Why do US BASED credit card processors scrubb countries like Poland? - GoFuckYourself.com

polish_aristocrat · 07-29-2004, 12:54 PM

All US BASED credit card processors ( with Jettis being an exception ) scrubb polish credit cards.

What's the EXACT reason? Do countries like Poland really have significantly higher charge backs?
I would say its's the contrary: polish surfers are even less aware of chargebacks possibilities.
I know that credit card penetration in Poland is lower than in the US or Western Europe, but those more wealthy users who have them, would sometimes also want to buy porn with them. They are accepted by Amazon, but declined by default when they try to buy porn sites memberships.

So are the charge backs in Poland really higher than in f.e Germany?

bluff · 07-29-2004, 12:59 PM

bump for you, I've always wondered about this. The majority of european cc users aren't aware of the possibility of charging back.

polish_aristocrat · 07-29-2004, 01:36 PM

oh wait, a business question on GFY =

herbal logic · 07-29-2004, 01:43 PM

Filters whose name includes ?Risk List? make use of lists that VeriSign maintains. VeriSign performs extensive statistical analysis of millions of e-commerce transactions to determine transaction data elements (for example BIN numbers or ZIP codes) that are statistically more likely than average to be correlated with fraudulent transactions.

Inclusion in a Risk List is not an absolute indication of fraud, only a statistical correlation that indicates that you should evaluate the transaction more closely (and in conjunction with other filter results for the transaction).

bluff · 07-29-2004, 01:48 PM

Quote:

Originally posted by herbal logic
Filters whose name includes ?Risk List? make use of lists that VeriSign maintains. VeriSign performs extensive statistical analysis of millions of e-commerce transactions to determine transaction data elements (for example BIN numbers or ZIP codes) that are statistically more likely than average to be correlated with fraudulent transactions.

Inclusion in a Risk List is not an absolute indication of fraud, only a statistical correlation that indicates that you should evaluate the transaction more closely (and in conjunction with other filter results for the transaction).

is access to such lists public?

Anothers · 07-29-2004, 02:56 PM

Quote:

Originally posted by bluff
is access to such lists public?

http://www.verisign.com/products-ser...aud/index.html

and this one

http://www.verisign.com/products-ser...omparison.html

slapass · 07-29-2004, 03:04 PM

All countries with lower incomes per capita are more prone to fraud.

Mike Okitch · 07-29-2004, 03:35 PM

Long story short, Poland is still on the shitlist of many processors and banks. Unfortunately, many countries that where on the other side of the iron curtain still are. Time and patience are the only things in this game. Poland just joined the EU so things should hopefully change soon.

Cheers,

Mike

David - PG · 07-29-2004, 03:49 PM

Because the pope is the only Pole worldwide that hasn't been caught stealing

bluff · 07-29-2004, 03:52 PM

Quote:

Originally posted by David - PG
Because the pope is the only Pole worldwide that hasn't been caught stealing

think twice before you make such statements in the future

Desperate Andy · 07-29-2004, 03:55 PM

we have polish customers with Ibill. Not sure how much of them are declined though.

Mike Okitch · 07-29-2004, 04:20 PM

Quote:

Originally posted by David - PG
Because the pope is the only Pole worldwide that hasn't been caught stealing

You sir are an idiot

psyko514 · 07-29-2004, 04:30 PM

Quote:

Originally posted by Mike Okitch
You sir are an idiot

I'm a Pole, and although I resent the comment, I still find it funny

Fletch XXX · 07-29-2004, 04:32 PM

because you simply cannot trust anyone who is not based in the US. its as simple as that.

you people want to use our money, you want our interest rates, but you want to talk shit about us in our war for oil???

suck it up, scrub scrub scrub.

s9ann0 · 07-29-2004, 04:35 PM

I know shit about this but I thought it was because a lot of countries don't have a system where they can do a proper authorisation with the address and stuff?

