Are there still programs that don't use cascading billing? - Page 2 - GoFuckYourself.com

Scott McD · 02-18-2005, 10:18 AM

Fiddy !!

BV · 02-18-2005, 10:23 AM

Quote:

Originally Posted by Kimmykim

Since scrubbing is a very proprietary thing, somewhat akin to Pepsi and Coke keeping their exact formulas out of each others hands
.

This is unrelated but I find the Coke and Pepsi thing so crazy. They spend so much money on advertizing against each other it's almost insane and when you go out to eat somewhere and order a Coke or Pepsi they will have one or the other, not both. So the waitress says "I'm sorry we don't have BLANK is BLANK ok?

.... and I think most of us say ok.

We use use cascade billing with Paycom and CCBill (our affiliates can choose the primary) but I know there are tons of CCBill only sponsors that don't. I assume all of the ones using CCBills affiliate software do not cascade in any way to credit their afiliates.

However if they are not running an affiliate program it's easy enough to send their CCBill declines to any url, and in this case would be a another signup form using an alternate biller. But like I said it would be hard to pass that credit on to an affiliate so it's not a solution for most.

In order to use cascade billing for affliate traffic you need your own affiliate software and can't use CCBill's or whatever processor it is that you use. That is sort of like a double edge sword in itself as there are some paranoid affiliates that only trust CCBills link tracking software and do not trust the sponsors software whether it be their own custom coded or off the shelf software you can purchase. That's why we still let our affiliates who wish to use CCBills links do so.

Our motto is to try and make every affiliate happy as everyone is different and instead of trying to change their mind we find it easier to make available what they want instead.

Cheers,
BV

vicki · 02-18-2005, 10:42 AM

Actually there are several programs that don't use cascade billing yet as I find out each time I update sponsorspecs.
Do I think they should, yes - if for no other reason than to double check their business model for any chance of higher transaction numbers.

Although I agree with Venus that having a merchant account gives optimum control over your money, there are many that have the merchant accounts that still cascade with a 3rd party processor. There are benefits to covering all bases!

BVF · 02-18-2005, 10:56 AM

Quote:

Originally Posted by SleazyDream

venus darling, you are cute and I would love to have sex with you but reality is, and i'm not saying this to be mean, but reality is - you don't have a clue.

Venus, be glad you're cute or he would have just called you an idiot.

Rui · 02-18-2005, 11:20 AM

Quote:

Originally Posted by HarlotCash Dyker

Their is a basic problem with non usa webmasters using cascading billing - Most solutions use only ccbill, paycom and ibill.
Ibill are all but down and out, Paycom do not accept non usa webmasters - Which leaves us only ccbill - To cascade with whom?
Make little sense paying X amount of dollars for a system which can not be utilized fully.
However, using the tools provided by ccbill allows a denial to pop a page to a secondary processor.
I personally do not do this because sales can not be tracked correctly to ensure the affiliate gets his share.
I fully agree that by not using cascading, programmes like mine lose out both in sales and affiliate sales and are less attractive to gaining new partners - Until paycom (or other) accepts EU webmasters, we are disadvantaged.

Exactly until (and hopefuly) the billing market changes its a bit useless to people incorporated in Europe to have cascade billing (talking about adult processing, since mainstream is a different animal)

Kimmykim · 02-18-2005, 11:49 AM

Cascading software doesn't just cover the billing solutions -- and billing solutions aren't just from one third party to another either -- merchant accounts fit into cascading as well.

And the affilate tracking and analysis -- that's one that hasnt really been touched on, but if these software programs allow you to track and tailor your affiliate program in order to make the most money you can as a program owner -- because you can see which affiliates really are the most profitable and work to extend their profitability -- that alone would seem to be another really important reason for such a thing.

Rui · 02-18-2005, 11:53 AM

Kimmykim - most of the small programs don't process enoug volume that allows them to get a merchant account

Kimmykim · 02-18-2005, 12:14 PM

Quote:

Originally Posted by Rui

Kimmykim - most of the small programs don't process enoug volume that allows them to get a merchant account

This is true, but you can still cascade with checks and other alternative forms of billing as well --

Jake · 02-18-2005, 12:16 PM

Quote:

Originally Posted by venus

I do not use cascading billing, I do not see a reason to. I just had a signup from Russia, If I can accept memberships from countries like that then no need for cascading billing. If someone cannot join my site its because they are broke.

Hmmmmm, have you ever considered what happens when your merchant bank decides they no longer want to process adult transactions or for whatever reason your gateway goes down?

OY · 02-18-2005, 12:20 PM

There are a LOT of programs out there that does not use cascading billing.

There are a few reasons for this -

1. Smaller programs/companies cannot afford a full fledged affiliate program software and stick with the "single processor" solution. They dont see that the investment will pay them back in many ways once integrated.

2. Education - Due to lack of "adult industry education" many program owners dont understand that they are leaving a ton of money on the table when not cascading their processors. When set up correctly I would say they leave 15%-30% right off the bat.

3. Technical knowhow and the fear of trying - Operating a cascading solution does require some technical insight. Many program owners lack this and fear it.

Having many many clients use cascading billing for both third party processors as well as for merchant account holders (yes, we offer professional cascading for merchant account holders - works like a charm! See thread posted by MensNiche earlier: http://gofuckyourself.com/showthread.php?t=396212 ) for more than 3,5 years we see that ALL clients make more money doing it with NO significant increase in CB ratio.

This discussion should really boil down to EDUCATION OF THE MASSES. And that YOU ARE NOT COMPETITIVE IF YOU DO NOT USE A CASCADING BILLING SOLUTION.

02-18-2005, 01:10 PM

Quote:

Originally Posted by venus

I do not believe anyone, today, is doing 2000+ signups a day.
now if your referring to transactions, thats a different story, but not new signups. Some people like to confuse new signups with transactions.
the only ones who know how many NEW signups they do are the site owner(s)

2000 a day at 20$ would be $40,000 a day
for arguments sake add in 1000 rebills a month off each then keep multiplying that for each month they are in business and you have ..shit ..AOL?

my vote for dumbest post of the month.

