So, how many more programs will have dump 3rd party and go MERCHANT before - Page 2 - GoFuckYourself.com

12clicks · 12-11-2007, 01:52 PM

Quote:

Originally Posted by Barefootsies

I've said it before...

1% of the whales make 99% of the sales for any program. So they shave the sheep to pay the whales.

You'd be hard pressed to find a more idiotic post on this board

NETbilling · 12-11-2007, 01:57 PM

Quote:

Originally Posted by MikeB

It is vital to find strong banks that not only take adult merchants, but are also friendly to the adult industry. Additionally, it is a very good idea to have multiple merchant accounts in more than one region.

We have 7 strong, adult friendly banks in 3 processing regions. You can never have too many merchant accounts. It pays to diversify your risk from any single point of failure.

L3 rocks!!!

Mitch

SleazyDream · 12-11-2007, 02:03 PM

trolls. bahhhh

seeric · 12-11-2007, 03:02 PM

What CAMZ DAN said!

PaygeaGrl · 12-11-2007, 05:10 PM

Quote:

Originally Posted by A1R3K

What CAMZ DAN said!

Would you be interested in testing us out too?

PaygeaGrl · 12-11-2007, 05:13 PM

We'll handle everything incorps in house if you need it.

Far-L · 12-11-2007, 05:25 PM

I agree with:

12clicks, folks can just as easily be shaved by people using third party

Dan Camz, Netbilling will increase profit

Mitch, Netbilling is awesome!

Varius, just as important to have back up processors

Mike B, an awesome guy, full of integrity, and the guy to talk to about getting a merch account.

PaygeaGrl · 12-11-2007, 05:41 PM

Quote:

Originally Posted by Far-L

I agree with:

12clicks, folks can just as easily be shaved by people using third party

Dan Camz, Netbilling will increase profit

Mitch, Netbilling is awesome!

Varius, just as important to have back up processors

Mike B, an awesome guy, full of integrity, and the guy to talk to about getting a merch account.

We have integrated our merchant account solution with Netbilling's gateway for merchants who need additional features and I have to agree.... Mitch and Karen at Netbilling are great!:-)

12clicks · 12-11-2007, 07:03 PM

Quote:

Originally Posted by Far-L

Mike B, an awesome guy, full of integrity, and the guy to talk to about getting a merch account.

so HE'S the reason Jewel was playing cards with us. Shit, I thought it was about me.

ARS Bryan · 12-11-2007, 07:56 PM

Time to chime in for fun

ARS Bryan · 12-11-2007, 08:01 PM

Quote:

Originally Posted by spacedog

...Personally, IMO, own merchant account sends a red flag up in the trust factor if that company is also using cutom/inhouse stats/backend as well...

LMFAO

Quote:

Originally Posted by NetBilling

Not true and BTW - the program you are promoting in your sig banner, run their merchant acocunt through NETbilling

LMFAO at that burn. Oooooooh buuuuuuuuurn

NETbilling · 12-11-2007, 08:53 PM

Quote:

Originally Posted by ARS Bryan

LMFAO

LMFAO at that burn. Oooooooh buuuuuuuuurn

Thanks man. I need to reach Becky. Can you send me her contact info please?

Thanks, Mitch

Wiseman · 12-11-2007, 09:10 PM

Quote:

Originally Posted by ElConquistador

Merchant accounts can be a huge headache as well, at least that's what programs who don't use them tell me

Basically it's because they have to do all the accounting in-house, extra costs, bookkeeping, etc.

Hit me up I think we can do buisness

ARS Bryan · 12-11-2007, 09:28 PM

Quote:

Originally Posted by NetBilling

Thanks man. I need to reach Becky. Can you send me her contact info please?

Thanks, Mitch

No problem, I'll get you two in touch tomorrow

NETbilling · 12-11-2007, 10:44 PM

Quote:

Originally Posted by ARS Bryan

No problem, I'll get you two in touch tomorrow

Much appreciated

Dan · 12-11-2007, 11:20 PM

Quote:

Originally Posted by NetBilling

Yes you are deep down inside

Mitch

no but I do find it Ironic the dolphins hold the only undefeated season and that in a year that the Fins may not win a game the same year the Pats win all of them.

