How Many Times Do You Try to rebill a Customer Card After It Declines? - GoFuckYourself.com

mahoney · 08-13-2008, 10:42 PM

How Many Times Do You Try to rebill a Customer Card After It Declines?
The problem that I see is... that for every time you attempt to rebill a customer and it declines it costs them an overdraft fee of approx $35.00 depending on the bank. This causes
an increase in charge backs because the customer is trying to avoid the overdraft fees
from the bank. However, to not attempt the card at least twice is hurting profit too right?
What is your policy?

Jon Clark - BANNED FOR LIFE · 08-13-2008, 10:53 PM

Why try to bill a broke fuck...? If he is broke the first time chances are he is tapped out the second round..

Chio · 08-13-2008, 10:57 PM

Zero .

After Shock Media · 08-13-2008, 11:01 PM

Do declines really cause people fee's?
I know I have had my card declined in past and never saw a fee on it for trying to use the card. Only time I have seen a fee is when they authorized it as an overlimit fee and paid the bill (thus it was not a decline) or if I was using a debit card and it went into my overdraft and thus again it was paid and approved, meaning not a decline either.

mahoney · 08-13-2008, 11:15 PM

Quote:

Originally Posted by After Shock Media

Do declines really cause people fee's?
I know I have had my card declined in past and never saw a fee on it for trying to use the card. Only time I have seen a fee is when they authorized it as an overlimit fee and paid the bill (thus it was not a decline) or if I was using a debit card and it went into my overdraft and thus again it was paid and approved, meaning not a decline either.

In my experience at least with (Bank Of America) if you have a recurring fee that normally debits your account and then fails...they charge you a $35.00 decline fee. Now...if you try and do that several times it can cost them over $100 bucks. You can only try to debit their account 3-4 times after removing them from your list.

punker barbie · 08-13-2008, 11:41 PM

*bump for answers*

Jon Clark - BANNED FOR LIFE · 08-13-2008, 11:46 PM

Quote:

Originally Posted by punker barbie

*bump for answers*

Varius · 08-13-2008, 11:49 PM

We used to try 4 times:

1 - The actual rebill date (Day 0)
2 - One day after rebill date (Day 1)
3 - Four days after rebill date (Day 4)
4 - One week after rebill date (Day 7)

While a small %, some people would renew successfully up to a week later. If your processor charges you decline fees though (some do, some don't) you have to measure those against your % success to see if it's worth doing.

I have never heard though in all my years involved with processors and IwantU of any decline fee passed on to a customer for credit cards...maybe you mean with recurring ACH (like a bounced check fee) ?

After Shock Media · 08-14-2008, 12:44 AM

Various I think they may be talking about debit cards instead of credit cards. Though most debit cards just reject without a fee if funds are not available.

Konda · 08-14-2008, 12:45 AM

I get complaints sometimes from customers that they have been charged for overdraft fees, but I think this is actually when you rebill a customer sucsesfully but he doesn't have enough money on his card (for example he has a 1000 limit, and already spend 980, but the 30$ still gets aproved and so he spend $10 too much and gets the overdraft fee)
So they have like a negative balance, and for that they get a fee.

So in the case of overdraft the customer actually does get rebilled.

If the customer gets declined, I don't think there area any fees for him. It only costs you money (the per transaction free from your gateway).

So it's worth it to try rebill the customer at least a couple of times after a decline.

Konda · 08-14-2008, 12:49 AM

http://en.wikipedia.org/wiki/Overdraft

So overdraft fees are not given for declined rebills. If they get charged an overdraft fee it just means the customers balance is in minus after you rebilled them (sucesfully). It probably happens with people that have a creditcard linked directly to their bank account. So they can have a 1000 limit in their card, but if they only have 800 in the bank account and spent the whole 1000, they are 200 in minus, and get charged the overdraft fee.

NETbilling · 08-14-2008, 10:05 AM

By default, we retry a declined rebill 1x after about a week. Some of our merchants have it set to a more aggressive schedule however.

