Processing Myths Destroyed - great article everyone should read - GoFuckYourself.com

Hardcore J · 08-16-2007, 03:20 PM

This is the best article I have read in a long time about processing.

Great job Rand! I learned a lot today from this and you truly know your stuff.

Every paysite owner should read this and learn from it.

http://xbiz.com/articles/83100

Dollarmansteve · 08-16-2007, 03:25 PM

no cross sells are evil.. they're the devil.. only a criminal would use a pre-checked xsell!!

born · 08-16-2007, 03:38 PM

This is an excellent point, I did not know this until I read the article.

Local Currencies:
"... A real misconception is that you need to use offshore or region-centric billing services to accept the currency types not usually offered by major billing companies. In fact, utilizing such services might put your site in danger of violating cross-border acquiring rules without your knowledge. The risk of losing your ability to accept the major card types is hardly worth the limited rewards you might gain from accepting local billing currencies. You should check with a legal consultant to make sure you are not exposing yourself to risk."

Of course, not being able to process Visa/Mc would end your days of being an adult webmaster/Affilate Program!

b-

CaptainHowdy · 08-16-2007, 04:56 PM

Bumpo !

AM900 · 08-16-2007, 04:57 PM

its not that bad

uvort · 08-16-2007, 06:07 PM

Quote:

Originally Posted by Dollarmansteve

no cross sells are evil.. they're the devil.. only a criminal would use a pre-checked xsell!!

Funniest thing I've read all day.

hollymoss · 08-16-2007, 07:02 PM

Imformative Stuff!

SmokeyTheBear · 08-16-2007, 07:14 PM

good article but no offense some of it seems rather "sugar coated"

" It is important to remember that billing companies and website owners' interests are perfectly aligned"

hmm i guess ibill was the exception to the rule

Pornwolf · 08-16-2007, 07:27 PM

That was a great read Rand.

Now, can I have 7% rates?

Marshal · 08-16-2007, 07:41 PM

very nice read! what about non usa or non eu companies and online processing?

wiggitywack · 08-16-2007, 07:44 PM

great read Rand.

thanks for an objective yet informative piece.

12clicks · 08-16-2007, 08:18 PM

not bad Rand. the fraud and Xsell stuff was company line but the rest was interesting.

ExtremeEric · 08-17-2007, 07:22 AM

interesting article

Rand · 08-17-2007, 07:38 AM

Quote:

Originally Posted by Hardcore J

This is the best article I have read in a long time about processing.

Great job Rand! I learned a lot today from this and you truly know your stuff.

Every paysite owner should read this and learn from it.

http://xbiz.com/articles/83100

Thanks Hardcore J, and others. I was happy to get this out and I want to thank XBiz for putting it on the cover of their August issue.

This was my response to the questions I hear on a regular basis. I hope it helps.

Tom_PM · 08-17-2007, 07:56 AM

Good stuff

tranza · 08-17-2007, 08:06 AM

I'm reading it right now....

MakingItPay · 08-17-2007, 08:18 AM

Very good article!

MarkMan · 08-17-2007, 08:30 AM

nice read

Shap · 08-17-2007, 08:33 AM

Quote:

Originally Posted by born

This is an excellent point, I did not know this until I read the article.

Local Currencies:
"... A real misconception is that you need to use offshore or region-centric billing services to accept the currency types not usually offered by major billing companies. In fact, utilizing such services might put your site in danger of violating cross-border acquiring rules without your knowledge. The risk of losing your ability to accept the major card types is hardly worth the limited rewards you might gain from accepting local billing currencies. You should check with a legal consultant to make sure you are not exposing yourself to risk."

Of course, not being able to process Visa/Mc would end your days of being an adult webmaster/Affilate Program!

b-

I don't think many people understand how important this is.

DonMike · 08-17-2007, 10:21 AM

It's set aside for a lunchtime read. I know anything Rand has to say is worth listening to.

AGP Albert · 08-17-2007, 10:26 AM

Rand is one of the most respected and talented people in this industry. His loyalty with paycom/epoch is notable as the company has evolved through challenging times and now represent the benchmark for third party processing.

The information given in this article is a fair and accurate representation of processing to date. I am pleased that this article is created because this entire industry is at the mercy of processing. I have even taken the time to educate my entire sales team on this article specifically.

Keep up the good work Rand.

jmk · 08-17-2007, 10:37 AM

All one should say is THANKS Rand!!!!

JFK · 08-17-2007, 11:40 AM

Quote:

Originally Posted by Rand

Thanks Hardcore J, and others. I was happy to get this out and I want to thank XBiz for putting it on the cover of their August issue.

