Should we also accept online checks for payments with CCBILL? - GoFuckYourself.com

JayJay · 02-10-2004, 11:05 PM

Should we also accept online checks for payments with CCBILL?
I heard from a friend that most checks get returned unpaid

TonyL · 02-10-2004, 11:19 PM

The return rate is pretty obscene. But if you don't you are throwing away money.

-Tony

powerbubba · 02-10-2004, 11:19 PM

They way we look at it is that our actual cost per signup is pretty low, and since there are no fees associated with check fraud, we really don't lose by accepting checks (we use ibill btw), but the rate is pretty darn high (80%?)

chowda · 02-10-2004, 11:21 PM

speaking of ccbill. is everything ok? my stats gone down the shit hole and i have no idea why.

monkeysnap · 02-10-2004, 11:24 PM

Yep, somewhere around an 80% return rate but the 20% extra would be missed out on otherwise.

stevo · 02-10-2004, 11:27 PM

My client stats work fine...

As for accepting checks with ccbill, dont bother! I think i had a 90%+ return rate. I had thousands $ in return checks last year and decided to remove it from my sites this year! (my only complaint with ccbill)

I'd suggest looking at probilling probably, ive heard they have decent check fraud prevention.

JayJay · 02-10-2004, 11:32 PM

Wow 80% to 90%!!!
The Problem is....
Do you think it could lose sales from people who would have used a CC but when they see an option to pay by online check choose that option and Stop the Check?

JayJay · 02-10-2004, 11:35 PM

an Idea would be to send CC Declines to the Online Check Signup form?

BVF · 02-10-2004, 11:38 PM

Quote:

Originally posted by monkeysnap
Yep, somewhere around an 80% return rate but the 20% extra would be missed out on otherwise.

Not if you have a minimum of 100mb movie clips in the members section and had idiots who would sign up WEEKLY with fraudulent checks. I didn't care back when I was just serving pictures, but I couldn't take the risk with large movie files. Bandwidth would be through the roof.

I don't know how people are getting away with it but I know for sure that people are still signing up with stolen credit card numbers and trying to trade the pass..I have one who has rebilled over 6 months and his username is routinely blocked and unblocked by pennywize. But he never emails me to complain about his username being blocked like others do.

I stopped taking checks long time ago and haven't noticed a difference.

JayJay · 02-11-2004, 12:01 AM

Im going to add this to my Check Signup Form
<TABLE WIDTH="734" BORDER="1" CELLSPACING="1" CELLPADDING="1" BORDERCOLOR="#000000"><TR><TD HEIGHT="21" BGCOLOR="#FFFFFF" BORDERCOLOR="#FFFFFF"><DIV ALIGN="CENTER"><FONT SIZE="2" COLOR="#FF0000"><B><FONT SIZE="3">WARNING REGARDING RETURNED CHECKS </FONT></B></FONT><FONT SIZE="2"><BR><FONT COLOR="#000000">Unpaid checks, returned by the bank for any reason, are referred to the Collection Department. $30.00 fee will be assessed. A letter is sent to the client advising them of the returned check. If there is no response from the client, the collector will attempt to contact them by telephone. The final collection action is to send a Notice to Dishonor which advises the client that failure to pay may result in additional collection and attorney fees being assessed. Interest of 12% is added from the date of dishonor. </FONT></FONT></DIV></TD></TR></TABLE>
might work?

TonyL · 02-11-2004, 12:12 AM

Here is our CCBILL stats for checks. Looks like we had about $100,000 in returned checks but we made over $300,000 that we wouldn't have had if we didn't accept checks. Our return rate is 23%. So you can see it's worth while.

-Tony

Donny · 02-11-2004, 12:18 AM

Returned checks are a problem. But I recently learned that CCBill has a option to make people validate their email address before their check is accepted.

I am having that option turned on. And from then on I'll email every single returned check owner and tell them that their name is going public on my message board.

Sly_RJ · 02-11-2004, 12:25 AM

You guys should be using a check processor to process your checks instead of CCBill. Check out www.achdebit.com . From what I've seen so far, they have a far superior system and will keep fraud out.

Use credit card processors to process credit cards. Use check processors to process checks. And use dialer companies to handle your dialers.

Doesn't that make a lot more sense?

Sly_RJ · 02-11-2004, 12:29 AM

Quote:

Originally posted by JayJay
Wow 80% to 90%!!!
The Problem is....
Do you think it could lose sales from people who would have used a CC but when they see an option to pay by online check choose that option and Stop the Check?

