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Discuss what's fucking going on, and which programs are best and worst. One-time "program" announcements from "established" webmasters are allowed. |
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#1 |
Confirmed User
Join Date: Mar 2004
Location: San Jose, CA
Posts: 1,341
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For those who have their own merchant accounts
Do you guys do your own rebills, or have your gateway solution provider ( like VeriSign ) do it for you?
I have a 50% rate of failure of my rebills as I have VeriSign do it for me and I was told it should be no more than 10% Is this a right decision for me to start doing my own rebills? |
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#2 |
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Join Date: Aug 2004
Location: My dog is blacker than Tupac
Posts: 5,471
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#3 |
Confirmed User
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Join Date: Jul 2001
Location: Calgary, Canada
Posts: 4,012
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How can you do your own rebills without saving the CVV code?!
Netbilling is a great solution/company. They have been around for ages and are always around when you need them. If you have a higher volume, lets say 40K+ per month, I'd be able to hook you up as well. [email protected]. |
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#4 | |
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Join Date: Feb 2004
Location: Vancouver, Canada
Posts: 7,662
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Quote:
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ICQ: 2262.73945 |
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#5 | |
Confirmed User
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Join Date: Jul 2001
Location: Calgary, Canada
Posts: 4,012
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Quote:
CVV codes should not be saved. For this reason most acquirers offer a ?rebill? option. With this option, the acquirer takes care of the rebills. |
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#6 | |
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Join Date: Mar 2004
Location: San Jose, CA
Posts: 1,341
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#7 | |
Confirmed User
Join Date: Mar 2004
Location: San Jose, CA
Posts: 1,341
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#8 | |
Confirmed User
Industry Role:
Join Date: Jul 2001
Location: Calgary, Canada
Posts: 4,012
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Quote:
Storage of Account, Cardholder, and Transaction Data A merchant and any DSE must not store in any system or in any manner, discretionary card-read data, CVC 2 data, PIN data, Address Verification Service (AVS) data, or any other prohibited information as set forth in the MasterCard Standards including, but not limited to, sections 2.5.5.1.1 and 2.8.2.1 of the Security Rules and Procedures manual, except during the authorization process for a transaction, that is, from the time an Authorization Request message is transmitted and up to the time the Authorization Request Response message is received. MasterCard permits storage of only the card account number, expiration date, cardholder name, and service code, in a secure environment to which access is limited, and then only to the extent that this data is required for bona fide purposes and only for the length of time that the data is required for such purposes. Be careful about jumping into something... All these regulations, are just one reason why payment processing is such a tough business. |
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#9 |
Butterfly Bucks
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Join Date: Sep 2005
Location: Bangkok
Posts: 1,422
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I have merchant account only for tangible products.
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100% Real Thai Girls - Tiniest Pornstar in the world Thainee.com & Dream Teen Tussinee.com Asian Teens, Asian EMO, Asian G/Fs THAI GIRLS WILD ![]() |
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#10 | |
Confirmed User
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Join Date: Jul 2001
Location: Calgary, Canada
Posts: 4,012
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Quote:
Also, check out Paycom. Rand is a great guy always looking to help people; also a pro. Just be sure to inform yourself about those regulations. It doesn?t matter what type of products you are processing. As far as I am aware, you are not allowed to store the CVC code yourself. Then again, I am no expert. It is just that I heave read or heard. |
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#11 |
Too lazy to set a custom title
Join Date: Aug 2001
Location: The Netherlands
Posts: 13,723
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50% failure with rebills? That is insane! Around 9-11% here
__________________
Questions? ICQ: 125184542 |
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#12 |
Confirmed User
Join Date: Oct 2002
Location: European Union
Posts: 1,752
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If the bank says no there is nothing you can do.... gateway or manual. Doesn't matter.
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#13 | |
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Join Date: Oct 2002
Location: European Union
Posts: 1,752
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#14 | |
Confirmed User
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Join Date: Jul 2001
Location: Calgary, Canada
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#15 | |
I'd rather be on my boat.
