spacedog

I am designing a non-adult site for a paying client..

The site is for a livery service that transports clients to & from the airport..
This company serves several cities & the rates per city vary..
I need a billing company for ONE TIME charges..(NO RECURRING!) This billing company must be able to process the charges based on user selected options of pick-up/drop off location..

Also, I need a billing company that charges per transaction rather than takes a percentage..(Unless the % is low..)
Examples of pricing are..
Logan Airport to Peabody Mass is $35.00
However, because of the transaction fees charged by billing company, this needs to be added to the customers charge?
I need the transaction fee billed to the customer?

Also, need a mailed check rather than direct deposit.

Also..because I am the one to monitor & maintain the site..I need all orders emailed to me immediately..

Also, Here is the payment scenario..
$35.00 charge for transportation
$30.00 goes to transportation company..
$5.00 goes to me..(My commision for site maintenance)

I need a billing company that'll separate this & mail separate checks..

Basically..I need a billing company with transaction fees that will not dramatically increase my clients price's

ie; $35.00 fare + $5.00 billing company fee = $40.00 total charge to customer.

Also..I need a billing company that'll disallow chargebacks..Because this is for a service company..
They don't want customers doing chargebacks after they get their ride..
Also, their pick ups are at the airport..sometimes customers don't show up..The company still needs to get paid for this..NO CHARGEBACKS..
The client will only allow chargebacks if there is 24 hours notice of cancellation prior to the pick up time..(In other words..NO CHARGEBACKS WITHOUT NOTIFICATION BY COMPANY!!)
In regards to the chargeback..
The fee carged to customer shall not EVER be applied to client shall there be a chargeback..AND the $5.00 fee to me per transaction shall NEVER be chargedback..

Where/WHO..is such a billing company..
Also need to accept online checks..

Any input helpful..thanks

spacedog

Bump..
It's important..

Phil21

Er.. good luck.

Probably best bet is getting your own merchant account and useing some AVS gateway to do your own charges. The only thing there is I don't know if you'll find a place what will send out checks as opposed to wire-xfers, and the split thing probably even less likely.

It is impossible to get a processor w/ "NO CHARGEBACKS", why do you think they are called chargebacks? It's not like the companies ALLOW a chargeback, it HAPPENS. The visa (or whatever) cardholders agreement allows them to chargeback, and most of the time it's not contested from the merchant, at least when using third-party processors.

Good luck though,

-Phil

Armed & Hammered

Your client needs to get a merchant account. That's the only way to do it for that type of business. That would allow them to do POS and phone in transactions too. There isn't any way to avoid chargebacks really so you should probably forget that idea right now. Search Google for "Merchant Services". You will find more possibilities than you know what to do with.

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corvette

They are both right ny friend, you cant have it all. Your best bet is to have the company get its own merchant account. Without a signature or an address something was shipped to, chargebacks are really hard to prevent.

spankstrocko

Is a signature enough to prevent a charge back though?

Why don't adult companies use electronic sigs then?

Could that work?

Sounds interesting

Spankstrocko

corvette

Most chargebacks come through the processor with a response of "cardholder not present", that means that at the time of the credit card charge, the cardholder did not have possession of the card...if he did not have the card, then he could not have made the charge

Because all the processor has is information such as name, address, IP, ect, there is no concrete proof that the person responsible for the charge actually did it. Unless proof such as a signature, pin code (Debit cards) can show that the cardholder was there (which cannot be done), then the bank will accept the chargeback.

With the new CVV2 on all cards, those chargebacks will be easier to fight. CVV2 numbers are extra codes on the card and cannot be stored anywhere; they are being phased in right now(right now they are being used as a supplement for fraud protection, if the code is correct, then it the charge gets assigned a better fraud score). Credit card numbers/expiration dates can be held, traded, etc. With CVV2, you need to know the correct code on the card to make the transaction. You pass the code on in the signup form, the processor gets a response from the issuing bank that tells them whether the code was correct or not, and that?s it. The CVV2 code is not stored anywhere, just used for the initial authorization. Rebills are all done with the card # and expiration date. That prevents those codes to be associated with the corresponding card. If somebody manages to steal or break into a credit card database, then they will not know the CVV2 codes for the cards?

I do not know much about electronic signatures, if they would be hard to steal/duplicate, then they might work. Really, the question isn?t whether we think it would work or not to prevent fraud, it is whether the banks would accept them as the proof they need