NETbilling · 12-11-2007, 11:39 PM

Quote:

Originally Posted by CamZ_Dan

no but I do find it Ironic the dolphins hold the only undefeated season and that in a year that the Fins may not win a game the same year the Pats win all of them.

And you had to say this why?

12clicks · 12-12-2007, 08:41 AM

Quote:

Originally Posted by Sausage

Also on the program side of things ask past clients of globill, websitebilling, probilling, and yes the one everyone thought would *never* die .. Ibill. If you think a 3rd party processor about to go bust will give you anything more than a day warning you have your head in the sand. Its a very risky business to be in.

this is completely incorrect. Its been common knowledge for at least 7 years that in the end there would be only 2 and they'd be epoch and ccbill.

so I don't know who this "everyone" is you speak of who was trusting their money with ibill.

Martin · 12-12-2007, 08:48 AM

Good thread..

AcidMax · 12-12-2007, 08:52 AM

Merchant accounts are great (and so is Netbilling I might add). All of those people complaining about chargebacks etc., need to probably look at their sites. Think about this. What would happen if alot of the 3rd party processors did go under? The porn industry would be a much better place for porn. No more shitty sites, because the higher chargeback rate would put them under. Those who take the time to ensure their sites have higher quality content, maintain their sites appropriately etc would have nothing to worry about. It would change the way we do porn. Third party billers do nothing but give Joe Schmoe the ability to take photos of his ex-girlfriend and throw em on the web for $24.95.

12clicks · 12-12-2007, 09:22 AM

Quote:

Originally Posted by AcidMax

Merchant accounts are great (and so is Netbilling I might add). All of those people complaining about chargebacks etc., need to probably look at their sites. Think about this. What would happen if alot of the 3rd party processors did go under? The porn industry would be a much better place for porn. No more shitty sites, because the higher chargeback rate would put them under. Those who take the time to ensure their sites have higher quality content, maintain their sites appropriately etc would have nothing to worry about. It would change the way we do porn. Third party billers do nothing but give Joe Schmoe the ability to take photos of his ex-girlfriend and throw em on the web for $24.95.

this is also far off the mark.

AcidMax · 12-12-2007, 09:30 AM

Quote:

Originally Posted by 12clicks

this is also far off the mark.

How so? It was my opinion and a generalization, but also based off of experience, but please feel free to enlighten me. If someone provides a shitty product without a simple way to get processing done, they wont have a way to sell the product. Merchant accounts are much better for our business (mostly because fee's etc are lower, and we can decide who we want to process). Just like Camz_Dan stated, we wanted to be in control of our billing and our business. For our sites our chargeback ratio is damn near non-existant. Why? Because we offer a quality site for our members, custom content and great customer service. The few chargebacks we do get are either because they spouse found out or their kid got the card., either way its < 1% by far.

If owners of some of these sites took the time and quit trying to make 1 million sites that all look the same, they might actually make more money. Besides managing 1 really good site is 100x easier than managing 100 bad ones.

12clicks · 12-12-2007, 09:37 AM

Quote:

Originally Posted by AcidMax

How so? It was my opinion and a generalization, but also based off of experience, but please feel free to enlighten me. If someone provides a shitty product without a simple way to get processing done, they wont have a way to sell the product. Merchant accounts are much better for our business (mostly because fee's etc are lower, and we can decide who we want to process). Just like Camz_Dan stated, we wanted to be in control of our billing and our business. For our sites our chargeback ratio is damn near non-existant. Why? Because we offer a quality site for our members, custom content and great customer service. The few chargebacks we do get are either because they spouse found out or their kid got the card., either way its < 1% by far.

