First look at New VISA Registration Form - GoFuckYourself.com

Maximus · 10-09-2002, 08:46 AM

Here you go... the first look at the Visa Registration Form
Any comments?

http://www.websitebilling.com/visaregform.doc

ControlThy · 10-09-2002, 09:20 AM

Do they want a DNA sample with that?

tree · 10-09-2002, 09:22 AM

PornBroker · 10-09-2002, 09:40 AM

USA only...

V

Maximus · 10-09-2002, 09:51 AM

Quote:

Originally posted by ControlThy
Do they want a DNA sample with that?

We will need a retenal scan, blood work, urine sample, colonoscopy, testicular scan, pap smear, finger prints and yes indeed the dna sample as previously mentioned. We will be sending out the registrataion kit shortly. ;-)

Hooper · 10-09-2002, 09:59 AM

Maximus.. dont you think it might be appropriate to give copies of these documents to the webmasters using websitebilling?

We would certainly appreciate receiving notification about items such as this.

ColKurtz · 10-09-2002, 10:00 AM

The Machine · 10-09-2002, 10:05 AM

Brown Bear · 10-09-2002, 10:08 AM

They want your Driver?s License Number?

The Machine · 10-09-2002, 10:10 AM

Quote:

Originally posted by Brown Bear
They want your Driver?s License Number?

and social.

Maximus · 10-09-2002, 10:28 AM

Quote:

Originally posted by Hooper
Maximus.. dont you think it might be appropriate to give copies of these documents to the webmasters using websitebilling?

We would certainly appreciate receiving notification about items such as this.

We sent out notices last week on this but only received the registration forms this morning. We are updating our IPSP FAQ page to answer questions and include the new form. We are sending out the form only to our High risk US clients via email with instructions and our "best practices" recommendations.

If you did not receive the original email last week please call us so we can make sure we have the correct email for you.

Jizar II · 10-09-2002, 10:41 AM

Quote:

Originally posted by Brown Bear
They want your Driver?s License Number?

crap

Amputate Your Head · 10-09-2002, 10:44 AM

1. Hard to get a US drivers License # if you don't live in the US.

2. What if you DO live in the US, but don't drive? Gotta be a licensed driver to operate a porn site?

Maximus · 10-09-2002, 10:49 AM

Quote:

Originally posted by Amputate Your Head
1. Hard to get a US drivers License # if you don't live in the US.

2. What if you DO live in the US, but don't drive? Gotta be a licensed driver to operate a porn site?

I would imagine that space would be N/A. Not everyone drives.. maybe if youve had speeding tickets you cant do business with them...who knows.

Elephant_Gut · 10-09-2002, 10:56 AM

fuck this registration bullshit. I'm movin' my ass offshore!!

TheFLY · 10-09-2002, 11:05 AM

Is this for the merchants to fill out or the surfers... ?

Amputate Your Head · 10-09-2002, 11:08 AM

Quote:

Originally posted by Maximus

I would imagine that space would be N/A. Not everyone drives.. maybe if youve had speeding tickets you cant do business with them...who knows.

lol.... too many parking tickets gets ya on the TMF list huh.....

Maximus · 10-09-2002, 11:09 AM

Quote:

Originally posted by Elephant_Gut
fuck this registration bullshit. I'm movin' my ass offshore!!

There are advantages to moving offshore. Although the domiciling cost will probably be greater than the registration fees.

We do know of a client who was doing a considerable volume offshore, not sure which country, but the bank held all their money just because. Told the client come here and try to sue us.... the regulations offshore protecting the indivdual are not like here in the states, so choose your domicile carefully.

If you do it right it could be beneficial.

cherrylula · 10-09-2002, 11:13 AM

check sig bwahahahahahaha

SykkBoy · 10-09-2002, 12:09 PM

Quote:

Originally posted by Amputate Your Head
2. What if you DO live in the US, but don't drive? Gotta be a licensed driver to operate a porn site?

like me....
oh welll, that's why we're putting the cleaning lady's name on everything......

