing this? It's not on ours.

VbV is not available for recurring transactions from what all the people in banking have told me.

- Titus

MegaPussy · 07-04-2003, 09:21 AM

Hmm weird, doesn't show on ours. That is odd. Not sure Epoch is working today, maybe someone can shed some light.

- Titus

Brown Bear · 07-04-2003, 09:24 AM

Quote:

Originally posted by MegaPussy
Where are you seeing this? It's not on ours.

VbV is not available for recurring transactions from what all the people in banking have told me.

- Titus

Look at the bottom of the page of this link

https://wnu.com/secure/form.cgi?m15+qmm15m1+a+eap

It's also on:

http://www.epochsystems.com

crescentx · 07-04-2003, 09:28 AM

VbV I am told will not do recurring at this point. I have heard conflicting reports about adult, but I know I went to Verified by Visa's main site to look up my cards...

First off, they complain about adult webmasters not doing enough to protect privacy/security online. Then they have you punch in your card on a non-SSL page. Cute. Anyway, none of my cards supported VbV, which means this whole think could be a moot point since VISA apparently functions simply as a gateway with no regulatory authority and if the issuing banks won't support it, there's nothing that can be done.

-doug

NetRodent · 07-04-2003, 09:59 AM

I believe I saw a post from Rand at Epoch saying that Verified by Visa was not going to be allowed for recurring billing. There was no mention of it not being allowed for adult, but if it can't be used for recurring billing it is a defacto ban on adult.

Edit: Actually it was Clay, in this thread.

Brown Bear · 07-04-2003, 10:03 AM

Quote:

Originally posted by NetRodent
I believe I saw a post from Rand at Epoch saying that Verified by Visa was not going to be allowed for recurring billing. There was no mention of it not being allowed for adult, but if it can't be used for recurring billing it is a defacto ban on adult.

Yeah, I heard it doesn't work for recurring either, so I'm wondering why they have the logo on the sign-up page and on the Epoch site?

NETbilling · 07-04-2003, 11:12 AM

Hi,

Verifired by Visa is not allowed for recurring trasnsactions at this point. That may change in the future.
However, there is no restriction on adult merchants. The rules are not totally clear and are actually changin all of the time. Many of the big merchants that were using it, have stopped because of customer confusion.

Mitch

Brown Bear · 07-04-2003, 10:22 PM

so why do they have the logo on the sign-up page and on the Epoch site?

rnicey · 07-04-2003, 10:51 PM

David Shepard of Visa (via a 3rd party, therefore not authorative):

....There are no restrictions in terms of participating in Verified by Visa except when the
merchant has "excessive" chargebacks or fraud and therefore, to protect Visa Issuers, falls
into one of the following Visa programs:

Global Chargeback Monitoring Program (GCMP): Merchants that are in this program due to
excessive chargeback volumes are not eligible for the "attempts" liability shift while they are in
the GCMP and for a period of 3 months thereafter; however, they may still participate in the
program and will receive the liability shift for fully authenticated transactions.

Risk Identification Service (RIS): If a merchant is identified as having excessive fraud, based
on crossing RIS system parameters of "reported fraud" (fraud reported to Visa by Issuers), a
chargeback window may be opened against the merchant that allows issuers to chargeback
transactions regardless of the liability shift. Exactly which transactions are subject to the
chargeback window is determined based on the type of RIS risk parameter/threshold that the
merchant's reported fraud volumes/amounts violated.

--

So let me make this simple. If their risk department thinks you're a risk, you don't get protection. If you're already in hot water and looking to Visa for some help, sorry.

Azazello · 07-05-2003, 12:53 AM

Looks like iBill gonna use it:
"Verified by VISA Program

Soon iBill will offer the opportunity for its clients to participate in the Verified by VISA program. This new feature allows consumers to create a unique password that will be required at the point of purchase. When the end user attempts to make an Internet purchase, special software installed on the signup page will recognize VISA cards that have been registered. The consumer will then be prompted to key their unique password before a purchase can be approved. The entire process is web-based, so there is no need for consumers to install software.

Merchants who choose to participate in the program will receive added fraud and chargeback protection at no cost. Please visit VERIFIED BY VISA for more information on how the program works and the value-added benefits to merchants."