Industry Role:
Join Date: May 2003
Location: Miami, FL
Posts: 9,748
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Quote:
For example, when you use your card at a gas pump, or ATM, the CVV is not required. It varies from bank to bank, MCC to MCC, and transaction type to transaction type.
__________________
Michael Sperber / Acella Financial LLC/ Online Payment Processing [email protected] / http://Acellafinancial.com/ ICQ 177961090 / Tel +1 909 NET BILL / Skype msperber |
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#16 | |
Confirmed User
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Join Date: Jul 2001
Location: Calgary, Canada
Posts: 4,012
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Quote:
Oh, interesting. Ah well, I must have read the regulations wrong then. This is what it says: An acquirer?s fraud loss control program must meet the following minimum requirements, and preferably will include the recommended additional parameters. The program must automatically generate daily fraud monitoring reports or real-time alerts. Acquirer staff trained to identify potential fraud must analyze the data in these reports within 24 hours. To comply with the fraud loss control Standards, acquirers also must transmit complete and unaltered data in all card-read authorization request messages, and also CVC 2 for all Card Not Present (formerly MO/TO), voice, and e-commerce transactions. Additionally, acquirers with high fraud levels must: ? Install ?read and display? terminals in areas determined to be at high risk for fraud or counterfeit activity, or ? Install EMV chip terminals |
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#17 | |
I'd rather be on my boat.
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Join Date: May 2003
Location: Miami, FL
Posts: 9,748
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Quote:
No, you aren't reading it wrongly, (and notice that it applies specifically to card-not-present/MOTO transactions), however, in different areas of the VISA regulations (which are the size of a full set uf encyclopedia) there are detailed exceptions and conditions. Also associated member banks (banks, not processors) can negotiate certain conditions with VISA to allow for exceptions. Also protocols and procedures vary in each of the six VISA regions.
__________________
Michael Sperber / Acella Financial LLC/ Online Payment Processing [email protected] / http://Acellafinancial.com/ ICQ 177961090 / Tel +1 909 NET BILL / Skype msperber |
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#18 |
Confirmed User
Join Date: Sep 2005
Location: Las Vegas
Posts: 157
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Surprised
I am surprised that Versign is doing adult, as many of the big companies pulled out around when Card Services dropped all of us. We have two tangible account through Net Billing and love the service. Their fees may be even cheaper as we had a friend that used Verisign, and if I recall correctly, his setup fees were outrageous...
Jeff |
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#19 | |
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Join Date: Jan 2002
Location: Huntington Beach, CA
Posts: 8,584
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Quote:
Storing CVV2 #s is strictly against card association rules and could result in huge fines leading to hundreds of thousands of dollars. If you are seeing a 50% decline rate in rebills there is certainly a problem with eith initial trasnactions or the scrubbing itself. What is the highest reason for the declines that you are seeing? Mitch p.s. Thank you for the kind words everyone.
__________________
![]() Mitch Farber CEO - NETbilling, Inc. Email / Phone: 888-357-8166 / 661-252-2456 Transaction processing & 24/7 call center services with exceptional rates and flexibility, since 1998! |
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#20 |
Confirmed User
Join Date: Aug 2005
Location: ICQ: 248877409
Posts: 8,597
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mvc sounds like a good option
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#21 |
Confirmed User
Join Date: Mar 2004
Location: San Jose, CA
Posts: 1,341
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OK! OK! I got it! Can't store the CVV/CVC code. But here's how I'll do it:
Check for CVV/CVC code at the first upgrade and only allow the upgrade if that's correct. Then I'll store all of the information EXCEPT for the CVV/CVC code and rebill customers without using it in the future. Is that a good plan? |
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#22 | |
Confirmed User
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Join Date: Jan 2002
Location: Huntington Beach, CA
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Quote:
Mitch
__________________
![]() Mitch Farber CEO - NETbilling, Inc. Email / Phone: 888-357-8166 / 661-252-2456 Transaction processing & 24/7 call center services with exceptional rates and flexibility, since 1998! |
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#23 | |
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Join Date: Mar 2004
Location: San Jose, CA
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#24 |
Confirmed User
Join Date: Mar 2005
Posts: 823
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We have used Netbilling for years. Nobody else comes close to them as far as service and support. Verisign sucks (we used them previously).
