Screw Visa!! :D - GoFuckYourself.com

vicki · 01-06-2005, 03:06 PM

well we know most of the big guys are partying way too hard out in Vegas so we decided to do something to help the little guys celebrate too!!

for US and CA paysite owners - packaged processing with Merchant account and gateway
No hidden or extra fees
We'll waive visa fee's
No setup fees through march

CHECK MY TAGLINE !!
*kisses and free drinks welcome* :D

Lace · 01-06-2005, 03:10 PM

hmmm.......

StuartD · 01-06-2005, 03:11 PM

Yeah, I remember when Glo-bill and WSB and ProBilling and PSW Billing and AC Pay and DutchBilling and GloboSale and Ginix all said that they their clients didn't have to pay the Visa fees too.

hydro · 01-06-2005, 03:14 PM

good rates, where in tx are you located?

Funky Bastard · 01-06-2005, 03:16 PM

yeah where at in texas?

vicki · 01-06-2005, 03:30 PM

these are merchant accounts, not 3rd party processing
there isn't any law that says we can't handle that portion is there?? hehehe

Near San Antonio - remember the Alamo!! lol

The Other Steve · 01-06-2005, 03:52 PM

Don't let the low post count fool anyone. Vicki has been around this industry a LONG time and has a good reputation.

That doesn't mean that I'm endorsing this product in any way.

vicki · 01-06-2005, 04:01 PM

hey TOS, long time no talk

ummm you aren't calling me OLD are you?! *looking around for my bullwhip* roflmao

yeah he's right .. i been around here since 97 and one of these days I SWEAR i'll hit 500 posts!!!
{sidenote} thank goodness he's talking about my business reputation! lol

hugs and tell your wife hello

by the way, for any interested heres a URL with more info:
http://www.ecscommerce.com/adult.html

vicki · 01-06-2005, 06:01 PM

bummmmp!

aceman · 01-06-2005, 06:05 PM

4% processing for adult for the "little guy" only happens when you mis-code a merchant account, and then when visa + mc finds out, welcome to the blacklist.

JSA Matt · 01-06-2005, 06:07 PM

yeah, I want to trust a merchant account with someone saying 'screw visa!', LOL

vicki · 01-06-2005, 06:08 PM

aceman

wrong, this is fully and 100% v/mc compliant
and you get those rates when you have a solid reputation with the higher echelon of banking institutes ;)

sorry to burst bubbles lol

aceman · 01-06-2005, 06:13 PM

Quote:

Originally Posted by vicki

aceman

wrong, this is fully and 100% v/mc compliant
and you get those rates when you have a solid reputation with the higher echelon of banking institutes ;)

sorry to burst bubbles lol

name 2 programs that use you that are at 4%.

jimmyf · 01-06-2005, 06:17 PM

Quote:

Originally Posted by aceman

name 2 programs that use you that are at 4%.

????????

AgentCash · 01-06-2005, 06:27 PM

Quote:

Maximum monthly processing limits $20,000 USD. Higher volume accounts please discuss your requirements with your account representative.

Funky Bastard · 01-06-2005, 06:31 PM

Sounds good I am in san antonio to mabe we could do lunch and talk about it? ICQ in sig let me know!

tony286 · 01-06-2005, 06:35 PM

looks too good to be true

BRISK · 01-06-2005, 07:16 PM

Quote:

Originally Posted by JSA Matt

yeah, I want to trust a merchant account with someone saying 'screw visa!', LOL

Good point

vicki · 01-06-2005, 08:03 PM

I think what you are confusing is third party processing and merchant account processing. Although in the end the principal is the same (getting to accept cc & checks online) they have marked differences in character.

A third party processor such as ccbill, epoch etc MUST charge higher rates because in essence they are covering your hides under their merchant accounts amongst other things. Its a high risk for them and it's evident in their rates.

With a merchant account, the vendor applies to a merchant bank for an account (we are only the delivery vehicle). In this case they are called MOTO's (mail order, telephone order - that includes internet) and because the vendor signs an agreement directly with the banking institute they in essence cut out the middleman. The vendor has much more control over his own funds and saves money by cutting out the middleman. The funds are also deposited directly into the vendors bank account.

The rates offered by the banking institute have nothing to do with us as a gateway except for the fact that we've established a solid relationship with them to help acquire vendors. The better our standing with banking institutes, the more banks wanting to do business with us.
Basically .. the more vendors the bank has, the more money they make. And they like working with companies that have solid financial and business reputations when trying to obtain them.