Carrie · 07-05-2003, 01:03 AM

Quote:

Originally posted by Brown Bear
so why do they have the logo on the sign-up page and on the Epoch site?

Epoch doesn't process solely for adult AFAIK. And the wnu site that you put up, when you back it up to wnu.com, looks like a mainstream site. Perhaps they're directing their signups over to a mainstream site so that when Visa comes looking, they don't get the additional high-risk fees?

Brown Bear · 07-05-2003, 01:21 AM

Quote:

Originally posted by Carrie

Epoch doesn't process solely for adult AFAIK. And the wnu site that you put up, when you back it up to wnu.com, looks like a mainstream site. Perhaps they're directing their signups over to a mainstream site so that when Visa comes looking, they don't get the additional high-risk fees?

I actually got to that Epoch/Paycom signup page that I posted from www.qmov.com <---- thats porn baby! PORN!

WiredGuy · 07-05-2003, 01:35 AM

Quote:

Originally posted by Brown Bear
I actually got to that Epoch/Paycom signup page that I posted from www.qmov.com <---- thats porn baby! PORN!

I tried becoming a member from this site and on the primary processor link it appears to be a full 1 month membership which doesn't recur (from what I saw). The epoch processing I thought would be the same since that would seem to allow them to use the VbV but it does seem to be a recurring charge as well. Not sure what's going on here, might want to talk to someone from Epoch or get Kimmy's comments on this, she's the true expert

WG

Brown Bear · 07-05-2003, 01:49 AM

Quote:

Originally posted by WiredGuy

I tried becoming a member from this site and on the primary processor link it appears to be a full 1 month membership which doesn't recur (from what I saw). The epoch processing I thought would be the same since that would seem to allow them to use the VbV but it does seem to be a recurring charge as well. Not sure what's going on here, might want to talk to someone from Epoch or get Kimmy's comments on this, she's the true expert

WG

It says on the signup page:

Quote:

Membership Renews Automatically at $29.95 every 1 month Until Cancelled.

But that supposedly isn't possible with V by V as far as I've heard.

thetrog · 07-05-2003, 02:20 PM

Quote:

Originally posted by rnicey
David Shepard of Visa (via a 3rd party, therefore not authorative):

....There are no restrictions in terms of participating in Verified by Visa except when the merchant has "excessive" chargebacks or fraud and therefore, to protect Visa Issuers, falls into one of the following Visa programs:

Global Chargeback Monitoring Program (GCMP): Merchants that are in this program due to excessive chargeback volumes are not eligible for the "attempts" liability shift while they are in the GCMP and for a period of 3 months thereafter; however, they may still participate in the program and will receive the liability shift for fully authenticated transactions.

Risk Identification Service (RIS): If a merchant is identified as having excessive fraud, based on crossing RIS system parameters of "reported fraud" (fraud reported to Visa by Issuers), a chargeback window may be opened against the merchant that allows issuers to chargeback transactions regardless of the liability shift. Exactly which transactions are subject to the chargeback window is determined based on the type of RIS risk parameter/threshold that the merchant's reported fraud volumes/amounts violated.

--

So let me make this simple. If their risk department thinks you're a risk, you don't get protection. If you're already in hot water and looking to Visa for some help, sorry.

Thanks for the info. Very informative.

It certainly clears up a lot of confusion on this.

07-04-2003, 09:11 AM	#1
Brown Bear Confirmed User Join Date: May 2002 Posts: 4,982	Are adult CC processors using "Verified By Visa"? I thought I heard the adult processors weren't going to use the new Verified By Visa system, but then I noticed Epoch sign-up pages have the V by V logo on them. Whats up with this, is it being used now? __________________ Surrender all your independent thinking and Click Here for re-programming.