Brown Bear · 10-09-2002, 12:15 PM

Why the hell would Visa want your drivers licence number?

That is absurd!

I have a drivers licence, but I can't see how that has anything to do with owning a porn site.

This is just one more way to get big brother monitoring your every move.

Would they also like me to have a GPS transmitter implanted in my body so they can track my location at all times?

cherrylula · 10-09-2002, 12:15 PM

Quote:

Originally posted by Amputate Your Head

lol.... too many parking tickets gets ya on the TMF list huh.....

I forgot to pay columbia house for my cds too, so I figure they will dig that info up too eventually.

machineg · 10-09-2002, 12:21 PM

Quote:

Originally posted by Brown Bear
Why the hell would Visa want your drivers licence number?

That is absurd!

I have a drivers licence, but I can't see how that has anything to do with owning a porn site.

now adays they ask for your liscence to rent a movie, whats the problem
don't have it, dont show it,
I doubt very much You need it to set up shop

Brown Bear · 10-09-2002, 12:23 PM

Quote:

Originally posted by machineg

now adays they ask for your liscence to rent a movie, whats the problem
don't have it, dont show it,
I doubt very much You need it to set up shop

If they don't need it, then they shouldn't be asking for it.

I'm going to fill out one of those applications and in the space for the drivers licence I'm going to write FUCK YOU!

Shoplifter · 10-09-2002, 12:39 PM

It's actually not as bad as I thought.

The only thing is what do foreign nationals without US DL and SSN do?

I also wonder what Visa will make of all these new LLC's with no credit history.

machineg · 10-09-2002, 12:48 PM

Quote:

Originally posted by Brown Bear

If they don't need it, then they shouldn't be asking for it.

I'm going to fill out one of those applications and in the space for the drivers licence I'm going to write FUCK YOU!

Sly_RJ · 10-09-2002, 12:50 PM

Quote:

Originally posted by Amputate Your Head
1. Hard to get a US drivers License # if you don't live in the US.

2. What if you DO live in the US, but don't drive? Gotta be a licensed driver to operate a porn site?

Uhh... yeh... I don't have a drivers license. The next requirement will be a 4 inch cock or greater, we're all fucked!

Jizar II · 10-09-2002, 01:03 PM

Quote:

Originally posted by Sly_RJ

The next requirement will be a 4 inch cock or greater, we're all fucked!

StacyCat · 10-09-2002, 01:40 PM

Okay, as of 3:40pm central time I have not recieved any e-mail from Websitebilling (my current processor) I recieved the e-mail last week, why no glimpse into what yall have?

Webby · 10-09-2002, 02:04 PM

What did you expect from VISA? Yea, I agree with you about renting a video as well and showing photo ID - fuck the US is messed... Next week we will have be issued with the new VISA credit and debit cards with micro chips containging your sperm count tests and linked to some GPS system - "for your own protection" of course

Webby · 10-09-2002, 02:07 PM

Can only say I sure as fuck am pleased I am actually "genuinely" offshore - could see problems like this coming for years now... sheesh!

Maximus · 10-09-2002, 03:02 PM

Quote:

Originally posted by StacyCat
Okay, as of 3:40pm central time I have not recieved any e-mail from Websitebilling (my current processor) I recieved the e-mail last week, why no glimpse into what yall have?

Hi stacy - last week we sent out an email informing the webmasters that this was coming. No wwe have the forms, we received them this morning. We have the url with the form for our current clients. everyone will get the email with the best practices and link to the form tomorrow. We also have the FAQ up in the last hour.

Remember something very important is the new descriptor requirements.

All consumers credit card statements will have to readsomthing like this - "IPSP NAME" *Website descriptor*

EX: "WSB" *Stacy Cat*

Visa claims there is too much customer confusion and this is causing chargebacks so now they want the website descriptor also.

We beleive this will have the opposite effect and actually will greatly increase chargebacks for many websites with explicit names. Denial of transactions with names like "Hot sexy girls* or the like will increase dramatically.

