Webby

Where is WOJ?

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martinsc

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RegUser

does segpay handle subscriptions and cc processing like ccbill??
or do you need to have a merchant account?

RegUser

this is indeed a pathetic situation. I have used nikrobliing in the past...somehow clients did not feel enthusiatic about them

samo

To process with segpay, you must have EU address.

RegUser

ok. thanks
that leaves ozzies/canadians and carribs out !!

Ima Kepornos

RegUser, try hughesbilling.com They responded to me pretty quick, and will take Canadians.

Just do me a favour and tell them Jake sent you.

Webby

Na RegUser - just get an EU corp. It's not likely to cost any more than paying a VISA US fee and SegPay will prob be able to help you out on that

You got to follow the money my man :-)

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RegUser

Yes Bro but what about legal implications?
And what happens to my canadian inc. that is using ccbill US?

RegUser

I certainly will look at them n let em know who sent me their way ;-)

KGucci

SegPay can handle subscription based processing. We will require that the merchants we process for have an EU corp as we are an EU IPSP.

At this time we can not process for tangibles.

If you need some more information about our services or setting up an EU corp, please contact me directly.

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KGreer at SegPay dot com
Skype: kgucci

KGucci

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RegUser

Ok Thanks

leedsfan

i'd try Moneris. It's 4%. And you can do all major cc's

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RegUser

that is good info

RegUser

Has anyone used standardpay??

~zombiegirl~

hughesbilling does not offer recurring payouts for your webmasters. just only on initial signups. but they do process more "questionable" content

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RegUser

Well thats still better than having no visa processing at all.

Mutt

and Moneris will handle high risk adult Internet businesses?

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Kimmykim

Geez, if it looks too good to be true, it probably is... there's no such thing as a free lunch either.

Compliancy on the part of Visa and Mastercard require ALL merchants processing in ANY APPROVED card association relationship to have a place of business in the region where they are settling transactions. This is why you cannot process with CCBill or Paycom unless you have a US corporation and also why you cannot process with CCBill EU or Paycom EU without an EU corporation.

You are also not allowed to have a merchant account written in a region where you do not have a business presence. You must clearly disclose on your own merchant account the corporate name and address and this must be in your terms and conditions as well.

If you do not comply with these regulations, your processing is in jeopardy, and if you are processing on someone else's actual MIDs and TIDs then you had better hope that you don't get caught. In case no one noticed, the Phillipines is no longer handling adult transactions, and I would guess that has to do with the alledged demise of Paymonde. Adding that to the implosion called IBill from the last couple of years, one would think that people would learn to know the rules, understand the rules and actually follow the rules, if these people wish to continue to process transactions.

This is not rocket science, ladies and gentlemen, just a very simple formula.

gooddomains

exactly the way I see it, all this rule bending always ends up imploding

RegUser

this gets brought up again n again

does moneris allow canadian adult webmasters?

KrisKross

A bit late here, but my point was that since she's her own content, she'd have no problem having the necessary documentation. I wasn't saying that she didn't have to be compliant, I was saying she shouldn't have a problem complying.

And RegUser, Moneris will not process adult.

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Webby

Not sure where you are going KK. Are you pointing out that Paymonde were active with a Philippines bank - or something else?

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RK

No. You might as well incorporate in the US or EU, the taxes are lower anyway.

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Drake

Do you know why the Phillipines stopped accepting adult transactions? Chargebacks or some other issue?

nudecanada

Wierd.

A couple years ago we got approved by Moneris Canada to use them to process for some of our adult sites. We had a mainstream merch account with them for about 8 years and they approved a high risk for adult as well a few years ago.

Only reason we are not using it is because their Mastercard platform wasn't set up to use the gateway we were going with. Visa was fine.

It might have changed of late, but as far as I know we still have the high risk account. It wasn't easy to get. They checked us out inside and out, even made sure we had GST registration with Revenue Canada from what I recall.

Sorry I can't offer more. I am not in charge of the inner workings of our company, but I do know we applied for one, and got it. It might be different today.

Tempest

What exactly are you trying to say? That Canadians have no "truly legal" option even if they formed a corp in another region/country?

Webby

Mmmm.. Was also waiting to hear what is not a rocket science and what exactly is new that apparently webmasters don't know about.

We all have opinions of course

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Tempest

Yep.. It KILLs me that there doesn't seem to be any "easy" solutions for Canadians. If there was I probably would have opened up my own pay sites instead of continuing to flog everyone elses, mostly crap, sites.

Webby

Agree - Totally absurd.

Can't remember... what global banking region is Canada within? Is is mixed up with the US or on it's own? We are in the Caribbean and Latin America region and little processing facilities worth mentioning, so have a biz base in the EU which can cover processing. (Sure not interested in any sperm counts with the US on this).

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Kimo

poor canadians


lol

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KrisKross

If you're talking Visa specifically, than Canada is it's own region.

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Webby

Thanks Kris.... was just wondering what the big deal is with processing in Canada. From past history it appears banks have had a problem with high risk - and had some crap thrown at them, tho not particularly by the adult biz.

Believe the global banking regions own companies like VISA which is kinda handy in a way - if a banking region does not like VISA ideas, - that horse don't run. (Example of that was the proposal to charge $700 something where only the US accepted that kind offer and a DNA test - and was rejected by all other global banking regions.)