Pete-KT · 08-14-2008, 10:08 AM

a decline does NOT cost a customer a fee, if there using a debit card and it over drafts then they get a fee, but DECLINES do not cost anything thats why it got declined

webmasterchecks · 08-14-2008, 10:40 AM

ive never heard of a credit card decline costing fees to the consumer, but to answer your question, you can set up to fatally decline certain responses, for instance "card reported stolen", "call bank", "no account located", etc responses, those that would never get processed no matter how many times you retry them

then for responses such "insufficient funds" or others that may be a temporary issue, you can retry after a certain amount of time like a week or so. I know on the mainstream side, they know days that are better at retrying those transactions, like fridays or around the 1st or 15th of the month.

on the adult side for instance, i think epoch has their system set up to retry on fridays

klinton · 08-14-2008, 02:05 PM

there is no decline fee afaik

mahoney · 08-14-2008, 11:14 PM

Quote:

Originally Posted by Konda

I get complaints sometimes from customers that they have been charged for overdraft fees, but I think this is actually when you rebill a customer sucsesfully but he doesn't have enough money on his card (for example he has a 1000 limit, and already spend 980, but the 30$ still gets aproved and so he spend $10 too much and gets the overdraft fee)
So they have like a negative balance, and for that they get a fee.

So in the case of overdraft the customer actually does get rebilled.

If the customer gets declined, I don't think there area any fees for him. It only costs you money (the per transaction free from your gateway).

So it's worth it to try rebill the customer at least a couple of times after a decline.

ok..thanks..that's the info I was looking for : )

Manowar · 08-14-2008, 11:22 PM

thanks for the Q's

Hansm · 08-22-2008, 01:02 PM

If you use a BAD DEBIT CARD yes you pay fees. But at the end of the story, the customer did not cancel his membership, So who is reponsibile for that? I think the customer and not the company.

08-13-2008, 10:42 PM	#1
mahoney Confirmed User Industry Role: Join Date: Nov 2003 Location: Las Vegas Nv Posts: 5,318	How Many Times Do You Try to rebill a Customer Card After It Declines? How Many Times Do You Try to rebill a Customer Card After It Declines? The problem that I see is... that for every time you attempt to rebill a customer and it declines it costs them an overdraft fee of approx $35.00 depending on the bank. This causes an increase in charge backs because the customer is trying to avoid the overdraft fees from the bank. However, to not attempt the card at least twice is hurting profit too right? What is your policy? __________________ Vegassexparty.com

08-13-2008, 10:57 PM	#3
Chio Confirmed User Join Date: Oct 2002 Location: ICQ: 39-183769 Posts: 8,002	Zero . __________________ I seo'd my hair yesterday and today it's pr7! RIP Texas Dreams Are you a content producer or program owner sick of tube sites? Contact me on ICQ: 39-183769

08-13-2008, 11:01 PM	#4
After Shock Media It's coming look busy Join Date: Mar 2001 Location: "Ph'nglui mglw'nafh Cthulhu R'lyeh wgah'nagl fhtagn". Posts: 35,299	Do declines really cause people fee's? I know I have had my card declined in past and never saw a fee on it for trying to use the card. Only time I have seen a fee is when they authorized it as an overlimit fee and paid the bill (thus it was not a decline) or if I was using a debit card and it went into my overdraft and thus again it was paid and approved, meaning not a decline either. __________________ [email protected] ICQ:135982156 AIM: Aftershockmed1a MSN: [email protected]

08-13-2008, 11:41 PM	#6
punker barbie Meow Meow!!! Industry Role: Join Date: Nov 2003 Location: San Diego, California Posts: 10,228	bump for answers __________________ Chaturbate Affiliate Support: [email protected]

08-13-2008, 11:49 PM	#8
Varius Confirmed User Industry Role: Join Date: Jun 2004 Location: New York, NY Posts: 6,890	We used to try 4 times: 1 - The actual rebill date (Day 0) 2 - One day after rebill date (Day 1) 3 - Four days after rebill date (Day 4) 4 - One week after rebill date (Day 7) While a small %, some people would renew successfully up to a week later. If your processor charges you decline fees though (some do, some don't) you have to measure those against your % success to see if it's worth doing. I have never heard though in all my years involved with processors and IwantU of any decline fee passed on to a customer for credit cards...maybe you mean with recurring ACH (like a bounced check fee) ? __________________ Skype variuscr - Email varius AT gmail

08-13-2008, 10:53 PM	#2
Jon Clark - BANNED FOR LIFE North Coast Pimp Join Date: Dec 2005 Location: 304-534-757 Posts: 9,395	Why try to bill a broke fuck...? If he is broke the first time chances are he is tapped out the second round..