We have a way around this in our "Best Practices" recommendations that we are working on and sending out.

We are going to create a new thread on this subject because we beleive this is as important as the form itself...

andi_germany · 10-09-2002, 03:05 PM

So if you are a US citizen and lost your licence for some reason you are fucked?

CoolE · 10-09-2002, 05:19 PM

So I can't help but wonder how this will work for those of us who are international who are setting up US-based LLCs?

Is "Principle #1" us or our LLC agent?

If it is us then how will Visa react if we are offshore? And what will we put for SSN?

If it is our LLC agent then we put his SSN?

??????????

All the uncertainty here is very, very, very bad.

psyko514 · 10-09-2002, 11:48 PM

they ask for your driver's license/ssn in order to do a credit check on you. you don't have to provide that information, but they don't have to approve your request if they can't properly check your credit history.

as for the dude who forget to pay for his colombia house cds. if the account went to a collection agency, it'll appear on your credit history and can potentially negatively affect you.

losing your driver's license cannot affect you negatively in regards to your credit history.

RockDaddy · 10-10-2002, 12:03 AM

Your DL# has nothing to do with a credit check. They just need your SS# for that.

More than likely they are going to run background checks on each applicant. That's probably where some of the $750 is going.

psyko514 · 10-10-2002, 12:10 AM

dude, i work for visa and a good friend of mine works for the credit bureau.
if they cannot run the credit check with your ssn, they use your driver's license. or they use both in case one provided is fake.
a background check can be done just as easily with a ssn.

Kimmykim · 10-10-2002, 12:35 AM

Quote:

Originally posted by psyko514
dude, i work for visa and a good friend of mine works for the credit bureau.

And I am the president of the United Nations. Only one person I know of who'd be from Visa and reading this board, and I'd guess he's way too busy to be posting anything, since he's been talking to processors quite a bit in the last 36 hours.

From what I have heard, Visa intends to verify the identity of each of the registrees, and DL/SSN or EIN is the easiest way to do it. They don't have to check your credit for that, they can just run the info against a db from several sources. I'm surprised they didn't ask for a copy of a state issued photo id for the principal listed in the corporation, like merch acct apps do.

psyko514 · 10-10-2002, 12:45 AM

I am a customer service representative at TD Visa. I work a Mon-Fri 10:30-6:45 EST shift, assisting cardholders with their problems. Therefore, I have plenty of "off-time" to come on this board. I do not deal with the merchant aspect of Visa.
Regardless, TD Visa is Canadian, and my understanding is these regulations apply to Visa USA only currently.

If you require further proof, feel free to email me at psyko @ gmx . at. I'll give you the toll-free number for customer service, my name and my call centre. That way, you'll be able to call me and I can confirm my identity.

BTW, the UN doesn't have a president. It has a Secretary-General (Kofi Annan).

Think before you speak KimmyKim.

steffie · 10-10-2002, 12:49 AM

HMMM
Ok,, well I can see lots of chargebacks now coming already when the wife opens the credit card statement and it says

WSB - ESCORTSFORHIRE

We are all doomed!!

How about this one

WSB - COCKFLASHER
WSB - WIFETRADER
WSB - CERTIFIEDSTUDS

I am sorry as sad this might be, I do want to be at some dinner table where the wife goes

"Hunny, I just noticed on our credit card statement WSB-ESCORTSFORHIRE.COM-
COULD YOU FUCKING EXPLAIN YOURSELF and here are the divorce papers

You told me the 24.95 per month was for Newsweek

"No No hunny, thats a mistake I had a friend of mine, remember the single guy at work, he is the phone used my card because he forgot his in the car"

Wife goes to phone rrrrrring rrrrrring WSB can I help you
"We never charged this remove it NOW"

Chargeback!!!!!

