woj

50.....,..

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StuartD

props to you though Rand, seriously. You've been a real trooper through this thread, while taking a beating, you've been handling the barrage very professionaly and the best you can.

On top of everything else, at least no one can knock you for that.

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Meta Ridley

Yes I agree.

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xxxice

Epass cost me over $100 last month when I was told that they would be able to stop an accidental click in members area. They told me it would be worked out. Then I called again and treated me like an asshole like it was my fault the the phone person told me the wrong thing. It is by far the worst I have ever been treated the supervisor even gave me a tone of as if I was in the wrong. I can not believe companies exist when treating customers so shitty thanks

Giorgio_Xo

As of a few months ago I could transfer $900 in three separate transactions on the same day to my checking account. That feature was lost at some point in April or May.

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graphicsbytia

ok I'll rephrase this.. what's the best you can do on transfer amount and transfer time

Bigfuck

I love Epassporte as I'm in Sweden it makes it fast and easy to get payments

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Rand

There are default paramters for all new accounts. You can double those parameters by upgrading to a "Select" account. If you qualify, you will see the option offered when you log-in to ePassporte.

If you want to request a higher amount, you can write directly to [email protected] from your eP email address. eP will look at your particualr account and let you know what you need to do to increase your parameters.

If you are talking about very large sums of money, then it is possible to request a wire transfer. But, it makes more sense to *spend* the money with your Virtual account or Electron account if it's possible. That being said, if you need to move cash, you can.

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jayeff

Rand's explanation about pre-authorizations was exactly correct in terms of how it works and I have had it backfire on me with "regular" credit/debit.

However, MR talked about his pre-authorization being locked up for 30 days and others have mentioned a week. Yet my own bank work on only 3 business days before a pre-authorization auto-expires and once when this situation arose over a large amount which did inconvenience me, it was enough for the retailer in question to cancel the pre-authorization via the same means they used to put it through initially. It was done instantly with minimum inconvenience all round. There was no messing around with faxes or anything like that.

My experience of EP is that they are fine so long as everything runs smoothly, but possibly the most frustrating people I ever deal with when there is a hiccup. Although I have seen Rand repeatedly write about improving their customer service, it still seems as if so many issues arise because the front-line people you email or talk to on the 'phone have no clue about anything, and it is next to impossible - through normal channels - to contact anyone else. It is surely wrong that to sort out even fairly routine questions without too much pain, you have to rely upon Rand or KK getting involved.

Herb Kornfield

14 days ago I opened a epass account... entered my info and added accounts.

No verification amounts appeared... called into customer service and told wait 2-3 days and the depoist WAS made into my bank. Called my bank... No deposits made from epass. I was told it was cause of 4th of july and a backlog of work there.

Rep told me that she'd fax account verification forms to my fax# - Never got them here and when I called in no one had a clue as to what I was talking about.

3 days later called Epass again and got the same story... still no cash in there 3-4 days later.... Told again that money was in my account, talk to my bank... called the bank, still no cash from Epass. -- The reps werent able to send me anything to verify my acconuts now......

Again called epass, now I have to add a new checking account since they dont let me use a savings to have my cash transferred into. This was done, now I have 2-4 more days to wait and get a verification amount to my accounts to start using.

I can understand that there is a process here to how things have to work... My biggest gripe is how the reps tell me one thing, then I come to find thats not correct and again back with more reps that tell me another set of instructions and no results.

From using other online payment services I have to say that Epass's reps really have a long way to go when it comes to knowing how to resolve customer issues and explain things other than just telling information that isnt accurate. I have a few hundred bucks that has been held up now for 14 days over reps giving me bad info.

I'll never bother to use their cards / serivces for anything more than just when its the only choice for certain customers I have. Epass really needs to get their shit tightened up on a few fronts.

xxxice

Wow Ok I am on my way to golf will check back later

Rand

I would have took specifically at your account to know more.

Having a verfied load card and ACH account tied to your eP is a good start.