I always wondered that, too. We offer the check and dialer solution a little lower on the join page, a full screen down actually. Sales seem to be kicking as usual.

monkeysnap · 02-11-2004, 08:09 AM

Quote:

Originally posted by BVF

Not if you have a minimum of 100mb movie clips in the members section and had idiots who would sign up WEEKLY with fraudulent checks. I didn't care back when I was just serving pictures, but I couldn't take the risk with large movie files. Bandwidth would be through the roof.

True. It really does depend on how much bandwidth they can suck from you right off the bat, so with that many MBs of movies I can understand.

monkeysnap · 02-11-2004, 08:12 AM

Quote:

Originally posted by DonovanPhillips
Returned checks are a problem. But I recently learned that CCBill has a option to make people validate their email address before their check is accepted.

I am having that option turned on. And from then on I'll email every single returned check owner and tell them that their name is going public on my message board.

[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
[email protected]
and so on...

That's the problem with that.

Cindyff · 02-11-2004, 08:19 AM

After years of putting up with check fraud we stopped them on all sites. Our sponsors made us tours without checks as the fraud rate is much too high. As far as i know only pro billing has an alternative, but there is still fraud with them.

Colin H · 02-11-2004, 05:39 PM

Cut your echeck returns from 30-40% with other processors down to 5-7% With DirectCheck.

TweetyBird · 02-11-2004, 05:41 PM

good thing to know

PerfectionGirls · 02-11-2004, 05:42 PM

Yep.. returns are really high, but the sales that go through... rebill forever and ever. You will lose money if you dont take online checks from ccbill

Bansheelinks · 02-11-2004, 05:52 PM

Quote:

Originally posted by stevo
I'd suggest looking at probilling probably, ive heard they have decent check fraud prevention.

Nothin' like recommending a company that will be completely out of business soon. They already ate the shit sandwich on credit cards.

Bansheelinks · 02-11-2004, 05:56 PM

Quote:

Originally posted by chowda
speaking of ccbill. is everything ok? my stats gone down the shit hole and i have no idea why.

Hey Chowda........I don't think you're alone on that one. Have heard the same thing from several others. Some have said they've had days with them that are running at like 20% of normal revenue streams. And then they are back up again later?

Doesn't make sense for peeps to have drops that dramatic, and I ask if their traffic is the same, and its always yeah. Maybe someone from ccbill can answer this one.

sperbonzo · 02-11-2004, 05:59 PM

If you are looking for alternative billing methods....You may want to look at Duocash...

(BTW, I personally favor Intertrans or Electracash for ACH)

But if you would like to see more about how Duocash works:

http://www.duocash.com/merchants/Adu...antInfo3.0.pdf

Take a look.....We have some VERY big deals coming down and you will see us EVERYWHERE in about 6 months

02-10-2004, 11:05 PM	#1
JayJay Confirmed User Join Date: Jun 2002 Posts: 3,739	Should we also accept online checks for payments with CCBILL? Should we also accept online checks for payments with CCBILL? I heard from a friend that most checks get returned unpaid

02-10-2004, 11:19 PM	#3
powerbubba Confirmed User Join Date: Jan 2004 Posts: 358	They way we look at it is that our actual cost per signup is pretty low, and since there are no fees associated with check fraud, we really don't lose by accepting checks (we use ibill btw), but the rate is pretty darn high (80%?) __________________ GreatGirls.com [email protected] CrowsCrypt.com - Exclusive High Quality Goth www.crowscrypt.com

02-10-2004, 11:21 PM	#4
chowda Confirmed User Join Date: Jun 2003 Location: Gooch city Posts: 9,527	speaking of ccbill. is everything ok? my stats gone down the shit hole and i have no idea why. __________________ Someone finds you... 2007 PS: Nationalnet is the best host I've ever had. And i tried alot of them.

02-10-2004, 11:24 PM	#5
monkeysnap Confirmed User Industry Role: Join Date: Sep 2003 Location: Los Angeles, CA Posts: 603	Yep, somewhere around an 80% return rate but the 20% extra would be missed out on otherwise. __________________ I make sex games and you might also know me as 'orange'.

02-11-2004, 12:25 AM	#13
Sly_RJ Live Hard - Die Hard Join Date: Feb 2002 Location: Ready to leave... Posts: 17,042	You guys should be using a check processor to process your checks instead of CCBill. Check out www.achdebit.com . From what I've seen so far, they have a far superior system and will keep fraud out. Use credit card processors to process credit cards. Use check processors to process checks. And use dialer companies to handle your dialers. Doesn't that make a lot more sense? __________________ PHAT SERVERS - Quality dedicated hosting at a quality price! sly AT phatservers DOT com - 147479144

02-10-2004, 11:19 PM	#2
TonyL Confirmed User Join Date: Feb 2002 Location: "A measure of a man is his post count". Write that down. Posts: 900	The return rate is pretty obscene. But if you don't you are throwing away money. -Tony

02-10-2004, 11:27 PM	#6
stevo Confirmed User Join Date: Aug 2002 Location: Orlando, Florida Posts: 2,051	My client stats work fine... As for accepting checks with ccbill, dont bother! I think i had a 90%+ return rate. I had thousands $ in return checks last year and decided to remove it from my sites this year! (my only complaint with ccbill) I'd suggest looking at probilling probably, ive heard they have decent check fraud prevention.

