There are different ways to send a fraudulent transfer, from an account loaded via a stolen CC is just one of them.
If an account holder receives a fraudulent transfer the money will be taken out of the account.
If you in your bank account deposit a check that bounces, deposit counterfeit money or in any other way receives money that are fraudulent the money is taken out of your account.

Paypal and any other ewallet compagnies would have handled it the same way for virtual work. Some of thoses compagnies offer an "insurance" policy if it's a tangible good, but for any virtual item, it's mostly instant refound.

I suggest you should go agaisn't the webmaster.

Well PP dosen't accept adult... so that's why epass is taken as #1 in our industry. We all agree that paypal is a better service.

I've had to eat 1500 from paypal once... shit happens

Chgances are it'S friendly fraud, and he reported his card stolen or something

Shhhh. don't baffle all these idiots with facts, let them keep giving epass a lapdance. its funny. also, banks generally are insured against the fraud losses.

Hmmm...some interesting stories and comments here. I'm not exactly sure how Epass works but here's some food for thought:

1. Is Epassport really the right medium for B2B transactions considering the amounts involved and one must "load" their account (possibly with a stolen cc)? - wouldn't a bank transfer/cashiers check be better?

2. Let's say the person "loaded" their account with $1000 - Epass gets a pre-auth for the full $1000 which is the available balance at the time - other charges come through before Epass can acquire the money which depletes the available credit on the card - when Epass tries to acquire the $469 they get a decline.

3. Let's say that the "loader" had transfered lots of little payments to other customers and instead of dinging the smaller customers Epass dinged the one account that would cover the $469 NSF. (no bashing here, just information gathering)

4. What info does Epass require from account holders?

5. Is the *fraudulent* Epass account still active?

6. In this context I agree with the "knowing your customers" considering the amount - can't you ask for some sort of ID (e.g., fax drivers license, phone bill, etc.) from the transferer before accepting their Epass payment?

7. I agree on one other thing, you should recieve an email if a transaction is reversed for NSF, chargeback, refund, fraud, dispute, etc. (not bashing here either, as someone said they do send it.)

8. Finally, banks are indeed not loosing money! - They are just trying to figure out how to make more! a la Verified by Visa/MC Secure, Visa/MC regs, PCI Compliance, etc.

:2 cents:

There's no real easy solution for this.

If epass used some of their (hefty) loading fees to cover CC fraud and allow the recipient of fraudulently loaded funds to keep them, the policy would no doubt be exploited by scammers. I'm sure there are already plenty of situations where CC loaded funds have been withdrawn before it's discovered that the transaction is fraudulent.

Don't know how to break it to you, but that is the standard. Paypal does the exact same thing

Sorry Logan, but that is how Paypal does it too, trust me, I got screwed out of +$1,000 as a result of someone "selling" something on Ebay that was never received. The seller subsequently sent me money. Paypal took it away from me even though I had nothing to do with the transaction.

I would hope my bird is smarter than him

Ahh ok, that makes more sense then

I can't believe you guys are saying that epassporte shouldn't be at least partially responsible for this... Epassporte doesn't provide ANY means for the seller to verify how legitimate the buyer is... It wouldn't exactly be hard to add in a feature similar to paypal, where you can view some details about the seller (account creation date, verification status, number of successful transactions, perhaps even card holders country,etc) I'm sure a feature like this would reduce fraudulent transactions...

And we all know Paypal treats people fairly. ;)

So why do you penalize the victim by suspending their account and then they have to try for weeks to get it unblocked?

The losses are the reason these companies charge big ass fees. I damn sure wouldn't fuck my customers every time my anti-fraud measures fucked up. I'd give the amount back to the stolen card then persue charges against the person that defrauded the system. :upsidedow

I love my Epassporte!!!!!

I replied before I read page 2, of course Epass should eat some if not all of the amount. Of course THEY won't say that, and the big companies here have the sheep so brainwashed that they assume this is how it should be. IPSP's have the absolute worst customer service and business procedures of any business I have ever seen.

Even though that most of you guys is ok with what's Epass procedure with this kind of issue. It's just sound unfair that the "victim" will shoulder all the loss everytime Epassporte's authentication procedure fails.

They should implement a more secured procedure like letting the cc owner fax/email their documents, address, id's or even calling the bank or the person itself.

I don't want to think that this kind of situations are taken for granted coz everytime their authentication procedure fails, someone will shoulder the loss.. :Oh crap

I must admit that at the moment in the adult biz. Epass is the easiest way that you can use to transfer $ to another acct. Handy, until you're hit with situations like this that you'll suddenly realize that you're not "safe" with where you keep your money in.

:2 cents:

strange
but i have great problems with epass this week
most has been solved
but one not

one client

dave memory <[email protected]> b out a month ago ordered design
paid via epass
and after a month
epass found out that the transaction was fraud and take 250 from my cash
thats really sad
cause how can we work with epass
in such cases
clients will pay us cash
we willdo the work
and in the month epass will tell us cash is fraud and will take it out of our acounts :mad:


though i must say
all other problems that appeared after my account was suspended was solved with tthe help of Keyser Soze

the lesson if there is one of this thread ( and in general ) is...

Dont use epassporte for transferring money like it was a billing solution or an atm card.. treat it as if it were a check that has not cleared yet.

i.e. dont take epassporte payments for services from people you dont know , as you have no way of verifying if that account was loaded legit.

If the transaction was with PayPal you probably wouldn't have an account anymore.

Yes, I hear Epassporte is the shit...

This would definitely be nice.

I don't think he is blaming Epassporte, I believe, from actually reading his post, that he is confused at why they would just refund the money without any explanation or notice to him and why he had to make a international phone call to get the explanation. Seems like a ligitimate complaint to me.

If I deposit a check in my bank account, they add that money to my account, then that check later is found to be a fraud, they remove the money, they CALL ME and tell me that it happened immediately and they send me a notice in the mail. If they didn't do that, I would probably not use that bank anymore either.

I'd be upset too if I were him. That's really shitty customer service.

What woj said.

I must be a lucky bastard then................never had a problem with epass ever. Im sure they will take all this on board and sort out everything.

where is that epass rep guy? no response about getting a business account for weeks now...

I hate them and paypal

Please email me and I'll get you in touch with them.