(I know its not funny but)

>>>>No running to find another billing company <<<<<<<<<

btw, I am NOT with WSB its just an example, if I read correctly everybody is going to do that so in my case its gonna say CCbill or PSW

RockDaddy · 10-10-2002, 12:51 AM

Ok, I'll rephrase...

In the many years I spent running credit reports, I've never seen nor used an option to pull the report by DL. Most credit apps, aka, credit cards etc.. don't ask for the DL, just the SS so if it is an option it seems like it would be a last resort and not very productive. Been many years since I've been in that industry.

Either way, I'm sure you are right about them running credit reports, wouldn't be surprised if they did background checks to looking for "embezzelment" or crimes of that nature.

RD

psyko514 · 10-10-2002, 12:59 AM

RockDaddy... perhaps the driver's license isn't used in the USA... but it can be used here in Canada.

as for a chargeback, it's not as simple as you're making it sound.
first of all, the cardholder (and not his wife) has to send us a signed letter stating they did not authorize the transaction(s). if the charge is then proved to be valid, they must pay. if not, it is charged back. so a chargeback is only issued when a processor does not prove the charge as being valid.
and before it's charged back, the cardholder must then sign a legal affadavit restating the fact that he didn't authorize the charge.
if at any time the processor or visa can prove the charge as being valid, the credit card will be redebited and the processor will be credited. this can have several consequences for the cardholder including the revocation of his card for fraud or even reporting fraudulent use of the card to the authorities (along with things like falsifying legal documents, etc)

Swap · 10-10-2002, 02:19 AM

psyko514 - so what kind of proof would you accept showing that the member did actual signup? Since this a "non card present" charge, then having the cvv2 would help? (signature is kind of hard with old out of date credit cards - would need smart cards to do that).

Or is the real thruth that no matter what the merchant says his word means nothing, simply because his account is lable "ADULT merchant" in the visa system?

The Dawg · 10-10-2002, 05:11 AM

Quote:

Originally posted by Sly_RJ

Uhh... yeh... I don't have a drivers license. The next requirement will be a 4 inch cock or greater, we're all fucked!

Speak for yourself....

The Dawg

Maximus · 10-10-2002, 05:52 AM

Quote:

Originally posted by psyko514
RockDaddy... perhaps the driver's license isn't used in the USA... but it can be used here in Canada.

so a chargeback is only issued when a processor does not prove the charge as being valid.
and before it's charged back, the cardholder must then sign a legal affadavit restating the fact that he didn't authorize the charge.
if at any time the processor or visa can prove the charge as being valid, the credit card will be redebited and the processor will be credited

If it were only that simple. Unfortunately that system is not so for 5967 mcc code adult merchants anymore.

What you are speaking of is called a retrieval request. Whereby most merchants have a chance to give a refund or challenge the potential chargeback before it turns into one.

Now the affidavit is sent out right away to the consumer and there is no recourse for consumers lying. We belevie 83% of all our chargebacks were transactions actually done by the consumer and then charged back because the claim " I didnt do it". We collect so much info but no signature no fight.

Not so with Mcc 5967 Adult merchants. MC and Visa now automatically chargeback after the letter is signed. They said too many merchants were giving credits to avoid chargebacks. I guess you cant offer a money back gaurantee anymore then.

You can then fight it and get only the original charge money back but the chargeback stands.

The problem is out of control.... hence the new Verified by Visa solution which will require a pin number (virtual signature) when using your card.. This should help chargebacks on the initial charge but not the rebills..

pornjudge · 10-10-2002, 07:09 AM

Quote:

Originally posted by Amputate Your Head

lol.... too many parking tickets gets ya on the TMF list huh.....

LOL, To many parking tickets for me also, lol.... going offshore also

MikeyBoy · 10-10-2002, 07:58 AM

lol nobody is gonna use that shit
and epoch u can go fuck yourself too

lol talked to my rep last nite

yes michael you will have to register in the us

lol is this a joke

PSWBilling you're getting all my biz now

and for other Europeans
Check out
www.dutchbilling.com partner firm of verotel
www.visionbill.com danish cc processor only been up for some months but they seem solid.