I know that Risk Management has parameters they use to help keep problems (and risk) to a minimum. For example, most US banks will "hold" deposits over a certain amount until they feel like the transfer has cleared so it ends up taking much longer than it should to get your money. I don't know what those amounts are, but it's a valid argument for sending two smaller transfers as opposed to one larger one.

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xxxice

let me just say before i go same thing happened to me call my bank this and that it is just not very fun at all

not the first time i have had issues

https://gfy.com/fucking-around-and-business-discussion/490901-epassporte.html

beta-tester

never had any problem with them.... I've bought few things online with my Virtual VISA and everything was greaT!

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Calvinguy

A bit off topic but I tried to withdraw funds using my electron card. The ATM could not process the order (I didn't get any money from it) but the amount I requested is still in my overview as pending (since June 30).

I thought that all pending charges that are not claimed within 30 days would be released again... am I wrong here or should I be nervous about never see the money again?

Rand

I hope this ATM was at a bank/location that you trust. I've never heard of an ATM auth'ing funds and not delivering them.

You are right, however, that auth's not setteled will drop off automatically after 30 days or sooner if the issue can be resolved.

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Calvinguy

It was in Prague and the bank was CSOB, a pretty big one there.
Unfortunately I don't live there so it will be a mess if the charge is not dropped automaticly.

Rui

While it sure has its problems ePass came a long way, some of you guys don't even deserve an answer from Rand if you consider how you approach him...

As for ePass is one of the best services i've ever used so far, and i'm pretty sure that people in Europe will also agree with me that this is an outstanding method to withdraw your earnings.

WarChild

Stuartd, too stupid to realize how every major credit card in the world works. What are the odds of that happening?

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digifan

So true... I have never had any problem with my ePassporte btw. And people in Australia will also agree with you

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azguy

ePassporte sucks and will eventually end up like another fucked up company - PayPal.

xxxice

Sure but they should still answer

Nad

I think you need to save all the money you can for poker tuesday night! :-)

and hand it over to me!!!!!!

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Meta Ridley

Keep dreaming. Im taking both games

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StuartD

Stuartd, explaining how the authorization works in the 12th post.

What are the odds of warchild being too stupid to read?

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TheJimmy

The only problem I've had is one of my registrars won't accept the virtual visa # & account info in their automated renewal system

I've had the rare few places that the 'card' got declined for no real reason (used the cvv2 number fine, etc)...no biggie, overall it's a great product imo

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Tom_PM

I'm curious if I start a basic Personal epass account, and receive sponsor payments to it... Can I then simply transfer the entire amount to my checking account without fees or waiting periods? If fees or waiting, what might they be? Wire fees from my bank maybe? Next business day?

Any info on this would be great if anyone knows, thanks a lot.

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Rand

Personal account holders may add their US bank account to ePassporte and transfer any amount up to their daily limit for $2. It typically takes 3-5 business days for the funds to appear in your account.

I don't presume to speak for all US banks, but my bank doesn't charge me to receive money into my account. An ACH transfer is very much like direct deposit.



Any info on this would be great if anyone knows, thanks a lot. [/QUOTE]

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Rand

Herb,

Thanks for you input. I wanted to address this particular part of your post.

ePassporte doesn't have a problem allowing someone to withdraw to a savings account. Your bank, however, may not allow ACH transactions for that particular ABA#. Whatever the case, could you please send your eP username to me? I'd like to look into this.

Please put "ePassporte / GFY" in the subject field. And if there is anything I can do to facilitate anything, don't hesitate to ask.

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Tom_PM

Cool, thanks Rand

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High_Times

I sale cheap epassporte accounts!

micke

Hi there Rand (and sorry for the thread-hijacking! ;))

I have a couple of questions for you aswell...

1. I have a epass. businessaccount. I can´t recieve money from somone with a personal account. I guess there is a reason for that! Question is : What reason?