Kimmykim · 02-18-2005, 01:49 PM

Anything that has the potential to increase sales should be considered an investment, not a wasted expenditure of time or money, imo.

Of course 5 years ago when I was at CCBill I advised our client base on how to structure their join pages to capture the most revenue from the surfers. Programs like the ones we are talking about make it a point and click process to do so now, instead of having to do a lot of programming and testing in house. There are some companies that have great custom software, Lightspeed is one that comes to mind, and the investment that Steve made in it was huge, but if you ask him he will tell you just how worth it the expense was.

OY · 02-18-2005, 02:43 PM

Seems like people dont like the truth and stop posting to threads once the truth is out in the open...

PS. See my post above...
PPS. See Kimmykims post above...

jayeff · 02-18-2005, 03:47 PM

Although there are differences in the algorithms used by the various processors, shouldn't these differences - in terms of the results they produce - reasonably be very small? If they are not small, shouldn't that issue be addressed rather than side-stepped by settling for cascading. Cascading may be better than nothing, but it only catches some of the lost customers, so surely it isn't a good substitute for tighter processing in the first place?

There are also issues of perception/reputation, cost, ease-of-use, but it surprizes me that there isn't a clearer view as to which is the best processor. The bigger sites in particular should be able to test which allows the most sales while trapping the maximum number of frauds. Yet their choice of processor suggests a mix of views, if actual views at all and not just habit.

With more objectivity, inefficient algorithms should cause the processors using them to lose business and their response to that pressure would reasonably be to tighten them up: to everyone's benefit. I suspect that the "safety net" of cascading is going to make people look at their processors even less critically than we appear to now.

02-18-2005, 04:08 PM

Forgot to address it in my previous post...

Flynt Digital pays on all cascaded transactions

Kimmykim · 02-18-2005, 04:12 PM

Actually jayeff, these are very good comments -- and each processor will tell you they are the best, and a certain segment of the clients will tell you that their processor is the best.

But with that said, there's really no way to guarantee that your primary processor is always going to have a lightning fast connection to their bank, that they won't be experiencing a DOS attack, or some other circumstance that can't be helped.

Scrubbing is also different at processors. And each processors list of automatic declines by country or BIN number is unique to the processor, based on their history with that piece of the puzzle.

What do you consider to be a reasonable variant among processors for scrub declines? 5%? 10% I don't see it as any more than that but nonetheless if one is scrubbing for some reason unique to them and the sale can and will go through at a different processor, then why wouldn't you want the income?

Or perhaps someone uses a different processor for checks, such as WTS, which is a very common situation. If the credit card join fails, and they fall back to the check processor through the use of the cc processors failure page, then the affiliate code is lost, and if the surfer signs up using a check after the cc failure, what happens? People come screaming shave, shave, shave... whereas using a cascade system the join would still be credited to the affiliate.

I'll address your last paragraph too, but it won't make you happy at all. The two remaining, legitimate, stable credit card processors have no reason to loosen up their scrubbing. At all. They aren't going to lose business because people complain. There is nowhere else to go. Most of the industry either doesn't understand merchant account management (as we've seen in this thread lol), doesn't want to bother with it (as many of the larger programs will tell you right up front), or can't get a merchant account because of past transgressions that cost them that ability.

Why every site out there doesn't have at least two credit card join options, one checking join option, the ability to accept Eurodebit, Asian credit solutions, phone billing, dialers, and magic beans if you can find a way to cash them in, is totally and completely beyond me.

vicki · 02-18-2005, 05:25 PM

Quote:

Originally Posted by Rui

Kimmykim - most of the small programs don't process enoug volume that allows them to get a merchant account

Not necessarily, we have a bank that loves low volume adult for their mercs

OY · 02-18-2005, 08:34 PM

Quote:

Originally Posted by Kimmykim

Actually jayeff, these are very good comments -- and each processor will tell you they are the best, and a certain segment of the clients will tell you that their processor is the best.

But with that said, there's really no way to guarantee that your primary processor is always going to have a lightning fast connection to their bank, that they won't be experiencing a DOS attack, or some other circumstance that can't be helped.

Scrubbing is also different at processors. And each processors list of automatic declines by country or BIN number is unique to the processor, based on their history with that piece of the puzzle.

What do you consider to be a reasonable variant among processors for scrub declines? 5%? 10% I don't see it as any more than that but nonetheless if one is scrubbing for some reason unique to them and the sale can and will go through at a different processor, then why wouldn't you want the income?

Or perhaps someone uses a different processor for checks, such as WTS, which is a very common situation. If the credit card join fails, and they fall back to the check processor through the use of the cc processors failure page, then the affiliate code is lost, and if the surfer signs up using a check after the cc failure, what happens? People come screaming shave, shave, shave... whereas using a cascade system the join would still be credited to the affiliate.

I'll address your last paragraph too, but it won't make you happy at all. The two remaining, legitimate, stable credit card processors have no reason to loosen up their scrubbing. At all. They aren't going to lose business because people complain. There is nowhere else to go. Most of the industry either doesn't understand merchant account management (as we've seen in this thread lol), doesn't want to bother with it (as many of the larger programs will tell you right up front), or can't get a merchant account because of past transgressions that cost them that ability.

Why every site out there doesn't have at least two credit card join options, one checking join option, the ability to accept Eurodebit, Asian credit solutions, phone billing, dialers, and magic beans if you can find a way to cash them in, is totally and completely beyond me.

KK - I love you. And if you didnt insist on being so darn independent I would hire you in a heartbeat! You are so right on all fronts!

Jayeff - good observation, but I think KK pointed out the other reasons FOR having a cascading solution with the extra bells and whistles that comes along in a full fledged affiliate program software.

I personally think that cascading billing makes everyone BETTER at what they do. From the program owners (my immediate concern) to the processors. And the bonus in this is that both parties makes more money in the process.

MediumPimpin · 02-18-2005, 10:59 PM

Ok so we all heard the rumors true or not this does bring up an issue.