Sony · 07-29-2004, 04:52 PM

Quote:

Originally posted by Desperate Andy
we have polish customers with Ibill. Not sure how much of them are declined though.

yeah, Ibill is the only one from the biggies who accept eastern european cc's. CCbill, Epoch, Jettis have blocked all these countries.

balas · 07-29-2004, 05:23 PM

Quote:

Originally posted by David - PG
Because the pope is the only Pole worldwide that hasn't been caught stealing

Im from Poland and during my life I met more frauders in US (where I lived for 5 months and Ill be here 3 more) than in Poland for over 23years...

90% of them are latin american ... but they ARE still US citizens
... so FUCK OFF !

Quote:

Originally posted by Fletch XXX
because you simply cannot trust anyone who is not based in the US. its as simple as that.

you people want to use our money, you want our interest rates, but you want to talk shit about us in our war for oil???

suck it up, scrub scrub scrub.

think one more time before u write such stupid thing next time...

more books, more history lessons, more school ... and less TV should help u (if its not too late)

polish_aristocrat · 08-18-2004, 11:37 AM

Quote:

Originally posted by spanno
I know shit about this but I thought it was because a lot of countries don't have a system where they can do a proper authorisation with the address and stuff?

I don't think that is the problem. They just assume fraud by default and it's kinda stupid sicne the huge majority of users from that countries doesnt even know about charge back possibilities.

RicardoB · 08-18-2004, 12:30 PM

I would gues because fraud levels are higher in those parts of the world

HarlotCash Dyker · 08-18-2004, 01:41 PM

Quote:

Originally posted by Fletch XXX
because you simply cannot trust anyone who is not based in the US. its as simple as that.

you people want to use our money, you want our interest rates, but you want to talk shit about us in our war for oil???

suck it up, scrub scrub scrub.

Before this post, I wrongly assumed you were intelligent.

Back to the thread -

I have had perfectly good uk credit cards turned down every time by ccbill when trying to use it from Poland - We also have had our Polish credit cards turned down by adult processors -

When we buy domains, or other non adult stuff, we have no problems with any cards - So it does look like Poland is sort of blacklisted.

As for adult internet scams - Poland is guilty like all countries, of producing thieves - But it is a fact usa top the fraud list.
(There is a thread somewhere on gfy with some links to articles about this - Search not working prevents me from giving the link.)

johndoebob · 08-18-2004, 01:48 PM

Most fraud comes from the US that's a fact and people who commit fraud on the internet usually don't use local credit cards.Maybe the processors think they can scrub on eastern european sign ups because they don't happen that often and nobody will notice.Aren't there local polish processing companies?

Fletch XXX · 08-18-2004, 01:50 PM

BUAHAHA i cant believe you people actually take the nonsense i spew seriously.

glad i dont do business with any of you dumbasses, i do more business with people OUTSIDE the US than FROm the US.

BELIEVE EVERYTHING YOU READ ON THIS BOARD

its called gullibility

Fletch XXX · 08-18-2004, 01:51 PM

Quote:

Originally posted by HarlotCash Dyker
Before this post, I wrongly assumed you were intelligent.

see post above, i dont care what you think of me.

if you dont understand my humor i am the stupid one?

ah ok.

So because most people dont udnerstand Dennis Miller refernces he is an idiot.

you people are funny

HarlotCash Dyker · 08-18-2004, 01:56 PM

Quote:

Originally posted by Fletch XXX
see post above, i dont care what you think of me.

if you dont understand my humor i am the stupid one?

ah ok.

So because most people dont udnerstand Dennis Miller refernces he is an idiot.

you people are funny

Some threads happen to be serious and business-like - Choose the right thread to post your humour - If you don't, your jokes most certainly will be missunderstood.

polish_aristocrat · 08-18-2004, 01:57 PM

Quote:

Originally posted by Fletch XXX
see post above, i dont care what you think of me.

if you dont understand my humor i am the stupid one?

ah ok.