There are a couple of other merchant account processors that deal in adult and if familiar with them you would see their rates are comperable to ours .. the difference is that we choose to give a full pricing package and full cost disclosure (for both merchant account AND use of our gateway) up front rather than trying to slide hidden costs in on you like some others do.

There are no smoke and mirrors involved.
I can't honestly claim we bury our competitors with our prices but I can say we are DA*M competitive and do NOT hide any of the cost!

The high percentages you are thinking about are most certainly for 3rd party processing, not merchant account processing. Now if I told you our brick and mortar merchant rates it might throw you into a tailspin at how low those are so i'll refrain hehehe

And shame on you JSA, a simple sense of humor that is fitting of the board(s) i'm posting on lol ;)

HKS sounds kewl, my icq is 74296746

cheeky · 01-06-2005, 09:19 PM

Quote:

Originally Posted by vicki

hugs and tell your wife hello

Hi Vicki, I think I have less posts than you

One day I might make 500...

TheMob · 01-06-2005, 09:22 PM

wow, the 4% sounds sweet

pxxx · 01-06-2005, 10:18 PM

Quote:

Originally Posted by BRISK

Good point

I am sure it wasn't intended like that. She explained that on her post above.

BVF · 01-06-2005, 10:42 PM

somebody bookmark this thread and bump it in 2006 and state what happened

BoyAlley · 01-07-2005, 02:01 AM

Greetings:

So what's exactly involved in the approval process if you apply?

Do you do a credit check?
Ask for certified copies of the company's financials?
Pull a D&B report?
Ask for a business plan?
Want to see bank statements?

foxxx · 01-07-2005, 02:03 AM

i'm suss... but i got burnt by ginix... so you get that...

vicki · 01-07-2005, 06:19 AM

Quote:

Originally Posted by BoyAlley

Greetings:

So what's exactly involved in the approval process if you apply?

Do you do a credit check?
Ask for certified copies of the company's financials?
Pull a D&B report?
Ask for a business plan?
Want to see bank statements?

Hi BoyAlley

The process is fairly simple but does take a bit of work .. luckily the savings make it very worth while ;)

A good portion of what is needed is listed on our signup form and covers this:
Corp/Business name, address, phone, email
Type of company (LLC, partnership, sole prop)
If partnership the percentage of ownership (50/50 requires both owners sig etc)
Personal info, name, address, phone, email, SSN etc
Monthly sales volume
Average transaction amount
Type of product (in most adult cases its recurring memberships)

Giving a couple of business references is always best .. even if its just a local grocer that you do biz with on a regular basis lol

We do not run a credit check but the bank can/does. It does not take stellar credit ratings but does take decent credit to be approved provided everything else is well and good.

certified copies - no, but if you have been processing in the past - giving 3-6 months of transaction history is HIGHLY recommended. They look to verify per transaction amounts, average monthly volume and of course charge back ratios.

D & B - no

Business plan - a short synopsis

Bank Statements - no, not really.

Of course there are signatures required, copies of ID etc. The initial signatures can be done via fax, however the hard copies must be received within a reasonable timeframe.

Its all pretty standard stuff - the same as getting any type of processing.
The time to get approved is approx 1-3 business days and to get fully setup and running is about 1-2 weeks depending on particulars.

I hope this helps?

vicki · 01-07-2005, 06:21 AM

hahaha yeah cheeky, I guess that means we spend more time WORKING than posting right?
What a concept!! ;)

Hinc · 01-07-2005, 08:22 AM

Hmmm ah well, only for north americans anyway... sigh...

HMS · 01-07-2005, 10:43 AM

Vicki -

Who are you placng your accounts through? I know there are less and less banks willing to underwrite these accounts. At times I am able to bring on accounts directly as well (Humboldt Merchant Services) but yet another VISA Regulation has me dead in the water at the moment.

Visa only allows 10% of a banks processing portfolio to be in adult transactions and we are currently in excess of our maximum allowable volume and getting fined by Visa. As out non adult portfolio grows I will again be able to bring on more adult. If you have somewhere to place accounts now I may jave a few to refer to you. Email me details and let me kow.

And guys.... 4.00% is not out of the questions. 2004 HMS was at 4.00% (2.40% + 1.60% NON QUALIFIED SURCHARGE BY VISA). Only difference is HMS will require you to pay the Visa/MasterCard fees.

In march or april HMS should again be able to bring on more adult volume, but our rate is set at 4.60% in 2005. Anyone interested in getting on my waiting list for your own account, let me know.