On re-bills for webmasters we ate the cost for webmasters for Ibill, WSB and for the Card Services International mess (Merchant Account), we made sure all MP webmasters were paid even thou we were not. What happens now if, for whatever reason, we lose one of the two remaining processors? Since we are based on a Revshare model, what will happen if we lose one or the other?

Sure we can get members to re-join but how the hell do you track that to a Webmaster sale?

The only way I can see to do this is to have a merchant account again, and bounce the database to new one as banks terminate accounts.

After doing this twice in the last year the "Pay Per Join" model is starting to looking pretty damn good

Also on Cascading with Ibill, CCbill, Epoch and Net Billing with Card Services International, Ibill always had larger sales, We thought the Net Billing system would have higher sales, this was not the case,

MediumPimpin · 02-18-2005, 11:11 PM

I posted this a year ago,

Cascading Billing A Better Way?

--------------------------------------------------------------------------

Good idea, but does not work all that well, now what would work is when the script notices a high rate of declines it bumps that processor down and move another in it's place. Now that would be a real cascading billing system.

Drake · 02-19-2005, 01:07 AM

Is there any purpose to cascading when a site uses its own merchant account or does using a merchant account eliminate any benefits of cascading?

I only ask because I assume that the merchant account scrubbing will be set up custom for the merchant by the merchant to maximize sales, thereby making any cascading essentially irrelevant. Is this true or do most sites using their own merchant account still cascade?

Drake · 02-19-2005, 01:25 AM

Quote:

Originally Posted by vicki

Although I agree with Venus that having a merchant account gives optimum control over your money, there are many that have the merchant accounts that still cascade with a 3rd party processor. There are benefits to covering all bases!

Ok that answers my question. Can you name the benefits of cascading when you have your own merchant account?

beemk · 02-19-2005, 02:22 AM

Quote:

Originally Posted by BV

This is unrelated but I find the Coke and Pepsi thing so crazy. They spend so much money on advertizing against each other it's almost insane and when you go out to eat somewhere and order a Coke or Pepsi they will have one or the other, not both. So the waitress says "I'm sorry we don't have BLANK is BLANK ok?

reread what you just said.

they both spend an abundance on advertising and when you go to eat somewhere they only have those two choices. do you see a connection?

Nathan · 02-19-2005, 05:26 AM

Quote:

Originally Posted by HarlotCash Dyker

Their is a basic problem with non usa webmasters using cascading billing - Most solutions use only ccbill, paycom and ibill.
Ibill are all but down and out, Paycom do not accept non usa webmasters - Which leaves us only ccbill - To cascade with whom?
Make little sense paying X amount of dollars for a system which can not be utilized fully.
However, using the tools provided by ccbill allows a denial to pop a page to a secondary processor.
I personally do not do this because sales can not be tracked correctly to ensure the affiliate gets his share.
I fully agree that by not using cascading, programmes like mine lose out both in sales and affiliate sales and are less attractive to gaining new partners - Until paycom (or other) accepts EU webmasters, we are disadvantaged.

Like Kimmy correctly mentioned a few posts up, there is more to cascading billing software than just cascading. I do not know a single app that does cascading which does not offer more than that on top of it. That is why we do not advertise NATS as a "cascading solution", we advertise it as an general Administration and Tracking system which offers affiliate tracking, cascading, fraud protection, popup management, ad tool management, member management, advanced reports, and more...

There also is a form of cascading the people just do not realize. Everyone seems to think you can only cascade from CCBill to Epoch or the other way around. What about Cascading from CCBill Credit Card to WTS Checks? Or from CCBill Credit Card to Dialers?

There is ALWAYS a way to maximize your profits when doing advanced cascading in such ways.

Cascading over Merchant Accounts always makes sense. You might not see so many sales via secondary or later processors, but you will see some. You could also setup scrubbing high on your merchant account to make sure your chargeback rate there is as low as possible and then have sales go through a 3rd party biller which you are not so sure about yourself and feel the 3rd party biller will be able to better judge if they should let the sale through or not.

Twe Russ · 02-19-2005, 05:28 AM

Not to use one is plain stupid. We had a custom one...

jayeff · 02-19-2005, 07:17 AM

Quote:

Originally Posted by Twe Russ

Not to use one is plain stupid. We had a custom one...

As a broad statement that is way too simplified. I get the impression some people expect all those who a rejected by one processor to be picked up by the second. But as KK wrote, the difference between one processor's algorithm makes the number of potential "saves" in the region of 5%-10%. Of those customers who might get through, not all will choose to try. This is pure guess, but 35%-50% do? Fairly optimistically, your sales might increase as much as 5%.

If you want to keep it very simple, your site has to be big enough for that 5% to cover the cost of the cascading software. But actually that 5% is sales and not profit. You also need to take into account affiliate payout, processing fees, etc and I think you must assume a higher risk for the cards that are blocked by one algorithm. To do otherwise is like saying that algorithm has gone beyond tough to plain wrong.

None of which is enough to make cascading software a bad idea, but I think it means everyone has to do their own sums and make their own decisions. Not just jump aboard because it is the flavor of the month.

There also seems to me to be a missing element in that the algorithms used by the processors not only seem to develop over time, but appear to be switched for short periods. With a static system, you have processor A followed by processor B. This doesn't seem to be a giant leap forward from the days when all the payment options were on one page to which surfers got returned if their chosen payment option failed. But if the selection were dynamic, choosing as the first processor the one which at that moment in time had the most accomodating algorithm, that could make much more difference.

Rui · 02-19-2005, 07:22 AM

Quote:

Originally Posted by vicki

Not necessarily, we have a bank that loves low volume adult for their mercs

And the fees per transaction must be good also ;)

BTW What happens if that bank you use changes their mind?

body · 02-19-2005, 07:29 AM

Nice sig sosan LOOOL

Sexy-Girl · 02-19-2005, 07:42 AM

probably!

vicki · 02-19-2005, 10:09 AM

Quote:

Originally Posted by Mike33

Ok that answers my question. Can you name the benefits of cascading when you have your own merchant account?