2. After 2 months i still have not had one single client with a business account! Is it possible to "convert" my business account to a personal account without any bigger problems? If so, how long woulf it take and do i need to wait for a new Visa Electron card??

Thanks...
//Micke

Snake Doctor

Hey Rand who do I have to blow to get my limits increased?

I faxed you guys over copies of voided checks, my drivers license, my 4th grade report card and if I remember correctly a blood and stool sample

They increased my withdrawal amount to 1K, but that's still not enough. I have to remember to log in almost every day and transfer funds, and pay the $2 fee every time I do. It would be alot easier if I could log in once a week, make a transfer, and be done with it.

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Rand

Business account have higher parameters because they are funded via wire transfer. In other words, the funds are guaranteed. If eP allowed you to receive funds from personal accounts, possibly where the funds are derived from credit cards or ACH, your account would be considered somewhat more risky.

The solution to your dilema is that you can create a sub-account (personal account) under your business account and then you could receive P2P transactions to your personal account, thus retaining the integrity and benefits of your business account. The Virtual account (sub-account/personal account) will cost you five dollars per year.



It depends on how you use your account. A business account has additional privileges and drastically reduced load fees. If it were me, I would retain the business account and create a sub-account (as I suggested above) and then you have the best of both worlds.

An additional note - most if not all sponsor programs have business accounts. A business account can transfer funds to another business account (B2B) with no problem. It's normally affiliates that have personal accounts.

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Rand

I would really need to refer you to [email protected] to inquire about getting a higher transfer limit. I'm not familiar with all the parameters they have in place to increase limits.

What I would say to you, however, is that I would use my ePassporte Virtual account and Electron card as much as possible to pay whomever or buy whatever in lieu of making so many transfers. It is a Visa after all and almost everyone accepts Visa. Why transfer the funds just to spend them from a different account?

Of course I realize that people also want to be able to move money from eP to their bank account. Perhaps a weekly parameter instead of a daily parameter would work for some accounts which have a history with us and a verified account. It is something I can discuss with eP risk management anyway.

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SmokeyTheBear

Thanks rand, i didnt know the cvv2 number changed.. that was most likely the problem in all of the cases

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blofer80

Just wanted to bump this thread and say:
epassporte rules.

Thanks for all rand!

Rand

Thanks.

And thanks to everyone else who supported ePassporte (and me, for that matter) in this thread. It does help and is very much appreiciated.

A lot of you guys really rule.

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xxxice

No comment about my post that is fine. I was treated unfairly and never had and sort of resolution

Rand

I just re-read your post (#54) and I really don't understand what you're trying to explain. You didn't ask a question so I didn't comment.

It sounds like you wanted to be refunded for an up-sell on a membership site. That is a very un-usual request and strange that this upsell cost you $100. If this was an adult site processed by Epoch, then the CSR you spoke to is in a postion to protect both the site owner and try to accomodate your request. That could take some time to sort out.

I really can't comment more without looking at the facts and listening to your call to Customer Support.

Send me your eP username and I'll see what I can find out.

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xxxice

I called about uploading funds and said i made an error. I wanted to use my credit card instead of my bank account. Directly after I used my credit card. I called support and was told the charge to my bank account would be removed.

A few days later I called again to be sure. They said what the first person said was incorrect. I said well I was going on what the first person had said and they said well nothing we can do.

I was not happy that customer service did not know how to handle the situation. At least if i was told the first day that charge could not be taken back. My bank account would not have been overdrawn.

I attempted to talk to a supervisor and they like the other person put all the blame on me and not the customer service rep.

The $100 was my banks charges for the checks they had to cash with not enough funds.

My name is vanderweb at epassporte. I do use your service and love it. But being treated like i was in the wrong by customer service did not sit well.

Yes it was my error and I take the blame for it. But the customer service said it would be taken care of. Then later said I was crazy to think that they were going to fix the issue.