07-04-2003, 09:18 AM	#2
fatbaby Confirmed User Join Date: Jun 2003 Posts: 486	According to KimmyKim, whos knowledge in this area I would always defer to, Visa has not enabled this for Adult... which sucks! __________________

07-04-2003, 09:20 AM	#4
MegaPussy Confirmed User Join Date: Mar 2003 Posts: 243	Where are you seeing this? It's not on ours. VbV is not available for recurring transactions from what all the people in banking have told me. - Titus __________________ Tabloid Cash - Fresh New Concept! www.tabloidcash.com [email protected]

07-04-2003, 09:21 AM	#5
MegaPussy Confirmed User Join Date: Mar 2003 Posts: 243	Hmm weird, doesn't show on ours. That is odd. Not sure Epoch is working today, maybe someone can shed some light. - Titus __________________ Tabloid Cash - Fresh New Concept! www.tabloidcash.com [email protected]

07-04-2003, 09:28 AM	#7
crescentx Confirmed User Join Date: Jun 2003 Posts: 317	VbV I am told will not do recurring at this point. I have heard conflicting reports about adult, but I know I went to Verified by Visa's main site to look up my cards... First off, they complain about adult webmasters not doing enough to protect privacy/security online. Then they have you punch in your card on a non-SSL page. Cute. Anyway, none of my cards supported VbV, which means this whole think could be a moot point since VISA apparently functions simply as a gateway with no regulatory authority and if the issuing banks won't support it, there's nothing that can be done. -doug __________________ XYCash International Gay Affiliate Program

07-04-2003, 09:59 AM	#8
NetRodent Confirmed User Join Date: Jan 2002 Location: In the walls of your house. Posts: 3,985	I believe I saw a post from Rand at Epoch saying that Verified by Visa was not going to be allowed for recurring billing. There was no mention of it not being allowed for adult, but if it can't be used for recurring billing it is a defacto ban on adult. Edit: Actually it was Clay, in this thread. __________________ "Every normal man must be tempted, at times, to spit on his hands, hoist the black flag, and begin slitting throats." --H.L. Mencken Last edited by NetRodent; 07-04-2003 at 10:11 AM..

07-04-2003, 11:12 AM	#10
NETbilling Confirmed User Industry Role: Join Date: Jan 2002 Location: Huntington Beach, CA Posts: 8,591	Hi, Verifired by Visa is not allowed for recurring trasnsactions at this point. That may change in the future. However, there is no restriction on adult merchants. The rules are not totally clear and are actually changin all of the time. Many of the big merchants that were using it, have stopped because of customer confusion. 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!

07-04-2003, 10:22 PM	#11
Brown Bear Confirmed User Join Date: May 2002 Posts: 4,982	so why do they have the logo on the sign-up page and on the Epoch site? __________________ Surrender all your independent thinking and Click Here for re-programming.

07-04-2003, 10:51 PM	#12
rnicey Registered User Join Date: Sep 2002 Location: Hollywood, FL Posts: 37	David Shepard of Visa (via a 3rd party, therefore not authorative): ....There are no restrictions in terms of participating in Verified by Visa except when the merchant has "excessive" chargebacks or fraud and therefore, to protect Visa Issuers, falls into one of the following Visa programs: Global Chargeback Monitoring Program (GCMP): Merchants that are in this program due to excessive chargeback volumes are not eligible for the "attempts" liability shift while they are in the GCMP and for a period of 3 months thereafter; however, they may still participate in the program and will receive the liability shift for fully authenticated transactions. Risk Identification Service (RIS): If a merchant is identified as having excessive fraud, based on crossing RIS system parameters of "reported fraud" (fraud reported to Visa by Issuers), a chargeback window may be opened against the merchant that allows issuers to chargeback transactions regardless of the liability shift. Exactly which transactions are subject to the chargeback window is determined based on the type of RIS risk parameter/threshold that the merchant's reported fraud volumes/amounts violated. -- So let me make this simple. If their risk department thinks you're a risk, you don't get protection. If you're already in hot water and looking to Visa for some help, sorry.

07-05-2003, 12:53 AM	#13
Azazello Registered User Join Date: Jun 2003 Location: in a good country Posts: 23	Looks like iBill gonna use it: "Verified by VISA Program Soon iBill will offer the opportunity for its clients to participate in the Verified by VISA program. This new feature allows consumers to create a unique password that will be required at the point of purchase. When the end user attempts to make an Internet purchase, special software installed on the signup page will recognize VISA cards that have been registered. The consumer will then be prompted to key their unique password before a purchase can be approved. The entire process is web-based, so there is no need for consumers to install software. Merchants who choose to participate in the program will receive added fraud and chargeback protection at no cost. Please visit VERIFIED BY VISA for more information on how the program works and the value-added benefits to merchants." __________________ TonyBucks - it converts really well!