Sure

Well as KK mentioned you never know when a gateway might have an upstream problem in connections or a DOS attack. Although it isn't a normal occurance, we all know sh*t happens.

Having all additional payment options is a smart move imho, so if you don't have the merchant account for check processing, etc ... you are loosing potential sales. Afterall business means making money, if you cut yourself short by only offering cc payments, its the business owner that looses in the end.

Although nobody could convince me that having your own merchant account isn't the absolute smartest move paysite owners could make for themselves, I'd never say its the ONLY option they should consider.

vicki · 02-19-2005, 10:27 AM

Quote:

Originally Posted by Rui

And the fees per transaction must be good also ;)

BTW What happens if that bank you use changes their mind?

yes ;)

I'm a firm believer in always having a backup plan for worst case scenarios. Although I think its more likely for the banks to pull out of 3rd party processing, there have been occurances where they also pulled the plug on basic merchant accounts. If it were my business i'd have both options setup to reduce my chances ... hedging the bet if you will.

And again, I'd have check, sms and any other kind of processing available also. I'd feel much better knowing I have other options available to my client base that I could switch to in the off chance I lost one.

aaron_sterlingcash · 02-19-2005, 11:06 AM

We are having Executive Stats installed rock on!! Is brad about by any chance?

Drake · 02-19-2005, 11:21 AM

Quote:

Originally Posted by vicki

Sure

Well as KK mentioned you never know when a gateway might have an upstream problem in connections or a DOS attack. Although it isn't a normal occurance, we all know sh*t happens.

Having all additional payment options is a smart move imho, so if you don't have the merchant account for check processing, etc ... you are loosing potential sales. Afterall business means making money, if you cut yourself short by only offering cc payments, its the business owner that looses in the end.

Although nobody could convince me that having your own merchant account isn't the absolute smartest move paysite owners could make for themselves, I'd never say its the ONLY option they should consider.

Thanks

vicki · 02-19-2005, 12:05 PM

aaron I think brad is in cancun until monday

mike, np

HarlotCash Dyker · 02-19-2005, 12:11 PM

Quote:

Originally Posted by Nathan

Like Kimmy correctly mentioned a few posts up, there is more to cascading billing software than just cascading. I do not know a single app that does cascading which does not offer more than that on top of it. That is why we do not advertise NATS as a "cascading solution", we advertise it as an general Administration and Tracking system which offers affiliate tracking, cascading, fraud protection, popup management, ad tool management, member management, advanced reports, and more...

There also is a form of cascading the people just do not realize. Everyone seems to think you can only cascade from CCBill to Epoch or the other way around. What about Cascading from CCBill Credit Card to WTS Checks? Or from CCBill Credit Card to Dialers?

There is ALWAYS a way to maximize your profits when doing advanced cascading in such ways.

Cascading over Merchant Accounts always makes sense. You might not see so many sales via secondary or later processors, but you will see some. You could also setup scrubbing high on your merchant account to make sure your chargeback rate there is as low as possible and then have sales go through a 3rd party biller which you are not so sure about yourself and feel the 3rd party biller will be able to better judge if they should let the sale through or not.

Having read both yours and KK's response, yes, I can see now that running the soft in this way makes a lot of sense - I shall certainly be looking into this, now.

ULVideo · 02-19-2005, 12:20 PM

Quote:

Originally Posted by Nathan

You could also setup scrubbing high on your merchant account to make sure your chargeback rate there is as low as possible and then have sales go through a 3rd party biller which you are not so sure about yourself and feel the 3rd party biller will be able to better judge if they should let the sale through or not.

While I understand the logic in this, I'm not sure how realistic it is:

Firstly, while it's "safe", it probably isn't "optimal". I can't imagine that the biggest reason for having your own merchant account isn't to set the scrubbing parameters at what you see as optimal as opposed to what the 3rd party processors see as optimal. Using this modality flips that on it's head.

Secondly, I'm not absolutely certain that those who believe that they don't know enough about scrubbung to set the parameters optimally should be having their own merchant accounts, as opposed to using 3rd party processing (I mean, anyone using this solution de facto believes that those 3rd party processors know better than they do what to scrub than they do).

What am I missing?

vicki · 02-19-2005, 12:53 PM

Quote:

Originally Posted by ULVideo

While I understand the logic in this, I'm not sure how realistic it is:

Firstly, while it's "safe", it probably isn't "optimal". I can't imagine that the biggest reason for having your own merchant account isn't to set the scrubbing parameters at what you see as optimal as opposed to what the 3rd party processors see as optimal. Using this modality flips that on it's head.

Secondly, I'm not absolutely certain that those who believe that they don't know enough about scrubbung to set the parameters optimally should be having their own merchant accounts, as opposed to using 3rd party processing (I mean, anyone using this solution de facto believes that those 3rd party processors know better than they do what to scrub than they do).

What am I missing?

Your second statement is somewhat misleading. What many don't understand is that ALL transactions go through a basic scrub by the downstream processing, whether it be vital or anyone else.

Secondly the gateways have their own fraud detection scrubbing... it doesn't matter if its a 3rd party or a merchant account .. its there.
Some gateways allow for client based customization of those settings and others have them set as default - but either way there is always some type involved.

Its a common misconception to believe if you have a merchant account that there is NO scrubbing unless you set it, there is - and always will be.

ULVideo · 02-19-2005, 12:59 PM

Well, if that's the argument, isn't the case for having your own merchant account because you get to set the scrub as espoused in this thread supra vastly exaggerated? Because either you get to set it and get the advantages of doing so, or you don't and can't claim a huge advantage from it, but it can't be both?

Nathan · 02-19-2005, 01:16 PM

Quote:

Originally Posted by ULVideo

While I understand the logic in this, I'm not sure how realistic it is:

Firstly, while it's "safe", it probably isn't "optimal". I can't imagine that the biggest reason for having your own merchant account isn't to set the scrubbing parameters at what you see as optimal as opposed to what the 3rd party processors see as optimal. Using this modality flips that on it's head.