So because most people dont udnerstand Dennis Miller refernces he is an idiot.

you people are funny

I was pretty sure you were joking, but the less people post here, the more they assume it's a serious board and therefore they take more things seriously....

polish_aristocrat · 08-18-2004, 01:59 PM

BTW Dyker, you once called me an idiot or something like that, but i still like you, so here's a useful link for you

http://www.gofuckyourself.com/newsearch.php?s=

Fletch XXX · 08-18-2004, 02:00 PM

Quote:

Originally posted by polish_aristocrat
I was pretty sure you were joking, but the less people post here, the more they assume it's a serious board and therefore they take more things seriously....

not my fault.

i really dont care what some one thinks about what i say here.

i think people would have greasped that shit in 39000 posts.

Harlot Dyke knows me well enough to *consider me intelligent* but doesnt know my humor? whatever, these people are goofy and that is that

Steen2 · 08-18-2004, 02:04 PM

Because they don,t like aristocrats.

chupachups · 08-18-2004, 02:05 PM

Making a chargeback in any european country is virtually impossible. You can´t just pick up the phone/write a letter to get a refund unless you can prove in black/white you were indeed swindled.

polish_aristocrat · 08-18-2004, 02:05 PM

Quote:

Originally posted by johndoebob
Aren't there local polish processing companies?

Yes, but when a polish surfer is sent to an US paysite, he gets declined by default by the US processor ( maybe Jettis will accept him, but I've read something that Jettis was sold to Epoch recently... )

I know that not many poilish surfers will try to sign up with a credit card, but those who will are rather honest.

If there was less scrubbing, then overall conversions across all major sponsors could be slighly better.

BTW i am not talking only about countries like Poland..i've read yesterday a paysite owner from Australia asking someone to test- join his site, becasue he was also declined 'cause he lives in Australia.

I know scrubbing has a reason, but it definitely descreases the number of overall sales in this industry.

07-29-2004, 12:54 PM	#1
polish_aristocrat Too lazy to set a custom title Join Date: Jul 2002 Posts: 40,377	Why do US BASED credit card processors scrubb countries like Poland? All US BASED credit card processors ( with Jettis being an exception ) scrubb polish credit cards. What's the EXACT reason? Do countries like Poland really have significantly higher charge backs? I would say its's the contrary: polish surfers are even less aware of chargebacks possibilities. I know that credit card penetration in Poland is lower than in the US or Western Europe, but those more wealthy users who have them, would sometimes also want to buy porn with them. They are accepted by Amazon, but declined by default when they try to buy porn sites memberships. So are the charge backs in Poland really higher than in f.e Germany? __________________ I don't use ICQ anymore.

07-29-2004, 01:36 PM	#3
polish_aristocrat Too lazy to set a custom title Join Date: Jul 2002 Posts: 40,377	oh wait, a business question on GFY = __________________ I don't use ICQ anymore.

07-29-2004, 03:35 PM	#8
Mike Okitch Confirmed User Join Date: May 2004 Location: Guantanamo Bay, Cuba Posts: 4,126	Long story short, Poland is still on the shitlist of many processors and banks. Unfortunately, many countries that where on the other side of the iron curtain still are. Time and patience are the only things in this game. Poland just joined the EU so things should hopefully change soon. Cheers, Mike __________________ 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.

07-29-2004, 03:55 PM	#11
Desperate Andy Confirmed User Industry Role: Join Date: Mar 2003 Location: Europe Posts: 150	we have polish customers with Ibill. Not sure how much of them are declined though. __________________ Serious Coin Partnership Program: 50+ exclusive niche sites. Convert your Medical, Lesbian, Nude Sports, BDSM, Femdom, CFNM Fetish traffic!