Steve Kimberling, AVP
Humboldt Merchant Servics
877-635-3339
[email protected]

JSA Matt · 01-07-2005, 11:10 AM

Quote:

Originally Posted by vicki

And shame on you JSA, a simple sense of humor that is fitting of the board(s) i'm posting on lol ;)

I assumed it was said jokingly, hence the 'LOL'

You should still be more careful, not everyone knows you so coming on here looking for new customers and saying 'screw visa' could be easily taken the wrong way.

Screaming · 01-07-2005, 11:14 AM

well the thread title had me thrown when i read inside heh

vicki · 01-07-2005, 03:04 PM

Hi Steve
You should be receiving an email from me anytime .. sorry it took me so long to respond but as you can imagine its been a crazzzyy, busy day!! Announcing a deal like this comes with loooong hours lol

JSA
You are absolutely correct, I sometimes forget some of the folks here don't know me. lol

For those of you that don't know me .. here's a disclaimer and an introduction all wrapped in one.
I'm an old fart female with roots in adult and wings in mainstream & processing
I have a wicked sense of humor unless what you say isn't at all funny *nudge nudge*
but I'm all business when it comes to .. well you guessed it, business! :D

so tell me a joke and lets do BIZ!!

vicki · 01-07-2005, 05:46 PM

for those emailing, signing up and icqing .. i'll get to you asap i PROMISE :D

bigdog · 01-07-2005, 05:52 PM

do you allow merchants to cross sell to their own sites?

vicki · 01-08-2005, 11:53 AM

bigdog

Sure, you can cross sell to yourself if you like as long as everything you sell is within the approved category of what you got the merchant account in.

A merchant account is different from 3rd party processing.
You have a direct contract with the merchant bank, we do not get involved .. we only help you obtain the merc acct then we act as your processing gateway. We don't police you at all .. however .. if your chargebacks get high the merchant bank can close your account, so its up to you to work at keeping them down.

I hope that made sense, let me know if you have anymore questions

01-06-2005, 03:06 PM	#1
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	Screw Visa!! :D well we know most of the big guys are partying way too hard out in Vegas so we decided to do something to help the little guys celebrate too!! for US and CA paysite owners - packaged processing with Merchant account and gateway No hidden or extra fees We'll waive visa fee's No setup fees through march CHECK MY TAGLINE !! kisses and free drinks welcome :D __________________ If at first you do succeed - try to hide your astonishment. HR merchant accounts from 3.45% solid biz since 98 victoriakozub AT gmail.com skype: victoria.kozub \| ICQ: 74296746

01-06-2005, 03:10 PM	#2
Lace Too lazy to set a custom title Industry Role: Join Date: Mar 2004 Posts: 16,116	hmmm....... __________________ Your Paysite Partner Strength In Numbers! StickyDollars \| RadicalCash \| KennysPennies \| HomegrownCash

01-06-2005, 03:11 PM	#3
StuartD Sofa King Band Join Date: Jul 2002 Location: Outside the box Posts: 29,903	Yeah, I remember when Glo-bill and WSB and ProBilling and PSW Billing and AC Pay and DutchBilling and GloboSale and Ginix all said that they their clients didn't have to pay the Visa fees too. __________________ This is me on facebook This is me on twitter

01-06-2005, 03:30 PM	#6
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	these are merchant accounts, not 3rd party processing there isn't any law that says we can't handle that portion is there?? hehehe Near San Antonio - remember the Alamo!! lol __________________ If at first you do succeed - try to hide your astonishment. HR merchant accounts from 3.45% solid biz since 98 victoriakozub AT gmail.com skype: victoria.kozub \| ICQ: 74296746

01-06-2005, 03:52 PM	#7
The Other Steve Confirmed User Join Date: Dec 2001 Location: Sunny Queensland - perfect one day and better the next. Posts: 2,106	Don't let the low post count fool anyone. Vicki has been around this industry a LONG time and has a good reputation. That doesn't mean that I'm endorsing this product in any way. __________________ Left intentionally blank ... just like my brain

01-06-2005, 03:14 PM	#4
hydro Confirmed User Join Date: Dec 2003 Location: Dirty 3rd Posts: 4,216	good rates, where in tx are you located?

01-06-2005, 03:16 PM	#5
Funky Bastard So Fucking Banned Join Date: Nov 2004 Location: San Antonio, Texas Posts: 2,544	yeah where at in texas?