Secondly, I'm not absolutely certain that those who believe that they don't know enough about scrubbung to set the parameters optimally should be having their own merchant accounts, as opposed to using 3rd party processing (I mean, anyone using this solution de facto believes that those 3rd party processors know better than they do what to scrub than they do).

What am I missing?

You are right, my sample might not be the perfect solution, but everyone will have to find his own perfect solution anyway depending on his traffic, type of sites, and other factors playing into it. The question is how secure you feel with pushing your merchant account to the limit without getting it closed to maximize your sale potential.

Like vicki said, not all gateways let you completely control your scrubbing. Some let you do more, some let you do less. Setting low scrubbing is not the only reason you get a merchant account. One main reason is the lower fees you will have with it. Many will also say they have it because they want to be sure they do not lose their ability to process. More scrubbing control is just one of the many reasons...

ULVideo · 02-19-2005, 01:31 PM

I guess the problem i have with some of the advice here is that - to some extent - there seems to be the assumption of "unlimitted resources". While this probably works for th larger programs, I think for the majority (i.e. small programs, paysits, etc.) and certainly the majority who would be looking fo guidance from a thread here, resources are far from infinite. And when I say resources, I'm not just talking about $, I'm talking about time and expertise. For small shops (and especially 1 person shops), even if you can save a certain percentage from using certain things - whether they be custom programs or your own merchant accounts, or a lot of time spent tweaking scrubbing algorithms - there's different trade-offs if these things take away too many resources that you need to do what your main business is. And that's not to say that these solutions are 'wrong' globally, but there's to many "absolutes" offered . instead, it would be more helpfull to get advice on how to judge which options are right, and when to use one vs. another (like a ROT on the revenue point at which someone should pay $X for cascading billing software, or their own merch account, or, or, or).

Nathan · 02-19-2005, 02:21 PM

Quote:

Originally Posted by ULVideo

I guess the problem i have with some of the advice here is that - to some extent - there seems to be the assumption of "unlimitted resources". While this probably works for th larger programs, I think for the majority (i.e. small programs, paysits, etc.) and certainly the majority who would be looking fo guidance from a thread here, resources are far from infinite. And when I say resources, I'm not just talking about $, I'm talking about time and expertise. For small shops (and especially 1 person shops), even if you can save a certain percentage from using certain things - whether they be custom programs or your own merchant accounts, or a lot of time spent tweaking scrubbing algorithms - there's different trade-offs if these things take away too many resources that you need to do what your main business is. And that's not to say that these solutions are 'wrong' globally, but there's to many "absolutes" offered . instead, it would be more helpfull to get advice on how to judge which options are right, and when to use one vs. another (like a ROT on the revenue point at which someone should pay $X for cascading billing software, or their own merch account, or, or, or).

Exactly that is one of the reasons why many people that right now only use something like CCBill should look into cascading. Most cascading software offers many other great features which help you streamline your bussiness in every sense. And not only for BIG programs or medium programs. We have programs which have just started a few months ago and are growing steady with the help of our software at their fingertips.

ULVideo · 02-19-2005, 08:27 PM

See, Nathan, this is exactly what I'm talking about. I'm sure you've got a great product (and I hear great things about it). but rather than give concrete numbers, or even round numbers, all I get is "vote for us! we're the best!". And I'm sure lots of other small guys feel the same. See, what I'm saying is that when small operators hear stuf lik that, most often we can't sit down and mak a long evaluation of every new product, so we just pass over anything which we don't get some upfront idea of exactly what it takes for it to be worthwhile.

I'm sure you guys have actually worked out wher the breakeven points are in usuing your sysem (if you haven't, you're not doing your job in selling the stuff). i realize hat folks are afraid to lose sales because if you give out numbers before making a slaes coptact, you may scare people off. But instead you lose sales because people assume that it's not right for them.

Why not just say something along the lines of "From our research, we find that on average our cascading billing software alone improves sign-ups by 11%. So, for a site with a $35 per month charge, the $2,500 for the software gets paid for in only 5 months for any site doing only 150 joins a month on average." (or whatever the real numbers are)

(note: I do sales training, and one of the most pervasive reasons for not closing sales is worrying so much about losing the sale that you don't take the risks which are needed to actually close the sale. Very frequently, this is from being shy about throwing out numbers to the client for fear the won't like the numbers they hear. some of this comes from not understanding the product/not having enough confidence in the product you are selling).

DirtyDanza · 02-19-2005, 09:22 PM

Quote:

Originally Posted by ULVideo

See, Nathan, this is exactly what I'm talking about. I'm sure you've got a great product (and I hear great things about it). but rather than give concrete numbers, or even round numbers, all I get is "vote for us! we're the best!". And I'm sure lots of other small guys feel the same. See, what I'm saying is that when small operators hear stuf lik that, most often we can't sit down and mak a long evaluation of every new product, so we just pass over anything which we don't get some upfront idea of exactly what it takes for it to be worthwhile.

I'm sure you guys have actually worked out wher the breakeven points are in usuing your sysem (if you haven't, you're not doing your job in selling the stuff). i realize hat folks are afraid to lose sales because if you give out numbers before making a slaes coptact, you may scare people off. But instead you lose sales because people assume that it's not right for them.

Why not just say something along the lines of "From our research, we find that on average our cascading billing software alone improves sign-ups by 11%. So, for a site with a $35 per month charge, the $2,500 for the software gets paid for in only 5 months for any site doing only 150 joins a month on average." (or whatever the real numbers are)

(note: I do sales training, and one of the most pervasive reasons for not closing sales is worrying so much about losing the sale that you don't take the risks which are needed to actually close the sale. Very frequently, this is from being shy about throwing out numbers to the client for fear the won't like the numbers they hear. some of this comes from not understanding the product/not having enough confidence in the product you are selling).