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#25 | |
Confirmed User
Join Date: Mar 2004
Location: San Jose, CA
Posts: 1,341
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#26 |
Confirmed User
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Join Date: Jan 2003
Location: Phoenix, Az
Posts: 3,112
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I have a merchant account with humboldt bank and use netbillings secure gateway and call center, they are awsome.
50% sounds way high...talk to mitch at netbilling.com |
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#27 | |
Confirmed User
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Join Date: Jan 2003
Location: Phoenix, Az
Posts: 3,112
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Don't do that, your gonna get squigged by visa/MC ... you will also need to get your computer audited by security metrics ( http://www.securitymetrics.com/ ) or similar company before you do something like that.
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#28 | |
Confirmed User
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Join Date: Jan 2003
Location: Phoenix, Az
Posts: 3,112
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first all, dont do anything stupid... stop what your doing, your about to get yourself seriously screwed!
get with netbilling and you will not have any problems, you wont go to jail or get any multi million dollar fines. I read what you are thinking of doing.. dont do it..your gonna get fucked by bubba Quote:
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#29 |
Confirmed User
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Join Date: Jul 2001
Location: Calgary, Canada
Posts: 4,012
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Talk with Mitch... LOL
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#30 | |
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Join Date: Mar 2004
Location: San Jose, CA
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#31 | |
Confirmed User
Join Date: Mar 2004
Location: San Jose, CA
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#32 | |
Confirmed User
Industry Role:
Join Date: Jul 2001
Location: Calgary, Canada
Posts: 4,012
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Quote:
I am not sure a bout VeriSign, what I do know is that Mitch (Netbilling) has been in business for a long time. In my opinion they are specialists when it comes to high-risk payment processing and professional in how they handle business. If you ever have a question, Mitch is there to help; ask anybody here. Payment processing is very complex with many rules and regulations. Mitch will make sure you don?t get yourself into trouble by accidentally doing something wrong (e.g.: CVC, Security?) I am also pretty sure (97%) that VeriSign does not process high-risk merchants. Just send Mitch an e-mail! Discussing your payment processing habits/needs on a public board isn?t really ideal. |
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#33 |
Confirmed User
Industry Role:
Join Date: Jan 2002
Location: Huntington Beach, CA
Posts: 8,584
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Venus - thanks for the very kind words. We really do apprecite it and it is a pleasure serving you.
Alex - Nice conversation we had on ICQ. I look forward to having you as a merchant. Let me know if you need anything. Mitch
__________________
![]() Mitch Farber CEO - NETbilling, Inc. Email / Phone: 888-357-8166 / 661-252-2456 Transaction processing & 24/7 call center services with exceptional rates and flexibility, since 1998! |
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#34 |
Confirmed User
Join Date: Jan 2002
Posts: 2,990
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Hey Venus hit me up i want to talk to you about some shit
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#35 | |
Confirmed User
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Join Date: Jan 2003
Location: Phoenix, Az
Posts: 3,112
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sounds like you got with netbilling already, but doing your own rebills is not a problem, storing credit card info on your computer is.
the quarterly thing does not apply when you start storing numbers, you have to have the onsite audit, your also asking for allot of possible trouble. the best method, and safest, is to use a good company so your rebills work correctly and your not resorting to off the wall stuff like storing cc numbers on a personal computer. If I found out someone was storing my credit card number on their personal computer I would do what ever it took to put a stop to it as I am sure most people would. Quote:
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#36 | |
Confirmed User
Join Date: Mar 2004
Location: San Jose, CA
Posts: 1,341
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Quote:
Though I'm still waiting for someone to tell me what are the great or bad things about what over the other? |
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#37 | |
Confirmed User
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Join Date: Jul 2001
Location: Calgary, Canada
Posts: 4,012
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Quote:
Did you read what I wrote? Your re-bills don?t really matter in your decision making. In any case, Netbilling is a professional company that has been around for a very long time and has always delivered the promised. If you run high-risk transactions through VeriSign? I?d be surprised if they are happy about it. |
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#38 |
Confirmed User
Industry Role:
Join Date: Jul 2001
Location: Calgary, Canada
Posts: 4,012
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okay that was bad english, but... I hope I made sense.