01-06-2005, 04:01 PM	#8
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	hey TOS, long time no talk ummm you aren't calling me OLD are you?! looking around for my bullwhip roflmao yeah he's right .. i been around here since 97 and one of these days I SWEAR i'll hit 500 posts!!! {sidenote} thank goodness he's talking about my business reputation! lol hugs and tell your wife hello by the way, for any interested heres a URL with more info: http://www.ecscommerce.com/adult.html __________________ If at first you do succeed - try to hide your astonishment. HR merchant accounts from 3.45% solid biz since 98 victoriakozub AT gmail.com skype: victoria.kozub \| ICQ: 74296746

01-06-2005, 06:01 PM	#9
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	bummmmp! __________________ If at first you do succeed - try to hide your astonishment. HR merchant accounts from 3.45% solid biz since 98 victoriakozub AT gmail.com skype: victoria.kozub \| ICQ: 74296746

01-06-2005, 06:05 PM	#10
aceman Registered User Join Date: Nov 2004 Posts: 96	4% processing for adult for the "little guy" only happens when you mis-code a merchant account, and then when visa + mc finds out, welcome to the blacklist.

01-06-2005, 06:07 PM	#11
JSA Matt So Fucking Banned Join Date: Aug 2003 Location: San Diego, CA Posts: 5,464	yeah, I want to trust a merchant account with someone saying 'screw visa!', LOL

01-06-2005, 06:08 PM	#12
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	aceman wrong, this is fully and 100% v/mc compliant and you get those rates when you have a solid reputation with the higher echelon of banking institutes ;) sorry to burst bubbles lol __________________ If at first you do succeed - try to hide your astonishment. HR merchant accounts from 3.45% solid biz since 98 victoriakozub AT gmail.com skype: victoria.kozub \| ICQ: 74296746

01-06-2005, 06:31 PM	#16
Funky Bastard So Fucking Banned Join Date: Nov 2004 Location: San Antonio, Texas Posts: 2,544	Sounds good I am in san antonio to mabe we could do lunch and talk about it? ICQ in sig let me know!

01-06-2005, 06:35 PM	#17
tony286 lurker Industry Role: Join Date: Aug 2002 Location: atlanta Posts: 57,021	looks too good to be true

01-06-2005, 08:03 PM	#19
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	I think what you are confusing is third party processing and merchant account processing. Although in the end the principal is the same (getting to accept cc & checks online) they have marked differences in character. A third party processor such as ccbill, epoch etc MUST charge higher rates because in essence they are covering your hides under their merchant accounts amongst other things. Its a high risk for them and it's evident in their rates. With a merchant account, the vendor applies to a merchant bank for an account (we are only the delivery vehicle). In this case they are called MOTO's (mail order, telephone order - that includes internet) and because the vendor signs an agreement directly with the banking institute they in essence cut out the middleman. The vendor has much more control over his own funds and saves money by cutting out the middleman. The funds are also deposited directly into the vendors bank account. The rates offered by the banking institute have nothing to do with us as a gateway except for the fact that we've established a solid relationship with them to help acquire vendors. The better our standing with banking institutes, the more banks wanting to do business with us. Basically .. the more vendors the bank has, the more money they make. And they like working with companies that have solid financial and business reputations when trying to obtain them. There are a couple of other merchant account processors that deal in adult and if familiar with them you would see their rates are comperable to ours .. the difference is that we choose to give a full pricing package and full cost disclosure (for both merchant account AND use of our gateway) up front rather than trying to slide hidden costs in on you like some others do. There are no smoke and mirrors involved. I can't honestly claim we bury our competitors with our prices but I can say we are DAM competitive and do NOT hide any of the cost! The high percentages you are thinking about are most certainly for 3rd party processing, not merchant account processing. Now if I told you our brick and mortar merchant rates it might throw you into a tailspin at how low those are so i'll refrain hehehe And shame on you JSA, a simple sense of humor that is fitting of the board(s) i'm posting on lol ;) HKS sounds kewl, my icq is 74296746 __________________ If at first you do succeed - try to hide your astonishment. HR merchant accounts from 3.45% solid biz since 98 victoriakozub AT gmail.com skype: victoria.kozub \| ICQ: 74296746 Last edited by vicki; 01-06-2005 at 08:06 PM..*

01-06-2005, 09:22 PM	#21
TheMob Confirmed User Join Date: Jan 2003 Location: 2006 Posts: 8,584	wow, the 4% sounds sweet

01-06-2005, 10:42 PM	#23
BVF Black Vagina Finder Join Date: Jan 2002 Location: The Midwest Posts: 13,975	somebody bookmark this thread and bump it in 2006 and state what happened __________________ Black Pussy Click On Mr Cosby..CCbill, 60/40, 136 FHG's....The Cos Loves Black Ghetto Pussy!!