Bro I was with ccbill only and switched over to nats a little over 2 weeks ago and sales have been rocking... I am seeing many sales get declined and aproved by secondary... with nats and I am sure the other one to you can set your cascade on a daily, weekly, or even hourly basis for whats doing better for you... meaning go from ccbill to epoch or visa versa... the scripting is amazing our affiliates now have the means to track traffic... I (you) as the program can track campaigns so I know which bit of my traffic is converting best... lets just say it like this bro... NATS has already paid for itself.. and I the sales I thought I would be doing I am doing more.. fact is I need to boost up to a different "higher payment" with nats on my monthly.. which is good... I don't reccomend it for you or any other affiliate programs owners because then affiliates will push you and not me because there getting sales everywhere

bro nats was the best investment I have made for my affiliate program and it works.. and it works very well... like anyone else said... why put all your eggs in one basket.. and even if you do use the ccbill denial URL then the affiliates are not getting credit for it... I have EPOCH,CCBILL,WTS,CCBILLACH,CCBILL900,NOCREDITCARD ALL IN MY CASCADES SO THE AFFILIATE WILL GET CREDIT AND TAKE IT... NO USE LETTING TRAFFIC GO TO WASTE.. and as a program owner without traffic we sink.. traffic is like our air and water.....

SeniorX · 02-19-2005, 09:28 PM

$x = cost of cascading software
z = ~5% benefit of using cascading software
y = optionally number of months to become profitable

$x <= z% (* y)

so if you make 25k sales a month, it would be profitable after 2 months:

$2500 = 5% * 2 months

SeniorX · 02-19-2005, 09:32 PM

Quote:

Originally Posted by Dirty_DS

why put all your eggs in one basket..

hmm... what happens if NATS or MPA for whatever reason would suddenly disappear one day like so many processors have? what data would their clients lose? what would be the downtime scenario? Which is better, NATS or MPA? is MPA only cascading billing or tracking and extra features also like NATS?

vicki · 02-19-2005, 09:52 PM

Although I can't chime in and help on the price of NATS or Brads cascade programs I can give you one concrete number to ponder.

If you get a US based merchant account through us your processing rates will drop from 11-14% or whatever you are paying ...
down to 4% and that includes the gateway fee.

that 10% in profit hikes could easily cover the cost of a cascading system I would think?? Correct me if I'm wrong Nathan

bigdog · 02-19-2005, 09:58 PM

Quote:

Originally Posted by vicki

Although I can't chime in and help on the price of NATS or Brads cascade programs I can give you one concrete number to ponder.

If you get a US based merchant account through us your processing rates will drop from 11-14% or whatever you are paying ...
down to 4% and that includes the gateway fee.

that 10% in profit hikes could easily cover the cost of a cascading system I would think?? Correct me if I'm wrong Nathan

any large adult companies getting a merchant account through you guys?

vicki · 02-19-2005, 10:18 PM

sure
I think it helps that we've had so many of these clients under the other corp (domain name systems - domain registrar) so yes, and considering we just opened to public processing 3 months ago (have been doing it privately since 98) we've been VERY busy getting them handled. lol

vicki · 02-19-2005, 10:26 PM

I would add that we're doing alot of smaller owners too.
I think its because we have a good solid bank that doesn't require a miminum volume or perfect credit. Plus we're waiving visa fees and setup fees for another month so that helps a bit too lol

and no, I do not work for domainnamesystems, I only work for the ECS portion. I don't know anything at all about domains except that I own wayyyyy to many lol

charlieb · 02-20-2005, 12:37 AM

Quote:

Originally Posted by SeniorX

hmm... what happens if NATS or MPA for whatever reason would suddenly disappear one day like so many processors have? what data would their clients lose? what would be the downtime scenario? Which is better, NATS or MPA? is MPA only cascading billing or tracking and extra features also like NATS?

http://www.gofuckyourself.com/showpo...73&postcount=1

02-18-2005, 10:18 AM	#51
Scott McD Too lazy to set a custom title Join Date: Nov 2002 Location: Glasgow, Scotland Posts: 67,795	Fiddy !! __________________ I Buy My High Quality Traffic Here, You Should Too!

02-18-2005, 10:42 AM	#53
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	Actually there are several programs that don't use cascade billing yet as I find out each time I update sponsorspecs. Do I think they should, yes - if for no other reason than to double check their business model for any chance of higher transaction numbers. Although I agree with Venus that having a merchant account gives optimum control over your money, there are many that have the merchant accounts that still cascade with a 3rd party processor. There are benefits to covering all bases! __________________ 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

02-18-2005, 12:20 PM	#60
OY Industry Pioneer Industry Role: Join Date: Oct 2002 Location: USA/EU/ASIA Posts: 5,401	There are a LOT of programs out there that does not use cascading billing. There are a few reasons for this - 1. Smaller programs/companies cannot afford a full fledged affiliate program software and stick with the "single processor" solution. They dont see that the investment will pay them back in many ways once integrated. 2. Education - Due to lack of "adult industry education" many program owners dont understand that they are leaving a ton of money on the table when not cascading their processors. When set up correctly I would say they leave 15%-30% right off the bat. 3. Technical knowhow and the fear of trying - Operating a cascading solution does require some technical insight. Many program owners lack this and fear it. Having many many clients use cascading billing for both third party processors as well as for merchant account holders (yes, we offer professional cascading for merchant account holders - works like a charm! See thread posted by MensNiche earlier: http://gofuckyourself.com/showthread.php?t=396212 ) for more than 3,5 years we see that ALL clients make more money doing it with NO significant increase in CB ratio. This discussion should really boil down to EDUCATION OF THE MASSES. And that YOU ARE NOT COMPETITIVE IF YOU DO NOT USE A CASCADING BILLING SOLUTION. __________________ Around since 1997, and the company that introduced "Cascading Billing" in MPA3® Affiliate Management and Tracking Software Outsourcing With A Norwegian Twist - NordBits - Inquire within!

02-18-2005, 02:43 PM	#63
OY Industry Pioneer Industry Role: Join Date: Oct 2002 Location: USA/EU/ASIA Posts: 5,401	Seems like people dont like the truth and stop posting to threads once the truth is out in the open... PS. See my post above... PPS. See Kimmykims post above... __________________ Around since 1997, and the company that introduced "Cascading Billing" in MPA3® Affiliate Management and Tracking Software Outsourcing With A Norwegian Twist - NordBits - Inquire within!