Kimmykim

Oh Lord, stop beating on Rand - he doesn't make the rules, he just has to get kicked around because they exist. ;)

Visa's Know Your Customer requirements and the Patriot Act are the reason for the initial parameters and in many cases the continuing parameters. People are just not allowed to move decent sums of what is considered cash around any more without a
lot of due diligence on the part of the financial institution holding the cash.

Regarding settlements -- not all MCCs are settled the same way -- a hotel will have longer than a subscription based internet merchant and a grocery store will fall somewhere in the middle. The time that an auth can be redeemed without forcing it and paying a higher discount and/or transaction fee for the transaction is dependent upon each merchants agreement.

Given the fact that ePassporte is a stored value product, NOT a credit or a debit product, in the strictest definitions the card associations publish, ePassporte is not allowed to run negative balances or floor limit transactions for the client base, and aside from the fact that it's in their best interest not to do so, they still have rules and regulations to follow overall as well. That's before eP even begins to follow bank rules and regulations also. If ePass account holders could put their accounts into the negative easily or frequently, the bank would be running a tremendous risk as well, and there probably would not be an ePassporte.

For everyone in this thread who has a problem with ePassporte, there are a few dozen affiliates who really appreciate being paid via ePassporte -- these affiliates are mostly non-US, small to mid-size resellers who net more money much more quickly through ePassporte payments than they would without them.

I've said from the beginning and will say it again - US webmasters getting 5 digit payouts over the course of a month or less are NOT the ideal ePassporte client. They should be getting wires. And paying a wire fee for it. ePassporte is designed to make life easier, not help people hide their income when they choose to do so.

That's my rant, I've been in meetings all day today and only just noticed this thread.

Varius

Rand is completely right here.

This happened to me with Mastercard, I had to wait 30 days until the hold expired on an authorization once (money was never taken).

Thus, it has nothing to do with ePassporte themselves, it's a creditcard company issue.

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Varius

Ah while I'm here, maybe KimmyKim or Rand can answer a question I had

Do you have any plans to allow non-business accounts to be allowed to transfer money to business account? You can do business->non-business but not vice versa.

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Tytan

Epassporte kicks ASS - I cant say nothing bad about them - every fucking day I can withdraw cash from the atm machine down the shop - you guys KICK ASS.

keep up the good work

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CherryLipsRosa

Rand, I just want to say very well said!

Keep up the good work!

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The Other Steve

I can understand how frustrating it must be for some of you guys in the US but for us out here in the rest of the world ePassporte has been the best thing since sliced bread.

We got set up with an account not long after they opened and we have had great service. I've had to call customer service four or five times and the treatment I got was first rate.

But of course everyone's mileage will differ.

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Forkbeard

Rand is a stellar customer service professional of which any organization would be justly proud. And I myself have never had a serious difficulty or customer service problem, so I'm an Epassporte happy camper. Like a lot of services, it's useful for many things but not for everything.

However, I literally laughed aloud when I read this:
Rand, that's funny because you've just spent several hours out of your life (that you'll never get back) explaining in words of one syllable exactly why it is (and why it's beyond Epassporte's control) that when a VISA transaction goes bad with Epassporte, the funds will be tied up for 30 days (unless multiple hours are spent on the phone getting the merchant to send a paper fax or an engraved clay tablet or whatever). Whereas, spending it from any other account, a bad transaction snafu will be limited to 3 days or 5 days or 7 days.

That's a VERY good reason to spend the money from a different account, if it were practical to do so. And it's one you must be painfully aware of, which makes your rhetorical question seem ironic if not outright funny.

Me, my money flows are small enough that I just hit an ATM every day that I have a surplus balance on my card. I did discover one negative consequence of this practice last winter, though. After watching me hit the same ATM in a convenience store in a small depressed country town every day for a week, the rode-hard-and-put-away-wet woman behind the chicken counter started getting far friendlier than I (or my girlfriend) was comfortable with!

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nofx

i love my epass card

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NaughtyRob

Yes, but when a clients send me $3K or $5K and I can only get $600 of it per day I think that is pretty lame.

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