This was my response to the questions I hear on a regular basis. I hope it helps.

Yup, it helped Rand, Thanks

Pornwolf · 08-17-2007, 11:56 AM

So, you are saying I can't have 7% rates?

Awww, c'mon Rand! I won't tell anyone!

;)

Hardcore J · 08-17-2007, 12:18 PM

Quote:

Originally Posted by Rand

Thanks Hardcore J, and others. I was happy to get this out and I want to thank XBiz for putting it on the cover of their August issue.

This was my response to the questions I hear on a regular basis. I hope it helps.

Rand

I had no idea about some of these cross border rules that you pointed out.
You clearly explained these rules / regulations in laymen's terms and potentially prevented me from putting my business in jeopardy without me even knowing it.

Based on your article, it's clear that US based online vendors CANNOT use a non USA based IPSP to clear credit card transactions.
If a webmaster decides to go ahead and do this anyway, they are clearly not in compliance with cross-border acquiring rules.

Any paysite owner would be an absolute fool to give up or put at risk 85% - 90% of their business by trying test a billing company that is not based in the same processing region in which they are registered.
Of course, testing a new "wiz bang" a credit card company or two in a effort to squeeze more money out of your users may sound logical at first.
But going ahead and moving fwd without first doing your due diligence will ultimately end up biting you in the ass and even threaten your core credit card processing capability.

It's also great to see that Epoch itself is capable of processing the major eight card types, including many of those wacky Euro debit cards.

So thanks again for pointing this out to us, this article may of saved a few webmasters from potential disaster!

frank7799 · 08-17-2007, 12:22 PM

Quote:

Originally Posted by Rand

Thanks Hardcore J, and others. I was happy to get this out and I want to thank XBiz for putting it on the cover of their August issue.

This was my response to the questions I hear on a regular basis. I hope it helps.

Yes, it did. Thank you so far. I set up my sites with CCBill some time ago and I´m testing them at the moment. I didn´t have one single chargeback or refund so far. That is - in my opinion - the advantage of using CCBill. Same will be with Epoch, I´m sure.

I didn´t have problems getting my sites active and I hope that I can manage to grow them soon.

The only disadvantage is that cascading isn´t possible without using a software like NATS or MPA3. Since Epoch offers a light version of MPA3, maybe it is advisable to check it out.

yo!! · 08-17-2007, 12:30 PM

yo!

... Myth Busters

Flynn · 08-17-2007, 01:01 PM

This is a great read. Thanks for making this post Hardcore J.

BOSS1 · 08-17-2007, 01:06 PM

thanks for an informative read

NETbilling · 08-17-2007, 01:53 PM

Good article Rand and thanks for mentioning NEtbilling n there as well.

Mitch

Rand · 08-17-2007, 05:04 PM

Quote:

Originally Posted by NetBilling

Good article Rand and thanks for mentioning NEtbilling n there as well.

Mitch

How could I not mention the two XBiz Award Winners for processing?

BluMedia · 08-18-2007, 03:23 AM

Quote:

Originally Posted by Rand

How could I not mention the two XBiz Award Winners for processing?

Thats awesome you guys are my two favorite processors. Great article Rand.

Mark

Hardcore J · 08-18-2007, 07:59 PM

**bumpity bump**

CurrentlySober · 08-18-2007, 09:21 PM

myth buster!

Why · 08-19-2007, 01:11 PM

very good article rand, its nice to know more the single most import thing to an adult website!

Rand · 08-20-2007, 09:44 AM

Quote:

Originally Posted by Pornwolf

So, you are saying I can't have 7% rates?

Awww, c'mon Rand! I won't tell anyone!

;)

Tell you what Pornwolf, if you can hit 2k sales per day we'll talk. ;-)

NETbilling · 08-20-2007, 09:50 AM

Quote:

Originally Posted by Rand

How could I not mention the two XBiz Award Winners for processing?

We certainly do work hard to earn the awards. Hoping for a repeat...

Mitch

Sexy Rex · 08-21-2007, 08:16 AM

Nice article Rand, thanks for sharing

Got a quick question about cross borders rules. Let's say I process www.mysite.com with an US IPSP from an US company and now I also want to process for the same stuff with an EU IPSP from and EU company.

Do I need to register a completly different url for that or are subdomains ok?
Is www.mysite.eu acceptable? (I guess yes)
Is eu.mysite.com acceptable?

alby_persignup · 08-21-2007, 08:40 AM

thanks! interesting!