02-18-2005, 10:59 PM	#69
MediumPimpin Confirmed User Join Date: Apr 2003 Posts: 1,488	Ok so we all heard the rumors true or not this does bring up an issue. On re-bills for webmasters we ate the cost for webmasters for Ibill, WSB and for the Card Services International mess (Merchant Account), we made sure all MP webmasters were paid even thou we were not. What happens now if, for whatever reason, we lose one of the two remaining processors? Since we are based on a Revshare model, what will happen if we lose one or the other? Sure we can get members to re-join but how the hell do you track that to a Webmaster sale? The only way I can see to do this is to have a merchant account again, and bounce the database to new one as banks terminate accounts. After doing this twice in the last year the "Pay Per Join" model is starting to looking pretty damn good Also on Cascading with Ibill, CCbill, Epoch and Net Billing with Card Services International, Ibill always had larger sales, We thought the Net Billing system would have higher sales, this was not the case, __________________ nats.mediumpimpin.com

02-18-2005, 11:49 AM	#56
Kimmykim bitchslapping zebras!!!!! Industry Role: Join Date: Jun 2001 Location: In a shack by the beach Posts: 16,015	Cascading software doesn't just cover the billing solutions -- and billing solutions aren't just from one third party to another either -- merchant accounts fit into cascading as well. And the affilate tracking and analysis -- that's one that hasnt really been touched on, but if these software programs allow you to track and tailor your affiliate program in order to make the most money you can as a program owner -- because you can see which affiliates really are the most profitable and work to extend their profitability -- that alone would seem to be another really important reason for such a thing.

02-18-2005, 11:53 AM	#57
Rui web Join Date: Dec 2001 Location: On icq: 85-483-060 Posts: 9,533	Kimmykim - most of the small programs don't process enoug volume that allows them to get a merchant account

02-18-2005, 01:49 PM	#62
Kimmykim bitchslapping zebras!!!!! Industry Role: Join Date: Jun 2001 Location: In a shack by the beach Posts: 16,015	Anything that has the potential to increase sales should be considered an investment, not a wasted expenditure of time or money, imo. Of course 5 years ago when I was at CCBill I advised our client base on how to structure their join pages to capture the most revenue from the surfers. Programs like the ones we are talking about make it a point and click process to do so now, instead of having to do a lot of programming and testing in house. There are some companies that have great custom software, Lightspeed is one that comes to mind, and the investment that Steve made in it was huge, but if you ask him he will tell you just how worth it the expense was.

02-18-2005, 03:47 PM	#64
jayeff Confirmed User Join Date: May 2001 Posts: 2,944	Although there are differences in the algorithms used by the various processors, shouldn't these differences - in terms of the results they produce - reasonably be very small? If they are not small, shouldn't that issue be addressed rather than side-stepped by settling for cascading. Cascading may be better than nothing, but it only catches some of the lost customers, so surely it isn't a good substitute for tighter processing in the first place? There are also issues of perception/reputation, cost, ease-of-use, but it surprizes me that there isn't a clearer view as to which is the best processor. The bigger sites in particular should be able to test which allows the most sales while trapping the maximum number of frauds. Yet their choice of processor suggests a mix of views, if actual views at all and not just habit. With more objectivity, inefficient algorithms should cause the processors using them to lose business and their response to that pressure would reasonably be to tighten them up: to everyone's benefit. I suspect that the "safety net" of cascading is going to make people look at their processors even less critically than we appear to now.

02-18-2005, 04:08 PM	#65
esnem Guest Posts: n/a	Forgot to address it in my previous post... Flynt Digital pays on all cascaded transactions

02-18-2005, 04:12 PM	#66
Kimmykim bitchslapping zebras!!!!! Industry Role: Join Date: Jun 2001 Location: In a shack by the beach Posts: 16,015	Actually jayeff, these are very good comments -- and each processor will tell you they are the best, and a certain segment of the clients will tell you that their processor is the best. But with that said, there's really no way to guarantee that your primary processor is always going to have a lightning fast connection to their bank, that they won't be experiencing a DOS attack, or some other circumstance that can't be helped. Scrubbing is also different at processors. And each processors list of automatic declines by country or BIN number is unique to the processor, based on their history with that piece of the puzzle. What do you consider to be a reasonable variant among processors for scrub declines? 5%? 10% I don't see it as any more than that but nonetheless if one is scrubbing for some reason unique to them and the sale can and will go through at a different processor, then why wouldn't you want the income? Or perhaps someone uses a different processor for checks, such as WTS, which is a very common situation. If the credit card join fails, and they fall back to the check processor through the use of the cc processors failure page, then the affiliate code is lost, and if the surfer signs up using a check after the cc failure, what happens? People come screaming shave, shave, shave... whereas using a cascade system the join would still be credited to the affiliate. I'll address your last paragraph too, but it won't make you happy at all. The two remaining, legitimate, stable credit card processors have no reason to loosen up their scrubbing. At all. They aren't going to lose business because people complain. There is nowhere else to go. Most of the industry either doesn't understand merchant account management (as we've seen in this thread lol), doesn't want to bother with it (as many of the larger programs will tell you right up front), or can't get a merchant account because of past transgressions that cost them that ability. Why every site out there doesn't have at least two credit card join options, one checking join option, the ability to accept Eurodebit, Asian credit solutions, phone billing, dialers, and magic beans if you can find a way to cash them in, is totally and completely beyond me.

02-18-2005, 11:11 PM	#70
MediumPimpin Confirmed User Join Date: Apr 2003 Posts: 1,488	I posted this a year ago, Cascading Billing A Better Way? -------------------------------------------------------------------------- Good idea, but does not work all that well, now what would work is when the script notices a high rate of declines it bumps that processor down and move another in it's place. Now that would be a real cascading billing system. __________________ nats.mediumpimpin.com

02-19-2005, 01:07 AM	#71
Drake Hello world! Industry Role: Join Date: Mar 2003 Posts: 12,508	Is there any purpose to cascading when a site uses its own merchant account or does using a merchant account eliminate any benefits of cascading? I only ask because I assume that the merchant account scrubbing will be set up custom for the merchant by the merchant to maximize sales, thereby making any cascading essentially irrelevant. Is this true or do most sites using their own merchant account still cascade?