Rochard · 10-10-2002, 08:08 AM

Seems pretty clear to me - Visa is following the money trail. They want to know who really owns the websites in question, and they want to know who gets the money at the end of the day.

steffie · 10-10-2002, 08:12 AM

Quote:

Originally posted by RocHard
Seems pretty clear to me - Visa is following the money trail. They want to know who really owns the websites in question, and they want to know who gets the money at the end of the day.

Knock Knock, who is there
Your stalker from the Internet

Knock Knock who is there
The IRS

Knock Knock who is there

psyko514 · 10-10-2002, 05:29 PM

maximus... you are correct, the problem is out of control. like you said, you estimate 83% of chargebacks are actually valid charges. now what about the other 17%? if we stop doing chargebacks for mcc 5967 et al, what happens to the 17% who were wrongly charged? they get shafted with the bill anyways? unfortunately, as long as customers are going to be dishonest, someone will get screwed. have you tried taking your chargebacks to arbitration, with logs/sign-up forms and all?

as for the verified by visa system... yes, that should help a lot, provided merchants choose to accept it. a lot of merchant worry addind an extra step will cause them to lose sales. the system is still in testing with a handful of merchants, but we will hopefully see something soon. as for chargebacks on rebils using Verified by Visa, we can apply the same clause that holds true with debit cards. if a transaction is done using your pin#, you're held responsible. when someone calls to dispute a charge saying it's not theirs, we look back at their account and see whether or not there are other charges from the merchant
so i look back on joe blow's account and i see he's already been charged by ccBill. He's obviously responsible for that charge as his pin was used. so i ask him if he has proof he cancelled the account within the proper time frame. if he cannot provide thise proof, he must pay for the charge.

what's valid proof to me? a confirmation number issued by the processor (i don't know if this is done) as we can check it with the processor. or a registered letter sent to the processor. or a cancellation confirmation letter sent by the processor.

personally, i'm pushing hard within my bank to reduce chargebacks on 3rd party processor charges by educating my co-workers on how they work.

btw, there's one thing you guys seem to forget, or that you don't know. a chargeback costs Visa as well. every chargeback we do costs us $25 cdn. also, the affidavit isn't sent immediately. the cardholder must first fax/mail us a dispute letter.

10-09-2002, 09:40 AM	#4
PornBroker Confirmed User Join Date: Sep 2002 Posts: 686	USA only... V __________________ please allow me to introduce myself, I'm a man of wealth and taste...I've been around for a long long year stolen many man's soul and faith...I was around when jesus christ had his moment of doubt and pain...made damn sure that pilate washed his hands and sealed his fate...pleased to meet you hope you guess my name...but's what's puzzling you is the nature of my game...

10-09-2002, 09:59 AM	#6
Hooper Confirmed User Join Date: Jul 2001 Location: A Free America Posts: 2,210	Maximus.. dont you think it might be appropriate to give copies of these documents to the webmasters using websitebilling? We would certainly appreciate receiving notification about items such as this. __________________ <a href="http://www.adultplatinum.com/"><img src="http://www.adult.com/wmbanners/10dcash-468x60.gif"></a>

10-09-2002, 10:08 AM	#9
Brown Bear Confirmed User Join Date: May 2002 Posts: 4,982	They want your Driver?s License Number? __________________ Surrender all your independent thinking and Click Here for re-programming.

10-09-2002, 10:44 AM	#13
Amputate Your Head There can be only one Industry Role: Join Date: Aug 2001 Location: Somewhere else Posts: 39,075	1. Hard to get a US drivers License # if you don't live in the US. 2. What if you DO live in the US, but don't drive? Gotta be a licensed driver to operate a porn site? __________________ SIG TOO BIG

10-09-2002, 10:56 AM	#15
Elephant_Gut Registered User Join Date: Oct 2002 Location: New Hampshire Posts: 70	fuck this registration bullshit. I'm movin' my ass offshore!! __________________ Elephant Gut Yes I got a big Gut Now Screw off!