08-16-2007, 03:20 PM	#1
Hardcore J Hardcore 4 Life™ Join Date: Mar 2003 Location: Everett, WA Posts: 2,553	Processing Myths Destroyed - great article everyone should read This is the best article I have read in a long time about processing. Great job Rand! I learned a lot today from this and you truly know your stuff. Every paysite owner should read this and learn from it. http://xbiz.com/articles/83100

08-16-2007, 03:25 PM	#2
Dollarmansteve Confirmed User Join Date: May 2005 Location: T.O. Posts: 2,849	no cross sells are evil.. they're the devil.. only a criminal would use a pre-checked xsell!! __________________ I died.

08-16-2007, 07:02 PM	#7
hollymoss Confirmed User Join Date: Jun 2003 Location: Valley Girl Posts: 155	Good Read Rand! Imformative Stuff! __________________ Holly Moss www.hmossprocessing.com AOL AIM hollymoss2005 ICQ 162222948

08-16-2007, 07:14 PM	#8
SmokeyTheBear ►SouthOfHeaven Join Date: Jun 2004 Location: PlanetEarth MyBoardRank: GerbilMaster My-Penis-Size: extralarge MyWeapon: Computer Posts: 28,609	good article but no offense some of it seems rather "sugar coated" " It is important to remember that billing companies and website owners' interests are perfectly aligned" hmm i guess ibill was the exception to the rule __________________ hatisblack at yahoo.com

08-16-2007, 07:27 PM	#9
Pornwolf Drunk and Unruly Join Date: Jan 2002 Location: Hollywood Posts: 22,712	That was a great read Rand. Now, can I have 7% rates? __________________ I've trusted my sites to them for over a decade... Webair, bitches.

08-16-2007, 03:38 PM	#3
born Confirmed User Join Date: Oct 2001 Location: BMore, MD Posts: 588	This is an excellent point, I did not know this until I read the article. Local Currencies: "... A real misconception is that you need to use offshore or region-centric billing services to accept the currency types not usually offered by major billing companies. In fact, utilizing such services might put your site in danger of violating cross-border acquiring rules without your knowledge. The risk of losing your ability to accept the major card types is hardly worth the limited rewards you might gain from accepting local billing currencies. You should check with a legal consultant to make sure you are not exposing yourself to risk." Of course, not being able to process Visa/Mc would end your days of being an adult webmaster/Affilate Program! b-

08-16-2007, 04:56 PM	#4
CaptainHowdy Too lazy to set a custom title Industry Role: Join Date: Dec 2004 Location: Happy in the dark. Posts: 93,581	Bumpo !

08-16-2007, 04:57 PM	#5
AM900 Registered User Join Date: Jul 2007 Posts: 97	its not that bad

08-16-2007, 07:41 PM	#10
Marshal Biz Dev and SEO Industry Role: Join Date: Jun 2005 Posts: 15,180	very nice read! what about non usa or non eu companies and online processing? __________________ --- Busy ranking websites on Google...

08-16-2007, 07:44 PM	#11
wiggitywack Confirmed User Industry Role: Join Date: Mar 2004 Posts: 561	great read Rand. thanks for an objective yet informative piece.

08-16-2007, 08:18 PM	#12
12clicks Too lazy to set a custom title Industry Role: Join Date: Jan 2001 Location: God's right hand Posts: 19,789	not bad Rand. the fraud and Xsell stuff was company line but the rest was interesting. __________________ I'm not a dinosaur, I'm a crocodile. I've seen dinosaurs come and go and I'm left unimpressed.

08-17-2007, 07:22 AM	#13
ExtremeEric Registered User Join Date: Aug 2003 Location: Florida Posts: 17	interesting article

08-17-2007, 07:56 AM	#15
Tom_PM Porn Meister Industry Role: Join Date: Feb 2005 Posts: 16,443	Good stuff __________________ 43-922-863 Shut up and play your guitar.

08-17-2007, 08:06 AM	#16
tranza ICQ: 197-556-237 Join Date: Jun 2003 Location: BRASIL !!! Posts: 57,559	I'm reading it right now.... __________________ I'm just a newbie.