If owners of some of these sites took the time and quit trying to make 1 million sites that all look the same, they might actually make more money. Besides managing 1 really good site is 100x easier than managing 100 bad ones.

custom content, quality of sites, and great customer service are irrelevant to the overall chargeback picture in the current climate of adult and really have ZERO to do with 3rd party billing.

You're also confusing a couple different issues in an attempt to make your business model sound like the one everyone else should follow.

AcidMax · 12-12-2007, 09:46 AM

Quote:

Originally Posted by 12clicks

custom content, quality of sites, and great customer service are irrelevant to the overall chargeback picture in the current climate of adult and really have ZERO to do with 3rd party billing.

You're also confusing a couple different issues in an attempt to make your business model sound like the one everyone else should follow.

First off I am not saying our model is for everyone. Each person runs their business their own way. The comments were brought up in this thread about Merchant accounts and how there are so many charge backs and one would lose their merchant account.

To me our success in having a low charge back ratio is absolutely content, customer support which is where my statements were based. For third party processors, to me they are a rip off, do we use them in a cascade? Yes, but only if our primary merchant is off line. Why would I hand my money over to a 3rd party processor to do the exact same thing we can do better in house? BTW, I agree my comments were not as clear as they should have been, I have a tendency to do that on the boards. Maybe we have been lucky and our fraud ratio has been fairly low where other companies have a higher occurrence of fraud and thus meaning more charge backs.

NETbilling · 12-12-2007, 09:52 AM

Good discussion you guys are having

Dan · 12-12-2007, 10:39 AM

The only thing I would like to add is that I am glad that there are third party billing companies. I am not suggesting that no one use them. We cascade. it is a shame the the times have changed to exclude quality amateurs from starting a new site with their own merchant account that they have to go to a third party to build up volume to get an account of their own.

There are a lot of people (Joe Shmoe's) that started out with a web site of them and their wives. including me. What about great quality sites like some people in this thread. Venus, Awesome stuff and quality content. Another that comes to mind is Naughty Allie Naughtybank.com they run an excellent site and quality program. All started as small merchants now billing big numbers.

I hope that we do not create a system that squeezes out the productive individuals and make it a business that only organized corp's can start.

As someone who works directly with 400 amateurs with our CamZ network and AmateurCamZ it is important that they continue to have the ability to do their thing on their own.

Have fun.

Merry X Mas

NETbilling · 12-12-2007, 01:42 PM

Quote:

Originally Posted by CamZ_Dan

The only thing I would like to add is that I am glad that there are third party billing companies. I am not suggesting that no one use them. We cascade. it is a shame the the times have changed to exclude quality amateurs from starting a new site with their own merchant account that they have to go to a third party to build up volume to get an account of their own.

There are a lot of people (Joe Shmoe's) that started out with a web site of them and their wives. including me. What about great quality sites like some people in this thread. Venus, Awesome stuff and quality content. Another that comes to mind is Naughty Allie Naughtybank.com they run an excellent site and quality program. All started as small merchants now billing big numbers.

I hope that we do not create a system that squeezes out the productive individuals and make it a business that only organized corp's can start.

As someone who works directly with 400 amateurs with our CamZ network and AmateurCamZ it is important that they continue to have the ability to do their thing on their own.

Have fun.

Merry X Mas

I completely agree with you Dan. Of course, we can process for anyone but the restrictions lie at the bank level. For membership sites or other "high risk" businesses, banks do not want to take the risk on a startup or small merchant. However, we can easily place most merchants doing $40k per month or more offshore or domestically.

Of course for products both adult and mainstream, there is no minimum.

Mitch

NETbilling · 12-13-2007, 09:48 AM

Quote:

Originally Posted by 12clicks

this is completely incorrect. Its been common knowledge for at least 7 years that in the end there would be only 2 and they'd be epoch and ccbill.

so I don't know who this "everyone" is you speak of who was trusting their money with ibill.

There are some smaller third party processors out there like Verotel that have been around for years successfully but keep in mind that there are thousands of webmasters that do not read the boards that did not know Ibill was in trouble until it was too late and so many lost alot of money because of it.