10-09-2002, 08:46 AM	#1
Maximus Registered User Join Date: Jan 2002 Posts: 81	First look at New VISA Registration Form Here you go... the first look at the Visa Registration Form Any comments? http://www.websitebilling.com/visaregform.doc __________________ Maximus Websitebilling

10-09-2002, 09:20 AM	#2
ControlThy Confirmed User Join Date: May 2002 Posts: 1,909	Do they want a DNA sample with that?

10-09-2002, 09:22 AM	#3
tree Confirmed User Join Date: Nov 2001 Posts: 1,601

10-09-2002, 10:00 AM	#7
ColKurtz So Fucking Banned Join Date: Oct 2002 Location: Cambodia Posts: 596	<font size="7">..\|..</font>

10-09-2002, 10:05 AM	#8
The Machine Confirmed User Join Date: May 2002 Posts: 859	lol

10-09-2002, 11:05 AM	#16
TheFLY So Fucking Banned Join Date: Jan 2001 Location: http://www.thefly.net/ --- Quit your job and live off steady traffic. Posts: 11,856	Is this for the merchants to fill out or the surfers... ?

10-09-2002, 11:13 AM	#19
cherrylula lol Industry Role: Join Date: Jan 2002 Posts: 15,969	check sig bwahahahahahaha

10-09-2002, 12:15 PM	#21
Brown Bear Confirmed User Join Date: May 2002 Posts: 4,982	Why the hell would Visa want your drivers licence number? That is absurd! I have a drivers licence, but I can't see how that has anything to do with owning a porn site. This is just one more way to get big brother monitoring your every move. Would they also like me to have a GPS transmitter implanted in my body so they can track my location at all times? __________________ Surrender all your independent thinking and Click Here for re-programming.

10-09-2002, 12:39 PM	#25
Shoplifter Richest man in Babylon Industry Role: Join Date: Jan 2002 Location: Posts: 10,002 Posts: 5,726	It's actually not as bad as I thought. The only thing is what do foreign nationals without US DL and SSN do? I also wonder what Visa will make of all these new LLC's with no credit history. Last edited by Shoplifter; 10-09-2002 at 12:47 PM..

10-09-2002, 01:40 PM	#29
StacyCat Confirmed User Join Date: May 2002 Location: Texas Posts: 1,167	Okay, as of 3:40pm central time I have not recieved any e-mail from Websitebilling (my current processor) I recieved the e-mail last week, why no glimpse into what yall have?

10-09-2002, 02:04 PM	#30
Webby Too lazy to set a custom title Join Date: Oct 2002 Location: Far far away - as possible Posts: 14,956	What did you expect from VISA? Yea, I agree with you about renting a video as well and showing photo ID - fuck the US is messed... Next week we will have be issued with the new VISA credit and debit cards with micro chips containging your sperm count tests and linked to some GPS system - "for your own protection" of course

10-09-2002, 02:07 PM	#31
Webby Too lazy to set a custom title Join Date: Oct 2002 Location: Far far away - as possible Posts: 14,956	Can only say I sure as fuck am pleased I am actually "genuinely" offshore - could see problems like this coming for years now... sheesh!

10-09-2002, 03:05 PM	#33
andi_germany Confirmed User Join Date: Oct 2002 Location: Germany Posts: 768	So if you are a US citizen and lost your licence for some reason you are fucked?

10-09-2002, 05:19 PM	#34
CoolE Confirmed User Join Date: Jul 2002 Location: Canada Posts: 451	So I can't help but wonder how this will work for those of us who are international who are setting up US-based LLCs? Is "Principle #1" us or our LLC agent? If it is us then how will Visa react if we are offshore? And what will we put for SSN? If it is our LLC agent then we put his SSN? ?????????? All the uncertainty here is very, very, very bad.