08-17-2007, 08:18 AM	#17
MakingItPay Confirmed User Industry Role: Join Date: Feb 2005 Posts: 1,920	Very good article! __________________ Giant Boob High Def Trifectas http://www.TrifectaBucks.com 3D Super Sites that Sell http://www.ThrillBucks.com Giant Boobs Anyone? http://www.MakingitPay.com ICQ me at 213177906

08-17-2007, 08:30 AM	#18
MarkMan Confirmed User Join Date: Feb 2005 Location: Money Land Posts: 1,370	nice read

08-17-2007, 10:21 AM	#20
DonMike Registered User Join Date: Jan 2006 Location: Los Angeles Posts: 97	It's set aside for a lunchtime read. I know anything Rand has to say is worth listening to. __________________ Don Mike ICQ: 317407511 [email protected]

08-17-2007, 10:26 AM	#21
AGP Albert Confirmed User Join Date: Aug 2006 Posts: 720	Rand is one of the most respected and talented people in this industry. His loyalty with paycom/epoch is notable as the company has evolved through challenging times and now represent the benchmark for third party processing. The information given in this article is a fair and accurate representation of processing to date. I am pleased that this article is created because this entire industry is at the mercy of processing. I have even taken the time to educate my entire sales team on this article specifically. Keep up the good work Rand. __________________ AGP ALBERT ALTOGLOBALPROCESSING.COM Email: [email protected] Office: 305.532.8701 Fax: 305.532.8702 ICQ: 585003252 Skype:Albert.AGP BB PIN: 31CBA558 www.AltoGlobalProcessing.com [email protected] See Who I Am At AdultWhosWho.com! See My Ambush Interview!

08-17-2007, 10:37 AM	#22
jmk Confirmed User Industry Role: Join Date: Sep 2002 Posts: 5,391	All one should say is THANKS Rand!!!!

08-17-2007, 11:56 AM	#24
Pornwolf Drunk and Unruly Join Date: Jan 2002 Location: Hollywood Posts: 22,712	So, you are saying I can't have 7% rates? Awww, c'mon Rand! I won't tell anyone! ;) __________________ I've trusted my sites to them for over a decade... Webair, bitches.

08-17-2007, 12:30 PM	#27
yo!! Confirmed User Join Date: Aug 2007 Posts: 152	yo! ... Myth Busters

08-17-2007, 01:01 PM	#28
Flynn pr0's goat screwed me Industry Role: Join Date: Jan 2002 Location: Seattle Posts: 2,083	This is a great read. Thanks for making this post Hardcore J. __________________ blah blah blah

08-17-2007, 01:06 PM	#29
BOSS1 Confirmed User Join Date: Sep 2005 Location: Montreal / Sparta Posts: 4,331	thanks for an informative read __________________ NEW SITE: Stockings Kingdom Lesbians in Latex, Lesbians in Stockings, Granny Sex, BDSM Porn, Latex and Sex, Custom Foot Fetish, Femdom Movies and Kinky Porn Pass. 300+ hosted flvs, 500+ hosted galleries, Page Peel ADs.. NATS export and payouts twice a month

08-17-2007, 01:53 PM	#30
NETbilling Confirmed User Industry Role: Join Date: Jan 2002 Location: Huntington Beach, CA Posts: 8,584	Good article Rand and thanks for mentioning NEtbilling n there as well. 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!

08-18-2007, 07:59 PM	#33
Hardcore J Hardcore 4 Life™ Join Date: Mar 2003 Location: Everett, WA Posts: 2,553	bumpity bump

08-18-2007, 09:21 PM	#34
CurrentlySober Too lazy to wipe my ass Industry Role: Join Date: Aug 2002 Location: A Public Bathroom Posts: 38,648	myth buster! __________________ My AI Handywork... My Dream Gal... XXX 👁️ 👍️ 💩

08-19-2007, 01:11 PM	#35
Why MFBA Industry Role: Join Date: Mar 2003 Location: PNW Posts: 7,230	very good article rand, its nice to know more the single most import thing to an adult website!

08-21-2007, 08:16 AM	#38
Sexy Rex Confirmed User Join Date: Sep 2003 Location: President/CEO - iStripper.com Posts: 1,164	Nice article Rand, thanks for sharing Got a quick question about cross borders rules. Let's say I process www.mysite.com with an US IPSP from an US company and now I also want to process for the same stuff with an EU IPSP from and EU company. Do I need to register a completly different url for that or are subdomains ok? Is www.mysite.eu acceptable? (I guess yes) Is eu.mysite.com acceptable? __________________ WWW.ISTRIPPER.COM Unique Desktop Strippers since 1998, 20+ Millions users, 3000+ Girls to choose from, All UHD Exclusive Content.

08-21-2007, 08:40 AM	#39
alby_persignup Confirmed User Join Date: May 2007 Posts: 3,119	thanks! interesting! __________________ OnProbation Links Directory \| OnProbation Design Services \| OnProbation Cash