02-10-2004, 11:32 PM	#7
JayJay Confirmed User Join Date: Jun 2002 Posts: 3,739	Wow 80% to 90%!!! The Problem is.... Do you think it could lose sales from people who would have used a CC but when they see an option to pay by online check choose that option and Stop the Check?

02-10-2004, 11:35 PM	#8
JayJay Confirmed User Join Date: Jun 2002 Posts: 3,739	an Idea would be to send CC Declines to the Online Check Signup form?

02-11-2004, 12:01 AM	#10
JayJay Confirmed User Join Date: Jun 2002 Posts: 3,739	Im going to add this to my Check Signup Form <TABLE WIDTH="734" BORDER="1" CELLSPACING="1" CELLPADDING="1" BORDERCOLOR="#000000"><TR><TD HEIGHT="21" BGCOLOR="#FFFFFF" BORDERCOLOR="#FFFFFF"><DIV ALIGN="CENTER"><FONT SIZE="2" COLOR="#FF0000"><B><FONT SIZE="3">WARNING REGARDING RETURNED CHECKS </FONT></B></FONT><FONT SIZE="2"><BR><FONT COLOR="#000000">Unpaid checks, returned by the bank for any reason, are referred to the Collection Department. $30.00 fee will be assessed. A letter is sent to the client advising them of the returned check. If there is no response from the client, the collector will attempt to contact them by telephone. The final collection action is to send a Notice to Dishonor which advises the client that failure to pay may result in additional collection and attorney fees being assessed. Interest of 12% is added from the date of dishonor. </FONT></FONT></DIV></TD></TR></TABLE> might work?

02-11-2004, 12:12 AM	#11
TonyL Confirmed User Join Date: Feb 2002 Location: "A measure of a man is his post count". Write that down. Posts: 900	Here is our CCBILL stats for checks. Looks like we had about $100,000 in returned checks but we made over $300,000 that we wouldn't have had if we didn't accept checks. Our return rate is 23%. So you can see it's worth while. -Tony

02-11-2004, 12:18 AM	#12
Donny As you wish... Industry Role: Join Date: May 2002 Posts: 13,754	Returned checks are a problem. But I recently learned that CCBill has a option to make people validate their email address before their check is accepted. I am having that option turned on. And from then on I'll email every single returned check owner and tell them that their name is going public on my message board.

02-11-2004, 08:19 AM	#17
Cindyff Confirmed User Industry Role: Join Date: Sep 2002 Location: California Posts: 1,187	After years of putting up with check fraud we stopped them on all sites. Our sponsors made us tours without checks as the fraud rate is much too high. As far as i know only pro billing has an alternative, but there is still fraud with them.

02-11-2004, 05:39 PM	#18
Colin H Registered User Join Date: Oct 2002 Posts: 35	Cut your echeck returns from 30-40% with other processors down to 5-7% With DirectCheck. __________________ [email protected] <a href="http://www.probilling.com/advertiserDispatcher.cfm?ac=COLINH&pc=COLINH" target="_blank"><img src="http://www.probilling.com/images/promo/DC1_468x60.gif" border="0"></a>

02-11-2004, 05:41 PM	#19
TweetyBird Confirmed User Join Date: Feb 2004 Location: Canadian this !!! Posts: 8,532	good thing to know __________________ sig for sale. ICQ :338213644

02-11-2004, 05:42 PM	#20
PerfectionGirls Too lazy to set a custom title Join Date: Oct 2002 Location: MI Posts: 4,484	Yep.. returns are really high, but the sales that go through... rebill forever and ever. You will lose money if you dont take online checks from ccbill __________________ 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.

02-11-2004, 05:59 PM	#23
sperbonzo I'd rather be on my boat. Industry Role: Join Date: May 2003 Location: Miami, FL Posts: 9,748	If you are looking for alternative billing methods....You may want to look at Duocash... (BTW, I personally favor Intertrans or Electracash for ACH) But if you would like to see more about how Duocash works: http://www.duocash.com/merchants/Adu...antInfo3.0.pdf Take a look.....We have some VERY big deals coming down and you will see us EVERYWHERE in about 6 months __________________ Michael Sperber / Acella Financial LLC/ Online Payment Processing [email protected] / http://Acellafinancial.com/ ICQ 177961090 / Tel +1 909 NET BILL / Skype msperber