02-19-2005, 05:28 AM	#75
Twe Russ Confirmed User Join Date: Jan 2003 Location: NYC Posts: 3,493	Not to use one is plain stupid. We had a custom one... __________________ Contact information - ICQ: 7.9.0.3.0.0 · AIM: no roach · E-Mail: roachito \|\| @ \|\| gmail \|\| . \|\| com [Friend Finder - Geo Targeting & Incredible Site Ratio] - [Credit Card Traffic - Make $65 Per Join]

02-19-2005, 07:29 AM	#78
body Confirmed User Industry Role: Join Date: Oct 2002 Posts: 5,012	Nice sig sosan LOOOL __________________ The Goddess Of Steps

02-19-2005, 07:42 AM	#79
Sexy-Girl Registered User Join Date: Feb 2005 Location: panama city Posts: 78	probably! __________________ Adult Dating Community The Ultimate XXX Dating Affiliate Program is FINALLY Here!!!

02-19-2005, 11:06 AM	#82
aaron_sterlingcash Registered User Join Date: Jan 2005 Posts: 38	We are having Executive Stats installed rock on!! Is brad about by any chance? __________________ ICQ - 293-403-598 MSN - [email protected]

02-19-2005, 12:05 PM	#84
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	aaron I think brad is in cancun until monday mike, np __________________ 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

02-19-2005, 12:59 PM	#88
ULVideo Confirmed User Join Date: Oct 2004 Location: New York Posts: 405	Well, if that's the argument, isn't the case for having your own merchant account because you get to set the scrub as espoused in this thread supra vastly exaggerated? Because either you get to set it and get the advantages of doing so, or you don't and can't claim a huge advantage from it, but it can't be both?

02-19-2005, 01:31 PM	#90
ULVideo Confirmed User Join Date: Oct 2004 Location: New York Posts: 405	I guess the problem i have with some of the advice here is that - to some extent - there seems to be the assumption of "unlimitted resources". While this probably works for th larger programs, I think for the majority (i.e. small programs, paysits, etc.) and certainly the majority who would be looking fo guidance from a thread here, resources are far from infinite. And when I say resources, I'm not just talking about $, I'm talking about time and expertise. For small shops (and especially 1 person shops), even if you can save a certain percentage from using certain things - whether they be custom programs or your own merchant accounts, or a lot of time spent tweaking scrubbing algorithms - there's different trade-offs if these things take away too many resources that you need to do what your main business is. And that's not to say that these solutions are 'wrong' globally, but there's to many "absolutes" offered . instead, it would be more helpfull to get advice on how to judge which options are right, and when to use one vs. another (like a ROT on the revenue point at which someone should pay $X for cascading billing software, or their own merch account, or, or, or).

02-19-2005, 08:27 PM	#92
ULVideo Confirmed User Join Date: Oct 2004 Location: New York Posts: 405	See, Nathan, this is exactly what I'm talking about. I'm sure you've got a great product (and I hear great things about it). but rather than give concrete numbers, or even round numbers, all I get is "vote for us! we're the best!". And I'm sure lots of other small guys feel the same. See, what I'm saying is that when small operators hear stuf lik that, most often we can't sit down and mak a long evaluation of every new product, so we just pass over anything which we don't get some upfront idea of exactly what it takes for it to be worthwhile. I'm sure you guys have actually worked out wher the breakeven points are in usuing your sysem (if you haven't, you're not doing your job in selling the stuff). i realize hat folks are afraid to lose sales because if you give out numbers before making a slaes coptact, you may scare people off. But instead you lose sales because people assume that it's not right for them. Why not just say something along the lines of "From our research, we find that on average our cascading billing software alone improves sign-ups by 11%. So, for a site with a $35 per month charge, the $2,500 for the software gets paid for in only 5 months for any site doing only 150 joins a month on average." (or whatever the real numbers are) (note: I do sales training, and one of the most pervasive reasons for not closing sales is worrying so much about losing the sale that you don't take the risks which are needed to actually close the sale. Very frequently, this is from being shy about throwing out numbers to the client for fear the won't like the numbers they hear. some of this comes from not understanding the product/not having enough confidence in the product you are selling).

02-19-2005, 09:28 PM	#94
SeniorX Confirmed User Join Date: Jan 2005 Posts: 302	$x = cost of cascading software z = ~5% benefit of using cascading software y = optionally number of months to become profitable $x <= z% (* y) so if you make 25k sales a month, it would be profitable after 2 months: $2500 = 5% * 2 months

02-19-2005, 09:52 PM	#96
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	Although I can't chime in and help on the price of NATS or Brads cascade programs I can give you one concrete number to ponder. If you get a US based merchant account through us your processing rates will drop from 11-14% or whatever you are paying ... down to 4% and that includes the gateway fee. that 10% in profit hikes could easily cover the cost of a cascading system I would think?? Correct me if I'm wrong Nathan __________________ 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

02-19-2005, 10:18 PM	#98
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	sure I think it helps that we've had so many of these clients under the other corp (domain name systems - domain registrar) so yes, and considering we just opened to public processing 3 months ago (have been doing it privately since 98) we've been VERY busy getting them handled. 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

02-19-2005, 10:26 PM	#99
vicki Confirmed User Industry Role: Join Date: Feb 2002 Location: Deep in the heart o' Texas Posts: 1,478	I would add that we're doing alot of smaller owners too. I think its because we have a good solid bank that doesn't require a miminum volume or perfect credit. Plus we're waiving visa fees and setup fees for another month so that helps a bit too lol and no, I do not work for domainnamesystems, I only work for the ECS portion. I don't know anything at all about domains except that I own wayyyyy to many 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