10-09-2002, 11:48 PM	#35
psyko514 See sig. Join Epic Cash. Join Date: Oct 2002 Location: Montreal, Quebec. ICQ: 214702014 Posts: 22,366	they ask for your driver's license/ssn in order to do a credit check on you. you don't have to provide that information, but they don't have to approve your request if they can't properly check your credit history. as for the dude who forget to pay for his colombia house cds. if the account went to a collection agency, it'll appear on your credit history and can potentially negatively affect you. losing your driver's license cannot affect you negatively in regards to your credit history.

10-10-2002, 12:03 AM	#36
RockDaddy Confirmed User Join Date: Jul 2001 Posts: 750	Your DL# has nothing to do with a credit check. They just need your SS# for that. More than likely they are going to run background checks on each applicant. That's probably where some of the $750 is going.

10-10-2002, 12:10 AM	#37
psyko514 See sig. Join Epic Cash. Join Date: Oct 2002 Location: Montreal, Quebec. ICQ: 214702014 Posts: 22,366	dude, i work for visa and a good friend of mine works for the credit bureau. if they cannot run the credit check with your ssn, they use your driver's license. or they use both in case one provided is fake. a background check can be done just as easily with a ssn.

10-10-2002, 12:45 AM	#39
psyko514 See sig. Join Epic Cash. Join Date: Oct 2002 Location: Montreal, Quebec. ICQ: 214702014 Posts: 22,366	I am a customer service representative at TD Visa. I work a Mon-Fri 10:30-6:45 EST shift, assisting cardholders with their problems. Therefore, I have plenty of "off-time" to come on this board. I do not deal with the merchant aspect of Visa. Regardless, TD Visa is Canadian, and my understanding is these regulations apply to Visa USA only currently. If you require further proof, feel free to email me at psyko @ gmx . at. I'll give you the toll-free number for customer service, my name and my call centre. That way, you'll be able to call me and I can confirm my identity. BTW, the UN doesn't have a president. It has a Secretary-General (Kofi Annan). Think before you speak KimmyKim.

10-10-2002, 12:49 AM	#40
steffie Confirmed User Join Date: May 2002 Location: Somewhere in the Mountains, far far away Posts: 2,422	HMMM Ok,, well I can see lots of chargebacks now coming already when the wife opens the credit card statement and it says WSB - ESCORTSFORHIRE We are all doomed!! How about this one WSB - COCKFLASHER WSB - WIFETRADER WSB - CERTIFIEDSTUDS I am sorry as sad this might be, I do want to be at some dinner table where the wife goes "Hunny, I just noticed on our credit card statement WSB-ESCORTSFORHIRE.COM- COULD YOU FUCKING EXPLAIN YOURSELF and here are the divorce papers You told me the 24.95 per month was for Newsweek "No No hunny, thats a mistake I had a friend of mine, remember the single guy at work, he is the phone used my card because he forgot his in the car" Wife goes to phone rrrrrring rrrrrring WSB can I help you "We never charged this remove it NOW" Chargeback!!!!! (I know its not funny but) >>>>No running to find another billing company <<<<<<<<< btw, I am NOT with WSB its just an example, if I read correctly everybody is going to do that so in my case its gonna say CCbill or PSW __________________ Partying since '96 and not going anywhere Anna's Dorm Last edited by steffie; 10-10-2002 at 12:51 AM..

10-10-2002, 12:51 AM	#41
RockDaddy Confirmed User Join Date: Jul 2001 Posts: 750	Ok, I'll rephrase... In the many years I spent running credit reports, I've never seen nor used an option to pull the report by DL. Most credit apps, aka, credit cards etc.. don't ask for the DL, just the SS so if it is an option it seems like it would be a last resort and not very productive. Been many years since I've been in that industry. Either way, I'm sure you are right about them running credit reports, wouldn't be surprised if they did background checks to looking for "embezzelment" or crimes of that nature. RD