07-29-2004, 04:32 PM	#14
Fletch XXX GFY HALL OF FAME DAMMIT!!! Join Date: Jan 2002 Location: that 504 Posts: 60,840	because you simply cannot trust anyone who is not based in the US. its as simple as that. you people want to use our money, you want our interest rates, but you want to talk shit about us in our war for oil??? suck it up, scrub scrub scrub. __________________ Want an Android App for your tube, membership, or free site? Need banners or promo material? Hit us up (ICQ Fletch: 148841377) or email me fletchxxx at gmail.com - recent work - About me

07-29-2004, 12:59 PM	#2
bluff Too lazy to set a custom title Join Date: Jan 2004 Location: Bluffville Posts: 6,253	bump for you, I've always wondered about this. The majority of european cc users aren't aware of the possibility of charging back.

07-29-2004, 01:43 PM	#4
herbal logic Confirmed User Join Date: Feb 2004 Posts: 1,172	Filters whose name includes ?Risk List? make use of lists that VeriSign maintains. VeriSign performs extensive statistical analysis of millions of e-commerce transactions to determine transaction data elements (for example BIN numbers or ZIP codes) that are statistically more likely than average to be correlated with fraudulent transactions. Inclusion in a Risk List is not an absolute indication of fraud, only a statistical correlation that indicates that you should evaluate the transaction more closely (and in conjunction with other filter results for the transaction).

07-29-2004, 03:04 PM	#7
slapass Too lazy to set a custom title Join Date: Nov 2002 Location: Earth Posts: 14,622	All countries with lower incomes per capita are more prone to fraud.

07-29-2004, 03:49 PM	#9
David - PG Confirmed User Join Date: Mar 2004 Posts: 767	Because the pope is the only Pole worldwide that hasn't been caught stealing

07-29-2004, 04:35 PM	#15
s9ann0 Confirmed User Join Date: Sep 2001 Location: Boston Posts: 4,873	I know shit about this but I thought it was because a lot of countries don't have a system where they can do a proper authorisation with the address and stuff?

08-18-2004, 12:30 PM	#19
RicardoB Confirmed User Join Date: Jan 2004 Posts: 2,576	I would gues because fraud levels are higher in those parts of the world __________________ Let Me Show Ya How I Really Feel Ricardo's Rants

08-18-2004, 01:48 PM	#21
johndoebob Confirmed User Join Date: Mar 2004 Posts: 3,405	Most fraud comes from the US that's a fact and people who commit fraud on the internet usually don't use local credit cards.Maybe the processors think they can scrub on eastern european sign ups because they don't happen that often and nobody will notice.Aren't there local polish processing companies? __________________

08-18-2004, 01:50 PM	#22
Fletch XXX GFY HALL OF FAME DAMMIT!!! Join Date: Jan 2002 Location: that 504 Posts: 60,840	BUAHAHA i cant believe you people actually take the nonsense i spew seriously. glad i dont do business with any of you dumbasses, i do more business with people OUTSIDE the US than FROm the US. BELIEVE EVERYTHING YOU READ ON THIS BOARD its called gullibility __________________ Want an Android App for your tube, membership, or free site? Need banners or promo material? Hit us up (ICQ Fletch: 148841377) or email me fletchxxx at gmail.com - recent work - About me

08-18-2004, 01:59 PM	#26
polish_aristocrat Too lazy to set a custom title Join Date: Jul 2002 Posts: 40,377	BTW Dyker, you once called me an idiot or something like that, but i still like you, so here's a useful link for you http://www.gofuckyourself.com/newsearch.php?s= __________________ I don't use ICQ anymore.

08-18-2004, 02:04 PM	#28
Steen2 Confirmed User Join Date: Feb 2004 Location: Vancouver, Canada Posts: 7,662	Because they don,t like aristocrats. __________________ ICQ: 2262.73945

08-18-2004, 02:05 PM	#29
chupachups Confirmed User Join Date: Dec 2002 Location: Sweden/Spain you sum bitch! Posts: 6,576	Making a chargeback in any european country is virtually impossible. You can´t just pick up the phone/write a letter to get a refund unless you can prove in black/white you were indeed swindled.