01-07-2005, 02:01 AM	#24
BoyAlley So Fucking Gay Join Date: Nov 2004 Posts: 19,714	Greetings: So what's exactly involved in the approval process if you apply? Do you do a credit check? Ask for certified copies of the company's financials? Pull a D&B report? Ask for a business plan? Want to see bank statements?

01-07-2005, 02:03 AM	#25
foxxx Confirmed User Join Date: Jun 2002 Location: Gold Coast, Australia Posts: 573	i'm suss... but i got burnt by ginix... so you get that...

01-07-2005, 06:21 AM	#27
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	hahaha yeah cheeky, I guess that means we spend more time WORKING than posting right? What a concept!! ;) __________________ If at first you do succeed - try to hide your astonishment. HR merchant accounts from 3.45% solid biz since 98 victoriakozub AT gmail.com skype: victoria.kozub \| ICQ: 74296746

01-07-2005, 08:22 AM	#28
Hinc Confirmed User Join Date: Oct 2004 Posts: 2,577	Hmmm ah well, only for north americans anyway... sigh... __________________ webmaster @ adultlist. com AdultList.com - Directory Listings, Advertisements, Hardlinks Loasex.com - Directory and old school TGP - taking submits A few sales/opportunities: High Quality Guest Posts For Sale Network of Aged sites for sales. Get in touch on the email above for info.

01-07-2005, 10:43 AM	#29
HMS Registered User Join Date: Mar 2004 Posts: 84	Vicki - Who are you placng your accounts through? I know there are less and less banks willing to underwrite these accounts. At times I am able to bring on accounts directly as well (Humboldt Merchant Services) but yet another VISA Regulation has me dead in the water at the moment. Visa only allows 10% of a banks processing portfolio to be in adult transactions and we are currently in excess of our maximum allowable volume and getting fined by Visa. As out non adult portfolio grows I will again be able to bring on more adult. If you have somewhere to place accounts now I may jave a few to refer to you. Email me details and let me kow. And guys.... 4.00% is not out of the questions. 2004 HMS was at 4.00% (2.40% + 1.60% NON QUALIFIED SURCHARGE BY VISA). Only difference is HMS will require you to pay the Visa/MasterCard fees. In march or april HMS should again be able to bring on more adult volume, but our rate is set at 4.60% in 2005. Anyone interested in getting on my waiting list for your own account, let me know. Steve Kimberling, AVP Humboldt Merchant Servics 877-635-3339 [email protected]

01-07-2005, 11:14 AM	#31
Screaming I can change this!!!!! Join Date: Feb 2004 Posts: 18,972	well the thread title had me thrown when i read inside heh __________________

01-07-2005, 03:04 PM	#32
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	Hi Steve You should be receiving an email from me anytime .. sorry it took me so long to respond but as you can imagine its been a crazzzyy, busy day!! Announcing a deal like this comes with loooong hours lol JSA You are absolutely correct, I sometimes forget some of the folks here don't know me. lol For those of you that don't know me .. here's a disclaimer and an introduction all wrapped in one. I'm an old fart female with roots in adult and wings in mainstream & processing I have a wicked sense of humor unless what you say isn't at all funny nudge nudge but I'm all business when it comes to .. well you guessed it, business! :D so tell me a joke and lets do BIZ!! __________________ If at first you do succeed - try to hide your astonishment. HR merchant accounts from 3.45% solid biz since 98 victoriakozub AT gmail.com skype: victoria.kozub \| ICQ: 74296746

01-07-2005, 05:46 PM	#33
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	for those emailing, signing up and icqing .. i'll get to you asap i PROMISE :D __________________ If at first you do succeed - try to hide your astonishment. HR merchant accounts from 3.45% solid biz since 98 victoriakozub AT gmail.com skype: victoria.kozub \| ICQ: 74296746

01-07-2005, 05:52 PM	#34
bigdog Confirmed User Join Date: Jul 2001 Posts: 6,964	do you allow merchants to cross sell to their own sites?

01-08-2005, 11:53 AM	#35
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	bigdog Sure, you can cross sell to yourself if you like as long as everything you sell is within the approved category of what you got the merchant account in. A merchant account is different from 3rd party processing. You have a direct contract with the merchant bank, we do not get involved .. we only help you obtain the merc acct then we act as your processing gateway. We don't police you at all .. however .. if your chargebacks get high the merchant bank can close your account, so its up to you to work at keeping them down. I hope that made sense, let me know if you have anymore questions __________________ If at first you do succeed - try to hide your astonishment. HR merchant accounts from 3.45% solid biz since 98 victoriakozub AT gmail.com skype: victoria.kozub \| ICQ: 74296746