PaygeaGrl · 12-13-2007, 05:29 PM

We like to work with merchants that process over 30k per month but if you do 15-20k and are growing, we can incorp you in the EU and set you up with a merchant account. While we do provide our own gateway, we would recommend you use Jettis or Netbilling's gateway to take advantage of tools such as customer support, password management, and hosted join pages. This was, you have the lower rates and flexibility that come with having your own merchant account with us and at the same time, don't need to build an infrastructure in-house.

NETbilling · 12-15-2007, 09:44 AM

Quote:

Originally Posted by PaygeaGrl

We like to work with merchants that process over 30k per month but if you do 15-20k and are growing, we can incorp you in the EU and set you up with a merchant account. While we do provide our own gateway, we would recommend you use Jettis or Netbilling's gateway to take advantage of tools such as customer support, password management, and hosted join pages. This was, you have the lower rates and flexibility that come with having your own merchant account with us and at the same time, don't need to build an infrastructure in-house.

Thank you for the mention. We are happy to be working with you.

BOSS1 · 12-15-2007, 12:04 PM

Is it possibe to get a merchant account from a Canadian bank. And use netbilling?

PaygeaGrl · 12-15-2007, 02:35 PM

Quote:

Originally Posted by BOSS1

Is it possibe to get a merchant account from a Canadian bank. And use netbilling?

Hi,
You can't get a merchant account in Canada for adult. However, you can work with with Paygea and Netbilling and process and have payouts in CDN i if you would like to.

Let me know if you want more info.

NETbilling · 12-16-2007, 07:37 PM

Quote:

Originally Posted by BOSS1

Is it possibe to get a merchant account from a Canadian bank. And use netbilling?

Absolutely - Contact our sales department Monday for more information.

Mitch

NETbilling · 12-17-2007, 10:55 AM

Quote:

Originally Posted by BOSS1

Is it possibe to get a merchant account from a Canadian bank. And use netbilling?

Hi,

Post a phone number or ICQ and I will have you contacted today.

Thanks, Mitch

kcampbell1 · 12-20-2007, 10:22 AM

Hi,

For those of you who are unclear on the benefits of having your own merchant account here are some other facts for you.

You will have full disclosure on ALL the transaction that are attempted thru your website, not just the approvals. That gives you knowledge on why cards transactions are being decline. Valuable information for webmaster programs to analyze if their traffic dollars are worth the cost and who is sending "bad traffic".

You will have full control of all the fraud scrubs on your sites. The 3rd party billers do not even let you know what they are..

You can have custom join forms and custom emails receipt ( a great marketing tool ) for your other sites.

Those are just a few. Feel free to contact me for more!!!

NETbilling · 12-20-2007, 10:34 AM

Quote:

Originally Posted by kcampbell1

Hi,

For those of you who are unclear on the benefits of having your own merchant account here are some other facts for you.

You will have full disclosure on ALL the transaction that are attempted thru your website, not just the approvals. That gives you knowledge on why cards transactions are being decline. Valuable information for webmaster programs to analyze if their traffic dollars are worth the cost and who is sending "bad traffic".

You will have full control of all the fraud scrubs on your sites. The 3rd party billers do not even let you know what they are..

You can have custom join forms and custom emails receipt ( a great marketing tool ) for your other sites.

Those are just a few. Feel free to contact me for more!!!

Good stuff Karen

TheDoc · 12-20-2007, 10:45 AM

Wow, some crazy ass answers..

1) Having your own merchant account does not mean higher sales volumes. It means more control and sometimes that control means starting out with much higher scrubs.

2) Only companies with a proven track history of low chargebacks and refunds. This takes out the majority of large programs which is why the majority use 3rd party processing.

3) More support, staff, 24/7 phone/email support, having to watch every transaction, every rebill, all the time, 365 days of the year. Is a major undertaking for any company.

4) The owners ass is on the line, some want personal guarantees, and with #3 - that's enough for me not to pickup a merchant account anytime soon.