10-10-2002, 12:59 AM	#42
psyko514 See sig. Join Epic Cash. Join Date: Oct 2002 Location: Montreal, Quebec. ICQ: 214702014 Posts: 22,366	RockDaddy... perhaps the driver's license isn't used in the USA... but it can be used here in Canada. as for a chargeback, it's not as simple as you're making it sound. first of all, the cardholder (and not his wife) has to send us a signed letter stating they did not authorize the transaction(s). if the charge is then proved to be valid, they must pay. if not, it is charged back. so a chargeback is only issued when a processor does not prove the charge as being valid. and before it's charged back, the cardholder must then sign a legal affadavit restating the fact that he didn't authorize the charge. if at any time the processor or visa can prove the charge as being valid, the credit card will be redebited and the processor will be credited. this can have several consequences for the cardholder including the revocation of his card for fraud or even reporting fraudulent use of the card to the authorities (along with things like falsifying legal documents, etc)

10-10-2002, 02:19 AM	#43
Swap Registered User Join Date: Oct 2002 Posts: 25	psyko514 - so what kind of proof would you accept showing that the member did actual signup? Since this a "non card present" charge, then having the cvv2 would help? (signature is kind of hard with old out of date credit cards - would need smart cards to do that). Or is the real thruth that no matter what the merchant says his word means nothing, simply because his account is lable "ADULT merchant" in the visa system?

10-10-2002, 07:58 AM	#47
MikeyBoy Confirmed User Join Date: Apr 2002 Posts: 537	lol nobody is gonna use that shit and epoch u can go fuck yourself too lol talked to my rep last nite yes michael you will have to register in the us lol is this a joke PSWBilling you're getting all my biz now and for other Europeans Check out www.dutchbilling.com partner firm of verotel www.visionbill.com danish cc processor only been up for some months but they seem solid.

10-10-2002, 08:08 AM	#48
Rochard Jägermeister Test Pilot Industry Role: Join Date: Dec 2001 Location: NORCAL Posts: 74,027	Seems pretty clear to me - Visa is following the money trail. They want to know who really owns the websites in question, and they want to know who gets the money at the end of the day. __________________ “The choice is no longer between right or left. The choice is between normal and crazy.” - Sarah Huckabee Sanders YNOT MAIL \| THE BEST ADULT MAILING SOLUTION

10-10-2002, 05:29 PM	#50
psyko514 See sig. Join Epic Cash. Join Date: Oct 2002 Location: Montreal, Quebec. ICQ: 214702014 Posts: 22,366	maximus... you are correct, the problem is out of control. like you said, you estimate 83% of chargebacks are actually valid charges. now what about the other 17%? if we stop doing chargebacks for mcc 5967 et al, what happens to the 17% who were wrongly charged? they get shafted with the bill anyways? unfortunately, as long as customers are going to be dishonest, someone will get screwed. have you tried taking your chargebacks to arbitration, with logs/sign-up forms and all? as for the verified by visa system... yes, that should help a lot, provided merchants choose to accept it. a lot of merchant worry addind an extra step will cause them to lose sales. the system is still in testing with a handful of merchants, but we will hopefully see something soon. as for chargebacks on rebils using Verified by Visa, we can apply the same clause that holds true with debit cards. if a transaction is done using your pin#, you're held responsible. when someone calls to dispute a charge saying it's not theirs, we look back at their account and see whether or not there are other charges from the merchant so i look back on joe blow's account and i see he's already been charged by ccBill. He's obviously responsible for that charge as his pin was used. so i ask him if he has proof he cancelled the account within the proper time frame. if he cannot provide thise proof, he must pay for the charge. what's valid proof to me? a confirmation number issued by the processor (i don't know if this is done) as we can check it with the processor. or a registered letter sent to the processor. or a cancellation confirmation letter sent by the processor. personally, i'm pushing hard within my bank to reduce chargebacks on 3rd party processor charges by educating my co-workers on how they work. btw, there's one thing you guys seem to forget, or that you don't know. a chargeback costs Visa as well. every chargeback we do costs us $25 cdn. also, the affidavit isn't sent immediately. the cardholder must first fax/mail us a dispute letter.