Credit Cards and Debit Cards - GoFuckYourself.com

leroytrolley · 01-05-2007, 04:42 AM

Hi.

I'm wondering how many sales are made by different types of cards.

I use CCBILL on my sites, but they only process credit card sale and not debit cards (apart from Austrian and Germans)

What do you think/know about sales made on debit cards. Obviousley I dont want to be missing out on sales because more people have debit cards.

Which processor would you recommend to process debit card sales??

Leroy

d00t · 01-05-2007, 05:06 AM

the one with the lowest % ;)

leroytrolley · 01-05-2007, 07:58 AM

Bump for more info please.

Klen · 01-05-2007, 08:06 AM

They dont proccess debit cards?And how can they know is someone have debit card or credit?I have two debit cards and they work anywhere.I didnt buying anything adult related but i am sure they could accept it.ALso i know ccbill accept virtual visa from epassporte which is also debit card.

Ben.Z · 01-05-2007, 08:51 AM

Hello Leroy,

There are millions of surfers who either don't have credit cards, or will not use them on the internet. Offering multiple payment options is a MUST to help diversify the risk of your processing revenues. You can tap into an entirely new revenue stream just by offering ACH (online checks) as a payment option. It's safe to assume that you could add 25%-35% in additional revenues on your existing traffic!

I'd like to invite you to try WTS's (ACHdebit.com) ACH processing service. Drop me a line and we can discuss how offering checks can increase your profits in more detail. Or feel free to use our new merchant signup form here: http://achdebit.com/contacts.html

I hope to hear from you soon.

Kind Regards,
Ben Zuckerman

Account Manager
Web Transaction Services
Toll Free: 1(866)735-5987 ext.1168
Fax: 1(512)263-3099
ICQ: 138827832

biftek · 01-05-2007, 09:02 AM

the only difference between a debit and credit card
is that a debit card uses the money in the back account
while a credit card uses borrowed money
apart from that there is no difference , both use the visa network

i think your getting confused with a bankcard , which is just atm/eftpos

Naughty-Pages · 01-05-2007, 10:35 AM

Quote:

Originally Posted by biftek

the only difference between a debit and credit card
is that a debit card uses the money in the back account
while a credit card uses borrowed money
apart from that there is no difference , both use the visa network

i think your getting confused with a bankcard , which is just atm/eftpos

Agreed.. if the Debit card has a Visa/MC logo on it (as 95% of US debit cards now are), it can be used as a Credit Card anywhere...

scouser · 01-05-2007, 10:41 AM

A bit OT, but, can EU (and other Non US) customers pay for things on most american pay sites that use the US version of ccbill?

Kimmykim · 01-05-2007, 10:56 AM

Debit cards function the same way as credit cards in a non pin-pad environment -- ie, on the web. They have a Visa, MC, Discover, etc logo and they run as a credit transaction until they are settled, at which point the money is debited from your account as if you had used a pin number.

ATM cards without a Visa, MC, etc logo are not usable on the web at the moment. There is a technology for it, but there's been no real adoption of it that I'm aware of.

Masterchief · 01-05-2007, 11:00 AM

It's possible to accept STAR debit cards online, the flat rate transaction fee, having money immediately in your account and no chargebacks is a nice perk too

01-05-2007, 04:42 AM	#1
leroytrolley XXX Video Editor Industry Role: Join Date: Dec 2005 Location: Kent, UK Posts: 2,301	Credit Cards and Debit Cards Hi. I'm wondering how many sales are made by different types of cards. I use CCBILL on my sites, but they only process credit card sale and not debit cards (apart from Austrian and Germans) What do you think/know about sales made on debit cards. Obviousley I dont want to be missing out on sales because more people have debit cards. Which processor would you recommend to process debit card sales?? Leroy __________________ XXX Video Editor

01-05-2007, 07:58 AM	#3
leroytrolley XXX Video Editor Industry Role: Join Date: Dec 2005 Location: Kent, UK Posts: 2,301	Bump for more info please. __________________ XXX Video Editor

01-05-2007, 08:51 AM	#5
Ben.Z Confirmed User Industry Role: Join Date: Sep 2004 Location: CardReady.com Posts: 1,164	Hello Leroy, There are millions of surfers who either don't have credit cards, or will not use them on the internet. Offering multiple payment options is a MUST to help diversify the risk of your processing revenues. You can tap into an entirely new revenue stream just by offering ACH (online checks) as a payment option. It's safe to assume that you could add 25%-35% in additional revenues on your existing traffic! I'd like to invite you to try WTS's (ACHdebit.com) ACH processing service. Drop me a line and we can discuss how offering checks can increase your profits in more detail. Or feel free to use our new merchant signup form here: http://achdebit.com/contacts.html I hope to hear from you soon. Kind Regards, Ben Zuckerman Account Manager Web Transaction Services Toll Free: 1(866)735-5987 ext.1168 Fax: 1(512)263-3099 ICQ: 138827832 __________________ *Credit Card Processing for Adult Merchants* Contact me: Ben Z. (ben\|AT\|CardReady.com) ICQ_138827832 Toll Free: 1.888.398.6001 Ext.212

01-05-2007, 09:02 AM	#6
biftek So Fucking Banned Join Date: Jan 2005 Location: Victoria, Australia Posts: 1,030	the only difference between a debit and credit card is that a debit card uses the money in the back account while a credit card uses borrowed money apart from that there is no difference , both use the visa network i think your getting confused with a bankcard , which is just atm/eftpos Last edited by biftek; 01-05-2007 at 09:03 AM..

01-05-2007, 05:06 AM	#2
d00t Confirmed User Industry Role: Join Date: Sep 2002 Location: In your mind Posts: 3,766	the one with the lowest % ;)

01-05-2007, 08:06 AM	#4
Klen Industry Role: Join Date: Aug 2006 Location: Little Vienna Posts: 32,235	They dont proccess debit cards?And how can they know is someone have debit card or credit?I have two debit cards and they work anywhere.I didnt buying anything adult related but i am sure they could accept it.ALso i know ccbill accept virtual visa from epassporte which is also debit card.

01-05-2007, 10:41 AM	#8
scouser marketer. Industry Role: Join Date: Aug 2006 Location: bcn Posts: 2,280	A bit OT, but, can EU (and other Non US) customers pay for things on most american pay sites that use the US version of ccbill?

01-05-2007, 10:56 AM	#9
Kimmykim bitchslapping zebras!!!!! Industry Role: Join Date: Jun 2001 Location: In a shack by the beach Posts: 16,015	Debit cards function the same way as credit cards in a non pin-pad environment -- ie, on the web. They have a Visa, MC, Discover, etc logo and they run as a credit transaction until they are settled, at which point the money is debited from your account as if you had used a pin number. ATM cards without a Visa, MC, etc logo are not usable on the web at the moment. There is a technology for it, but there's been no real adoption of it that I'm aware of.

01-05-2007, 11:00 AM	#10
Masterchief Confirmed User Join Date: Jun 2006 Posts: 530	It's possible to accept STAR debit cards online, the flat rate transaction fee, having money immediately in your account and no chargebacks is a nice perk too