5) Huge companies can't just move to a merchant account. It would take them years to slowly move sales over. If they went to fast they could get into CB problems with the other processor.

6) The banks have limits to what they want. They may only be adding companies doing 100kish or lower amount monthly sales. Adding on a company that pushes 10m a year is a lot for a bank when they have ratios of high risk vs low risk accounts to reach.

7) With both 3rd party and Merchant accounts, you can view all transactions even decline reasons. You can customize your join forms an emails. You can customize almost the exact same thing across both.

8) With fraud scubs, yes a merchant account gives you direct control. But it isn't like you can just open up with the scrub open. It often starts tighter than the 3rd party processor and unless you run a ton notch support / login support system, you will keep your scrubs on just as tight as the 3rd party guys.

9) Staying with #8, if you run a top notch support system on a 3rd party processor, bringing your chargebacks / refunds / complaints down to almost nothing. You can talk to the processors and they can do 'magical' things for you.

---

I have worked with plenty of clients with merchant accounts and plenty without.. Not a single program stands out because of a processor setup, cascade setup, ect.

Yes, processors and the banks can cost us sales sometimes due to 1000's of possible issues, just like your member that canceled because he didn't email support telling you he couldn't login in for 1 of 1000's of stupid reasons.

NETbilling · 12-21-2007, 05:58 PM

Quote:

Originally Posted by TheDoc

Wow, some crazy ass answers..

1) Having your own merchant account does not mean higher sales volumes. It means more control and sometimes that control means starting out with much higher scrubs.

2) Only companies with a proven track history of low chargebacks and refunds. This takes out the majority of large programs which is why the majority use 3rd party processing.

3) More support, staff, 24/7 phone/email support, having to watch every transaction, every rebill, all the time, 365 days of the year. Is a major undertaking for any company.

4) The owners ass is on the line, some want personal guarantees, and with #3 - that's enough for me not to pickup a merchant account anytime soon.

5) Huge companies can't just move to a merchant account. It would take them years to slowly move sales over. If they went to fast they could get into CB problems with the other processor.

6) The banks have limits to what they want. They may only be adding companies doing 100kish or lower amount monthly sales. Adding on a company that pushes 10m a year is a lot for a bank when they have ratios of high risk vs low risk accounts to reach.

7) With both 3rd party and Merchant accounts, you can view all transactions even decline reasons. You can customize your join forms an emails. You can customize almost the exact same thing across both.

8) With fraud scubs, yes a merchant account gives you direct control. But it isn't like you can just open up with the scrub open. It often starts tighter than the 3rd party processor and unless you run a ton notch support / login support system, you will keep your scrubs on just as tight as the 3rd party guys.

9) Staying with #8, if you run a top notch support system on a 3rd party processor, bringing your chargebacks / refunds / complaints down to almost nothing. You can talk to the processors and they can do 'magical' things for you.

---

I have worked with plenty of clients with merchant accounts and plenty without.. Not a single program stands out because of a processor setup, cascade setup, ect.

Yes, processors and the banks can cost us sales sometimes due to 1000's of possible issues, just like your member that canceled because he didn't email support telling you he couldn't login in for 1 of 1000's of stupid reasons.

You have some valid points but some incorrect ones too.

Having a merchant account does not mean having to manage you own customer support or watch every transaction. This is what companies like NETbilling does for you. You are at the exact same risk with our without a merchant account. The chargeback ratios are the same for both. You can lose your ability to process through a third party processor just as you can with a merchant account for the same reasons. It makes no difference.

I can tell you that many, many of the largest programs in the industry have their own merchant accounts as well as some utilize third party processing as well but more and more are getting their own merchant accounts daily because of control and money saving reasons.

Thanks, Mitch

12-11-2007, 02:03 PM	#53
SleazyDream I'm here for SPORT Industry Role: Join Date: Jul 2001 Location: Phone # (401) 285-0696 Posts: 41,470	trolls. bahhhh __________________ This dog, is dog, a dog, good dog, way dog, to dog, keep dog, an dog, idiot dog, busy dog, for dog, 20 dog, seconds dog! Now read without the word dog.

