Jettis and Netbilling seem to get the most accolades on the board these days.

:thumbsup

The way things are going in 6 months they might be the only ones left. This is getting a bit nervewracking.

Besides the merchant discount (roughly 3%, depends on your deal and the card type) there are also other fees which add up quick. deposit fees, passthru fees, etc. read the small print and do the math. Most ISPIs work on
thin margins and high volume, getting your own merchant account might not be worth it in the end.

If you do decide to go it with your own merchant account, don't worry about a few CBs blowing you out of the water you have to have at least 100 CBs in a month before the 1% or 2.5% limits apply.

Anyone who wants to use their own merchant account will be VERY happy if they have the right company behind them.

:-)

Mitch

problem with an actual merchant account is if you get hit with a FINE of say 10k is what mastercard wants to fine people if they go over the 1% that would mean you would have to come up with 10k in cash to pay that instead of the IPSP eating the fines.

Just a thought some of those fines can get to be pretty hefty and even if you run an honest and legit business one bad apple could end up costing you several thousand in one whack in fines alone!..

something to think about.

Mitch,

What acquirers do you work with?

mike

Are you sure they accept adult websites? Their page looks rather mainstream ... and they are owned by WellsFargo Bank.

Seems here in Austria everything is a little bit different.
As far as I know there is no fixed cb% limit, no cb fees or fines and merchant accounts are not handled by banks but by VISA or Mastercard (=Europay) themselves. :)

I think one very important reason for getting your own merchant account is marketing.

With your own merchant account you can offer very flexible "specials" to your customers ... for example: 3 months for 49.95 after that period recurring billing for 14.95 per month. Or you could mail all existing rebilling customers and offer them to add a 1-year membership "for just 129.95".
Or you could email all cancelled accounts and offer them to renew their accounts for a reduced price ... without them having to reenter all their data -- because you have them on file.

You cannot do this with an ISPS because you dont have the CC numbers and they are not flexible enough doing that (at least not for a small guy like myself).

I look forward to Slovenia joining the E.U. and the Schengen contract very soon ... than we can finally travel to each other's country without those f*cking borders in between. :thumbsup

By the way ... if there are a few more adult webmasters in this region we could organize an "Adult Webmaster Get-Together South-East-Europe" ... I could bring Austrian beer and my g/f :winkwink:

JennyCards,

nice to see you here ... I am from AUT, too. Just one quick question - what kind of paysite(s) are you planning to launch?

Hi Mike,

We are working domestically with Cardsrvice, Signature and others. Offshore we are working with 3 banks in the EU and Pago as well.
Please contact me tomorrow to discuss...

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

You can also send me email or ICQ at: 117496436

Mitch Farber

Jenny, you're wrong.

MC is 1% worldwide. Visa is 2.5% international. Starting January 1st, Visa will be 2.0%

Using Netbilling and your own merchant account and MPA2 as your affiliate tracking program will make your program extremely solid, and not to mention that you will be in full control over all payouts and any VISA and MC issues that comes up.

Feel free to contact me with any questions.

Also, MPA2 customers will get FREE setup with Netbilling!

:thumbsup

ABSOLUTELY!!!


Mitch

For those of you who were interested in my findings ...

<B>netbilling.com</B>
They have very serious minimum transaction amounts for foreign (non-US) webmasters. We are simply too small for them :Oh crap

<B>jettis.com</B>
No answer from them so far ... when I receive it I will let you know.

Maybe I didn't notice because we have always been far below 0.5% :thumbsup

For those of you who asked to be kept up to date ...

- No quotation so far from Jettis.

- Applied today for my Visa and MasterCard merchant account at Austrian processors.

jennycards... John from Jettis here. How did you attempt to contact us? It certainly should not take days to get a quote.

Feel free to contact me directly at [email protected] and I'll get you in touch with the right people.