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#39 | |
Confirmed User
Join Date: Apr 2003
Posts: 1,360
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#40 | |
Confirmed User
Join Date: Dec 2004
Posts: 100
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#41 | |
Confirmed User
Join Date: Apr 2003
Posts: 1,360
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#42 |
Confirmed User
Industry Role:
Join Date: Jul 2001
Location: Calgary, Canada
Posts: 4,012
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Actually, most do a pre-authorization on a transaction/credit card and then to a capture later on. Kind of like a hotel. With the pre-authorize they check if the card is present and if the funds are available, if they are, a hold is put on those funds. After X hours they capture the pre-authorization... finalize the transaction.
Since most Banks do require the CVC code (I did learn that some don't require you to send it as well) actually doing a "batch list" could cause some problems with regs. |
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#43 |
Confirmed User
Join Date: Oct 2002
Location: European Union
Posts: 1,752
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The gateway I use do a realtime authorization but do the captures once a day.
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#44 |
bitchslapping zebras!!!!!
Industry Role:
Join Date: Jun 2001
Location: In a shack by the beach
Posts: 16,015
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Visa and MC have very clear guidelines on what is allowed and what is not, and your gateway, acquiring bank or ISO should inform you as to what your responsibilities and liabilities are to be compliant within these guidelines. There is no rule that says that you cannot store your own credit card numbers as a merchant, HOWEVER, there are plenty of rules pertaining to exactly how you must store, maintain and protect this data if you choose to do it yourself.
In many cases, probably close to all of them, it's much wiser to have your gateway store the data for you, since they are (I am assuming) compliant with the regulations and with the PCI security standards required. Whether someone settles in real time, batch settles periodically throughout the day or settles once daily (just like a POS terminal does), is of little consequence to the transfer of funds from one bank to another. What is important is how the data is secured, what data is stored, and the circumstances around which both happen. An IPSP, even one that doesn't do gateway processing for outside clients, will store their own data normally, since they've passed all the security and compliance requirements, while a merchant account holder may choose between the options offered by their gateway provider. I have no idea how Verisign is set up, but it does seem odd to me that if they are doing the gateway in this instance, that they have not informed a client as to how their process works, and what options are available to the client. If Verisign is not aware that they are processing 5967 transactions for you, then it is because of either very poor due diligence on their part, or perhaps a failure to inform them of your true business model on your part. Once again, I don't have any idea which could be the case, and I'm not going to speculate. You should be aware that if you've misrepresented your business to Verisign, it's possible that you could lose the ability to process transactions entirely and you would lose your rebill database in that instance as well. I also agree with Mitch (who runs a very nice business) that a 50% decline in rebills is a problem. I can't think of any reason why that should happen, but if you are seeing it, before you decide to run your own rebills, you should investigate the cause of the problem and correct it. Bad scrubbing on the initial transaction could be a factor, your consumer base could be another factor. Without any idea of your conversion ratio, your credits or chargebacks, it's hard to say for sure what is causing the problem. You're not going to go to jail or pay multi-million dollar fines with a merchant account unless you are doing something illegal or you deliberately abuse the card association regulations with some very high volume. That kind of scare talk is nothing more than scare talk. Depending on your account volume, you should have options. Talk to Mitch or shoot me an icq if you want to discuss specific things that may be occurring. I'd be happy to talk to you about it if you like. I'd suggest getting sorted out and into compliance as quickly as you can. |
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#45 | |
Confirmed User
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Join Date: Jan 2002
Location: Huntington Beach, CA
Posts: 8,584
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Quote:
Mitch
__________________
![]() Mitch Farber CEO - NETbilling, Inc. Email / Phone: 888-357-8166 / 661-252-2456 Transaction processing & 24/7 call center services with exceptional rates and flexibility, since 1998! |
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