12-11-2007, 05:13 PM	#56
PaygeaGrl Confirmed User Join Date: Aug 2007 Location: Florida Posts: 537	We'll handle everything incorps in house if you need it. __________________ Patricia Brandon VP/Sales and Business Development Paygea- EU and US Merchant Account option EU Incorporation provided Use our gateway, Netbilling, Rsbilling, or Jettis [email protected] ICQ: 470462755 See Who I Am At AdultWhosWho.com!

12-11-2007, 05:25 PM	#57
Far-L Confirmed User Industry Role: Join Date: Feb 2002 Location: Seattle Posts: 6,065	I agree with: 12clicks, folks can just as easily be shaved by people using third party Dan Camz, Netbilling will increase profit Mitch, Netbilling is awesome! Varius, just as important to have back up processors Mike B, an awesome guy, full of integrity, and the guy to talk to about getting a merch account. __________________ HomegrownCash.com, the affiliate program of Homegrown Video - The Largest Collection of Amateur XXX - Est. 1982. Contact - Email: farrell AT homegrownvideo D com Skype: hgfarl Newsweek Magazine - "Homegrown Video, the longest running series in the history of porn."

12-11-2007, 07:56 PM	#60
ARS Bryan Confirmed User Join Date: Dec 2005 Location: Chicago Posts: 875	Time to chime in for fun __________________ ///ARS - Adult Revenue Service ICQ me 25120534

12-12-2007, 08:48 AM	#69
Martin "Assassins" Industry Role: Join Date: Dec 2001 Location: At home Posts: 17,277	Good thread.. __________________

12-11-2007, 03:02 PM	#54
seeric .......... Industry Role: Join Date: Aug 2004 Location: .......... Posts: 41,917	What CAMZ DAN said!

12-12-2007, 08:52 AM	#70
AcidMax Confirmed User Join Date: May 2002 Location: MI Posts: 1,827	Merchant accounts are great (and so is Netbilling I might add). All of those people complaining about chargebacks etc., need to probably look at their sites. Think about this. What would happen if alot of the 3rd party processors did go under? The porn industry would be a much better place for porn. No more shitty sites, because the higher chargeback rate would put them under. Those who take the time to ensure their sites have higher quality content, maintain their sites appropriately etc would have nothing to worry about. It would change the way we do porn. Third party billers do nothing but give Joe Schmoe the ability to take photos of his ex-girlfriend and throw em on the web for $24.95. __________________ Latest MMA news. http://www.mmawrapup.com

12-12-2007, 09:52 AM	#75
NETbilling Confirmed User Industry Role: Join Date: Jan 2002 Location: Huntington Beach, CA Posts: 8,584	Good discussion you guys are having __________________ 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!

12-12-2007, 10:39 AM	#76
Dan Confirmed User Industry Role: Join Date: Jan 2003 Location: Las Vegas, NV Posts: 1,087	The only thing I would like to add is that I am glad that there are third party billing companies. I am not suggesting that no one use them. We cascade. it is a shame the the times have changed to exclude quality amateurs from starting a new site with their own merchant account that they have to go to a third party to build up volume to get an account of their own. There are a lot of people (Joe Shmoe's) that started out with a web site of them and their wives. including me. What about great quality sites like some people in this thread. Venus, Awesome stuff and quality content. Another that comes to mind is Naughty Allie Naughtybank.com they run an excellent site and quality program. All started as small merchants now billing big numbers. I hope that we do not create a system that squeezes out the productive individuals and make it a business that only organized corp's can start. As someone who works directly with 400 amateurs with our CamZ network and AmateurCamZ it is important that they continue to have the ability to do their thing on their own. Have fun. Merry X Mas __________________ RazorEdgeTalent.com Magazine.xxx payoutmag.com