Only my - think any serious webmaster really needs to be "global" and structure their biz affairs to best advantage - and make provision for having processing ability in whatever regions are suitable. The EU is an obvious candidate, simply because there are several processors in that region. It's only my rant again.. but prefer to see a processor with provision within their biz model to cover webmaster funds should the TPP encounter problems. The only two processors who have such a model are in the EU - the rest all offer free drinks at conventions as a confidence booster and convey the impression of stability/security, - but offer no security.

Notice the same processing problem appears with Aussie webmasters (tho not sure it's as bad as Canada?). Again, the solution may be - go global.

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KrisKross

Yeah, Canadian banks generally frown upon high risk transactions. I'm interested to know more about nudecanada's story, as I have heard rumblings in the past that Moneris would do high risk if you jump through the proper rings. It surprises me though, since Moneris is run by two of Canada's biggest banks.

Going global is a great idea, but it's tough for the small time people like myself. I came in to the industry in 2002 ready to launch a great paysite. I spent tons of time and cash on content, design, etc. And then shortly after it launched, bam, new Visa regulations and I couldn't process anymore.

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RegUser

OK Guys
lets summarize the options for Canadian webmasters for VISA
1. Incorporate in EU or US
2. Forget Visa
3. Get a merchant account ??
4. Use little known or unknown billing processors

Can sone Canadian webmastrs please step forward and suggest what you are using or recommending.
PLEASE

jackhole

Go to Vegas & set up a corp.

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CHMOD

Do I understand right ?

You charge 14.85% processing fees
+
15% to send checks ?
(Fees for Segpay Checks
The service fee for Segpay Checks is 15% of the Client's Total Revenue after the deduction of End-User Refunds. )

If this is right, it is totally insane.

BuggyG

well..I don't think you going to have to worry about them much longer! 1 less headache for ya!

KrisKross

Why not look at the join pages of most Canadian programs. Most of them are incorporated in the US or EU. If you're willing to jump through all the legal hoops, it's the smartest option.

Some of the bigger guys have their own merchant account, but you need to have good volume to get a merchant account. And unless you can find a Canadian bank that will give you a high risk merchant account, you'll still need to incorporate in the US/EU as the cross border acquiring regulations still apply.

Some of the smaller guys use the "no-name" processors, but we all know what happens there.

Verotel Pro is a solid option as well. It'll cost you $1500 and they incorporate you in EU, but I'm sure it's less than the necessary legal fees to do it on your own.

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Ima Kepornos

As far as I know they do. In fact I am sure they do, on the membership setup anyway.

We have just set up with them, very fast and very helpful. They even changed things for us a bit and allowed us to do what we needed. Steve was very helpful. I looked everywhere for another way of doing it, and we have started an application with Moneris. They tell me that they provide merchant accounts for high risk, and there is no fee for an application, so it wont hurt to see.

We are Canadian, and that is the way we sorted ourselves out after Paymonde, we are now up and running again, taking Visa, MasterCard, Discover, JCB etc. Hope this help RegUser.

Jake

coolegg2

Regarding number 1. It's not as easy as just incorporating in the EU or US. CCBill, for example, requires the "principle" to be a European or American citizen respectively. Incorporating in a foreign country is reletively easy - it's some of the other stuff, that varies from sponsoring bank to sponsoring bank, and therefore processor to processor, that can be the showstopper for many Canucks. CCBill can tell you more about what their bank specifically requires.

RK

I believe that fee is for accepting checks from customers, not sending them to the merchant.

Disclaimer: I'm not affiliated with SegPay, we are better

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nekrom

To the best of my knowledge, current 3rdy party options for Aussies with minimal effort to utilise are Verotel & Hughes.

For the paperwork inclined we can also get incorporated + a principle and use either EU or USA 3rd party options, where region emphasis is a requirement.

There their is also the option of useing the above method, but getting a MA instead of using the 3rd party option.

And lastly there is also one bank down here,(not saying which on) just recently allowing MA's for adult to be applyed for. With the condition that their prefered gateway provider/s are used. Visa/MC only.

-N

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KGucci

Those are the processing fees for accepting credit cards and online check transactions.

SegPay does not issue payments by check to our merchants/clients. The payouts are sent weekly via wire or ePassporte.

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KGreer at SegPay dot com
Skype: kgucci

sentry

Inet-cash have been reliable for me for the last 3 years. Payout on time via wire transfer.

They are based in Germany which has the most adult sites after the US. The majority of the site is in German but is not too difficult to translate using babelfish or just email them and ask them if they accept candian webmasters they have always answered my emails sent in English (does take them a bit longer than emailling in German though)

http://www.inet-cash.de/anmelden.php?lang=en

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LadyMischief

Watch out for webstream. Their fraud protections is less than good, our old company got hit with TENS OF THOUSANDS of fraud with them, WE INFORMED THEM THAT THE TRANSACTIONS WERE FRAUD, and they still nailed US for it, even though it was THEIR fraud protection that let the transactions slip through.
They don't track if they pay out on the fraud, they just pay out and sort the rest out after the fact.

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rewn

Verotel ticketsclub is the way to go , start with that and then move to Pro once you're comfortable ..

They are an awesome stable company !

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KrisKross

Please excuse the cross posting...

It's been a while since I took a look at what's actually necessary to incorporate in the US. I remember there's was something about the principal owner needing to be a US citizen or something along those lines.

Now, would someone with dual citizenship (US and Canadian) residing in Canada be able to incorporate a US business and then register with Paycom, CCBill et al?

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RegUser

that is correct kris.
you will ID issued in US.