Viva Multi Bill - Muahaha

it is a 3 step join process .... ewww scary for conversions ... :(

You know, we've just had VISA demanding we identify ourselves more closely with our sites, now we have MC demanding - at least for IBill - we identify the IPSP with them. This whole thing is nothing but a recipe for confusion.

Is there an answer yet as to whether or not any subsequent memberships the surfer buys in his "shopping experience" are all on the same transaction?

Heck it sounds like a great deal to buy 10 different site memberships on one transaction and then charge them back all at once. May do it myself.

In fact a surfer who is in an erotic frenzy may just buy a few other memberships cos they sound good, only to be bitterly disappointed.

Or there is a good chance that they will remove you from the cart if they think they have found something better. Your hard work is now diluted. I had better get points on other cart sales.

Serious procedural issues if this is how it all works. Sounds like a real half assed situation.

You MUST be fucking joking.

It's all about identifying IBill as the merchant, if I understand it correctly.

If that's the case, then why not just list the prices and then put a big logo saying "you will be billed by Ibill"... say, like Globill does it?
That still tells the surfer up-front what to expect, gives him the information he needs, and gives Ibill their little moment in the spotlight.

Has to do with the shopping cart I think. You are entering a portal, where you can buy many things. A membership to your site is just one of them.

At the end of the day, the most impact here is in the post thru part of the system, not the shopping experience...

How so, KK?

That is a very good question. I spoke in detail to someone at iBill about this and they end up being multiple transactions not one transaction.

talking to netbilling is beginning to look more tempting.

well, that's good news indeed.

Thats a bit harsh:glugglug

I think most fair minded webmasters here will see Ibills webcast in a good light. They are now communicating better with us.

But I reckon Give Credit Where Credits Due....

Ibill now is on the right track . .

Right track? Ibill should buy a new train.

I've been with iBill since 98 but now I'm thinking about talking to netbilling as well! Crazy times.

Quiet, are you still planning on getting out in October?
If so, would going through the hassle of changing processors with so little time left *truly* make any difference?

Ibill is proactive here !!

Think their train of destiny is going to all the destinations I want
( All the ones that have $$$ and security)

Still room for more (Good) Passengers !!

quote:
--------------------------------------------------------------------------------
Originally posted by grampatex


That is a very good question. I spoke in detail to someone at iBill about this and they end up being multiple transactions not one transaction.
--------------------------------------------------------------------------------


Unless they are the same dollar amount. If so it looks like a double billing issue. :thumbsup

i own suckysuckyfivedollar.com :thumbsup

:thumbsup

Yeah well they need some track too.

This has to be the worst implementation of a directive that I've ever seen.

What were they thinking? Was anyone thinking?

how cute the two of you..lol:1orglaugh

You didn't get the memo? The hatchets been buried. In someone else's back hopefully ;)

Maybe I've missed the clue entirely here but if the billing companies are now being forced into identifying themselves as the merchant isn't that changing the entire shape of the industry?

If the billing company is now the merchant in the eyes of MC - and potentially Visa somewhere down the track too - what happens if the billing company goes over the 1% limit?

The billing company has always been the merchant in the eyes of MC and Visa, they are the account holder.

If they go over the limits they are fined, nothing has changed with MC really except for this whacked out idea they have of brand identity and how to promote it. I'd imagine some of the non adult companies are screaming blood murder over all this since there are some of them affected as well.

Visa's now looking at everyone on an individual basis but having an IPSP in front of you when they are taking aim is still worth the money that you spend on it, imo.

LOL

Hi Quiet,

We will be happy to have you.

Things are very smooth on our side of the fence. It's all about control (and saving $$$ too).

Thank you, Mitch

Why?
The reliance on an IPSP seems to increase your liability at least two fold.

Naturally, you need to be concerned about your billing practices; however, you can control yourself (hopefully). Yet, with an IPSP, you are forced to consider the billing practices and tools of the IPSP itself.

In addition, you have to worry about the total volume the IPSP is doing, if larger clients begin to defect to their own merchant accounts etc. The IPSP could have complications with it's chargeback + refund ratio.

We all know you lose your rebills, reserve and maybe a few pay periods when a processor goes tits up, but you are also on the hook for potential affiliate sales.

However, how does this change your standing with Visa/MC ? How do they hold you the site-owner in regard to a failed processor?

Being the bigest Boy on the block - they can have all the track they want !

Mitch:

I have to ask?

1. Are you aware that MC rules state that 15 chargebacks in a month put you in the fine program if you are over 1% combined credits and chargebacks?
2. Please tell me how any program of any volume can stay out of a $25,000.00 per month fine?
3. Also, are your clients processing both Visa and MC in one US Acquiring Bank?

I know we are seeing each other in Florida and sitting on yet another panel together so we can slug it out there, but for now, please answer these questions if you don?t mind.

C

PS: An EPOCH Post about MC's new rules will be out later today so you guys know where we stand on these issues.

Interesting! :(

Good Question Chris - Will be interested with Mitch's reply !!

iBill wants to freeze my reserves because of 3 (THREE) chargebacks in 6 months. No kidding.

Did they freeze them? I got the email too but got paid anyway. My client rep told me that my chargeback ratios did not warrant the holding of reserves.

How is it going with your merchant account inquiries?

You should know better than most that MC did not come out with a clear directive and it was up to the Processors to take their version of a compliant system to MC for approval. It is not suprising that the two that have been revealed are somewhat different but it also stands to reason that they will look very similiar soon after launching based on competitive issues and also what MC will allow them to do.

In fact they paid my December reserve right on the day they announced to freeze it. But what the fuck ... they may deduct that amount at any time in the future.

Read <A Href="http://www.gofuckyourself.com/showthread.php?s=&threadid=152295&pagenumber=2">he re</A> about my efforts getting my own merchant account.

Sorry Res, but they arent the biggest. It's my belief that CCBill outpaced them quite some time ago and Epoch is probably doing more volume as well... they've lost alot of business in the last several months, and you don't need to be Sherlock Holmes to see it... just look around at the join pages, or lack thereof.

Some of their larger accounts are no longer processing there, by their own choice and some more were terminated by Ibill directly, as the rumor goes.

This is a ridiculous solution to a set of rules, one that goes well beyond what was asked for, and in a way that's not designed to help the site owner or the affiliates in the situation.

You're a sweetie but it seems to me that lately you've been a bit misguided on the billing front, after your announcement last week regarding chargeback ratios and now this. I'm not sure where you are getting your information but I think you'd better check the source. :)

Hi,

Sorry for the delay. I just saw this.

None of our merchants have had any fine issues except for one several months ago.
We have merchants at several banks in the US and offshore.

I will not be at Internext as my wife is due with our 3rd son in mid August. Our sales manager Karen will be on the panel with you instead. She is just there to help the webmasters and give information, not duke it out with you. That would be my job. :-) I;m sure you guys will have a good time.

Mitch

p.s. This will be my first missed show since 1998.

Mastercard has lost their fucking collective minds. What's that saying? "A camel is a horse designed by committee..."?