12-13-2007, 05:29 PM	#79
PaygeaGrl Confirmed User Join Date: Aug 2007 Location: Florida Posts: 537	We like to work with merchants that process over 30k per month but if you do 15-20k and are growing, we can incorp you in the EU and set you up with a merchant account. While we do provide our own gateway, we would recommend you use Jettis or Netbilling's gateway to take advantage of tools such as customer support, password management, and hosted join pages. This was, you have the lower rates and flexibility that come with having your own merchant account with us and at the same time, don't need to build an infrastructure in-house. __________________ Patricia Brandon VP/Sales and Business Development Paygea- EU and US Merchant Account option EU Incorporation provided Use our gateway, Netbilling, Rsbilling, or Jettis [email protected] ICQ: 470462755 See Who I Am At AdultWhosWho.com!

12-15-2007, 12:04 PM	#81
BOSS1 Confirmed User Join Date: Sep 2005 Location: Montreal / Sparta Posts: 4,331	Is it possibe to get a merchant account from a Canadian bank. And use netbilling? __________________ 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

12-20-2007, 10:22 AM	#85
kcampbell1 Confirmed User Industry Role: Join Date: Feb 2005 Posts: 100	Hi, For those of you who are unclear on the benefits of having your own merchant account here are some other facts for you. You will have full disclosure on ALL the transaction that are attempted thru your website, not just the approvals. That gives you knowledge on why cards transactions are being decline. Valuable information for webmaster programs to analyze if their traffic dollars are worth the cost and who is sending "bad traffic". You will have full control of all the fraud scrubs on your sites. The 3rd party billers do not even let you know what they are.. You can have custom join forms and custom emails receipt ( a great marketing tool ) for your other sites. Those are just a few. Feel free to contact me for more!!! __________________ Karen Campbell VP OrbitalPay/GET [email protected] ICQ: 153467646 Phone: 888-776-8801 X 216 Skype: Orbitalpay.karen

12-20-2007, 10:45 AM	#87
TheDoc Too lazy to set a custom title Industry Role: Join Date: Jul 2001 Location: Currently Incognito Posts: 13,827	Wow, some crazy ass answers.. 1) Having your own merchant account does not mean higher sales volumes. It means more control and sometimes that control means starting out with much higher scrubs. 2) Only companies with a proven track history of low chargebacks and refunds. This takes out the majority of large programs which is why the majority use 3rd party processing. 3) More support, staff, 24/7 phone/email support, having to watch every transaction, every rebill, all the time, 365 days of the year. Is a major undertaking for any company. 4) The owners ass is on the line, some want personal guarantees, and with #3 - that's enough for me not to pickup a merchant account anytime soon. 5) Huge companies can't just move to a merchant account. It would take them years to slowly move sales over. If they went to fast they could get into CB problems with the other processor. 6) The banks have limits to what they want. They may only be adding companies doing 100kish or lower amount monthly sales. Adding on a company that pushes 10m a year is a lot for a bank when they have ratios of high risk vs low risk accounts to reach. 7) With both 3rd party and Merchant accounts, you can view all transactions even decline reasons. You can customize your join forms an emails. You can customize almost the exact same thing across both. 8) With fraud scubs, yes a merchant account gives you direct control. But it isn't like you can just open up with the scrub open. It often starts tighter than the 3rd party processor and unless you run a ton notch support / login support system, you will keep your scrubs on just as tight as the 3rd party guys. 9) Staying with #8, if you run a top notch support system on a 3rd party processor, bringing your chargebacks / refunds / complaints down to almost nothing. You can talk to the processors and they can do 'magical' things for you. --- I have worked with plenty of clients with merchant accounts and plenty without.. Not a single program stands out because of a processor setup, cascade setup, ect. Yes, processors and the banks can cost us sales sometimes due to 1000's of possible issues, just like your member that canceled because he didn't email support telling you he couldn't login in for 1 of 1000's of stupid reasons. __________________ ~TheDoc - ICQ7765825 It's all disambiguation