I think #2 should be surfer fraud . Surfers know that banks and billing companies have a knee jerk reaction to the word charge back so they get away with fraud almost every time. Stop this practice and i think you would see a difference in sales.

:2 cents:

first off if the person is being scrubbed, there should be a good reason! do you want this guy not to be scrubbed. Because the guy might be a chargeback freak! I'd rather have the guys scrubbed than not to. Because then you've given away free bandwidth, free access to the site, and it goes against you with visa!

jDoG

So are you saying billers scrub on the individual or the bank level? We don?t do trials, or click or un-clicked up sells, and we have 7 day phone support, our CB ratio is low, but most of our declines are from non webmaster traffic. I have a hard time joining my own sites with some of my own cards, leading me to believe the bank is blocked.

Many people scrubbed are ditched for something as simple as a p.o. box address. How is that good critirea? And if you were that surfer, would you want to go through the bullshit again? It's hard enough to convince them to whip out plastic, let alone make them jump through hoops to do it, with good potential that the will not be allowed to do so! If it was me as a surfer, no fucking way! This has to leave something of a bad taste in the mouth of the surfer. What could this mean for the future of our industry, and sales/billing in particular? Is there a solution?

I feel it will only get worse before it takes a turn for the better. The fuckin declines I get kill me every fuckin day. :(

Sorry for the delay?

I was referring to the reasons that risky transactions get declined by ccbill. I am not going to risk the chance of posting something that might facilitate the circumventing of our fraud prevention methods.


there are companies out there that run exceptional businesses and have very low chargeback rates

it IS the banks.. there are several aussie bank issued cards that plainly will not work. I can't sign up to ANY paysite with my card..

But i've got to disagree with the cascading thing, sure it's not seamless and transparent like people think it is but it literally nets 33% more profit. I've got one newish site with only 162 members but shows neatly in the figures what cascading means to me:

101 ccbill
v

55 epoch

(6 check)

thats a pretty massive.. can't ignore a third using 3rd party only.

third party billers dont allow this. user has to enter CC info on every single processor. so its not invisible at all.
it can be done only maybe if you have merchant accounts at each processor.

:glugglug :glugglug :glugglug

I just want to add that i know it's 50% more profit, or 150% times the profit not 33% more, i meant it accounts for roughly 33% of the profit of the site, in case there are any people like me that get bugged when people use bad maths.

fiddy :glugglug

nice thread

i never got declined on adult processor
but i have been declined in the past by

worldpay
clickbank
2000charge

The funniest (this is not really a proper word for this case) thing is that I saw a situation when some russian fucker started to enter cc data with all names by alphabet from some stolen list in order to racket the paysite owner for some monies they all passed through - 40 transactions made within 40 minutes. And this is when the good transactions often happened to be declined with that billing. Is not this some shit?

I got scrubbed paying ccbill the 750 for the visa fee! now thats scrubbin!
ds

lol

Go ahead and scrub, whatever the case is.. ccbill is not going to be doing it on purpose, it's to protect me..

I feel warm already :)