08-14-2008, 12:44 AM	#9
After Shock Media It's coming look busy Join Date: Mar 2001 Location: "Ph'nglui mglw'nafh Cthulhu R'lyeh wgah'nagl fhtagn". Posts: 35,299	Various I think they may be talking about debit cards instead of credit cards. Though most debit cards just reject without a fee if funds are not available. __________________ [email protected] ICQ:135982156 AIM: Aftershockmed1a MSN: [email protected]

08-14-2008, 12:45 AM	#10
Konda ... Industry Role: Join Date: Apr 2003 Posts: 2,280	I get complaints sometimes from customers that they have been charged for overdraft fees, but I think this is actually when you rebill a customer sucsesfully but he doesn't have enough money on his card (for example he has a 1000 limit, and already spend 980, but the 30$ still gets aproved and so he spend $10 too much and gets the overdraft fee) So they have like a negative balance, and for that they get a fee. So in the case of overdraft the customer actually does get rebilled. If the customer gets declined, I don't think there area any fees for him. It only costs you money (the per transaction free from your gateway). So it's worth it to try rebill the customer at least a couple of times after a decline. Last edited by Konda; 08-14-2008 at 12:46 AM..

08-14-2008, 12:49 AM	#11
Konda ... Industry Role: Join Date: Apr 2003 Posts: 2,280	http://en.wikipedia.org/wiki/Overdraft So overdraft fees are not given for declined rebills. If they get charged an overdraft fee it just means the customers balance is in minus after you rebilled them (sucesfully). It probably happens with people that have a creditcard linked directly to their bank account. So they can have a 1000 limit in their card, but if they only have 800 in the bank account and spent the whole 1000, they are 200 in minus, and get charged the overdraft fee.

08-14-2008, 10:05 AM	#12
NETbilling Confirmed User Industry Role: Join Date: Jan 2002 Location: Huntington Beach, CA Posts: 8,588	By default, we retry a declined rebill 1x after about a week. Some of our merchants have it set to a more aggressive schedule however. __________________ 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!

08-14-2008, 10:08 AM	#13
Pete-KT Workin With The Devil Industry Role: Join Date: Oct 2004 Location: West Bloomfield, MI Posts: 51,532	a decline does NOT cost a customer a fee, if there using a debit card and it over drafts then they get a fee, but DECLINES do not cost anything thats why it got declined

08-14-2008, 10:40 AM	#14
webmasterchecks Confirmed User Join Date: Oct 2006 Location: Phoenix Posts: 1,685	ive never heard of a credit card decline costing fees to the consumer, but to answer your question, you can set up to fatally decline certain responses, for instance "card reported stolen", "call bank", "no account located", etc responses, those that would never get processed no matter how many times you retry them then for responses such "insufficient funds" or others that may be a temporary issue, you can retry after a certain amount of time like a week or so. I know on the mainstream side, they know days that are better at retrying those transactions, like fridays or around the 1st or 15th of the month. on the adult side for instance, i think epoch has their system set up to retry on fridays __________________ Webmasterchecks Affiliate Payments - fully compatible with nats/mpa3 Last edited by webmasterchecks; 08-14-2008 at 10:41 AM..

08-14-2008, 02:05 PM	#15
klinton So Fucking Banned Industry Role: Join Date: Apr 2003 Location: online Posts: 8,766	there is no decline fee afaik

08-14-2008, 11:22 PM	#17
Manowar jellyfish Join Date: Dec 2003 Posts: 71,528	thanks for the Q's

08-22-2008, 01:02 PM	#18
Hansm Confirmed User Join Date: Jun 2002 Posts: 871	If you use a BAD DEBIT CARD yes you pay fees. But at the end of the story, the customer did not cancel his membership, So who is reponsibile for that? I think the customer and not the company.