ACH Suggestions wanted - GoFuckYourself.com

ACPay Mac · 12-10-2002, 03:38 PM

Hi, all. I'm looking for advice, so I hope you won't consider this a spam.

Here's the deal. AC Pay is just about ready to start accepting online checks. Processing the checks is no problem, but we have to decide how we're going to deal with declines (which are pretty steep with checks).

Option 1: Let 'em all in if everything looks valid--immediately give the user a Member ID and access to the site they joined. Upside: This keeps people from bailing, reducing abandonment. Downside: This lets in a bunch of people who will later (in one or more days) be declined, and they could download all the content in your paysite for free, effectively, before we boot them.

Option 2: Tell the user up-front that they will get access once their transaction has been approved. This is what we do for AC Gold. Upside: ZERO declines. Downside: You may lose some members who want it now (though if you have an alternative payment mechanism like PayPal, they may just move to that).

Option 3: This would be where you can get creative and suggest something else if you're feeling really crafty.

Allright--I'm off to the "Metal MP3s" thread, because the Slayer CD in my car is a little played out and I need to burn something new.

Thanks a lot!

Cormac

m0rph3us · 12-10-2002, 03:46 PM

Quote:

Originally posted by ACPay Mac
Hi, all. I'm looking for advice, so I hope you won't consider this a spam.

Here's the deal. AC Pay is just about ready to start accepting online checks. Processing the checks is no problem, but we have to decide how we're going to deal with declines (which are pretty steep with checks).

Option 1: Let 'em all in if everything looks valid--immediately give the user a Member ID and access to the site they joined. Upside: This keeps people from bailing, reducing abandonment. Downside: This lets in a bunch of people who will later (in one or more days) be declined, and they could download all the content in your paysite for free, effectively, before we boot them.

Option 2: Tell the user up-front that they will get access once their transaction has been approved. This is what we do for AC Gold. Upside: ZERO declines. Downside: You may lose some members who want it now (though if you have an alternative payment mechanism like PayPal, they may just move to that).

Option 3: This would be where you can get creative and suggest something else if you're feeling really crafty.

Allright--I'm off to the "Metal MP3s" thread, because the Slayer CD in my car is a little played out and I need to burn something new.

Thanks a lot!

Cormac

what would the waiting time be for option #2 ?
I kinda like #2

The Dawg · 12-10-2002, 05:20 PM

Yea #2 sounds good - those return checks are a bitch!

Shoplifter · 12-10-2002, 05:28 PM

ACPay guy...Can ACPay split affiliate pay ratios. Say give affiliates 100% of trials and 50% of rebills?

Pornwolf · 12-10-2002, 05:57 PM

Doesn't ACPay offer cascading billing? If so which processors does it use?

drops · 12-10-2002, 06:00 PM

Put Burt and Cory back in site review

JFK · 12-10-2002, 06:15 PM

Quote:

Originally posted by drops
Put Burt and Cory back in site review

m0rph3us · 12-10-2002, 06:15 PM

Quote:

Originally posted by Pornwolf
Doesn't ACPay offer cascading billing? If so which processors does it use?

acpay IS a processor no? don't they use adultcheck's merchant ?

SunTzu · 12-10-2002, 08:03 PM

Cormac, nice to see a processor ask for suggestions

I've been hoping one of the bigger processors would do a better job at check processing. Something has got to be better than the "lets cash it and see if it bounces" method of check verification.

Why not use a combination of #1 and 2.. Try doing real-time verification of checks using Experian and StarCheck and offer instant access for those. Then for any checks that can't be verified, hold them until they clear.

SunTzu · 12-11-2002, 02:31 PM

Cormac, any update as to how AC Pay is going to do ACH joins?

BJ · 12-11-2002, 02:32 PM

Quote:

Originally posted by SunTzu
Cormac, nice to see a processor ask for suggestions

I've been hoping one of the bigger processors would do a better job at check processing. Something has got to be better than the "lets cash it and see if it bounces" method of check verification.

Why not use a combination of #1 and 2.. Try doing real-time verification of checks using Experian and StarCheck and offer instant access for those. Then for any checks that can't be verified, hold them until they clear.

netbilling does experian and starcheck but as far as I can tell it doesnt work. I have pending transactions that are 3 weeks old.

12-10-2002, 05:57 PM	#5
Pornwolf Drunk and Unruly Join Date: Jan 2002 Location: Hollywood Posts: 22,712	Doesn't ACPay offer cascading billing? If so which processors does it use? __________________ I've trusted my sites to them for over a decade... Webair, bitches.

12-10-2002, 06:00 PM	#6
drops Confirmed User Join Date: Feb 2002 Location: So. Cal. Posts: 1,116	Put Burt and Cory back in site review __________________ <img src=http://porndollar.com/webmasters/banners/porndollar/120x60_25_pd.gif border=0><br>$84 Per Signup \| $25 Per Free Signup \| $20 Per Cross Sales \| Credits On Exits \| Paid Weekly <br>Contact Info. http://porndollar.com/support.html

12-10-2002, 03:38 PM	#1
ACPay Mac Registered User Join Date: Jun 2002 Location: Sherman Oaks, CA Posts: 20	ACH Suggestions wanted Hi, all. I'm looking for advice, so I hope you won't consider this a spam. Here's the deal. AC Pay is just about ready to start accepting online checks. Processing the checks is no problem, but we have to decide how we're going to deal with declines (which are pretty steep with checks). Option 1: Let 'em all in if everything looks valid--immediately give the user a Member ID and access to the site they joined. Upside: This keeps people from bailing, reducing abandonment. Downside: This lets in a bunch of people who will later (in one or more days) be declined, and they could download all the content in your paysite for free, effectively, before we boot them. Option 2: Tell the user up-front that they will get access once their transaction has been approved. This is what we do for AC Gold. Upside: ZERO declines. Downside: You may lose some members who want it now (though if you have an alternative payment mechanism like PayPal, they may just move to that). Option 3: This would be where you can get creative and suggest something else if you're feeling really crafty. Allright--I'm off to the "Metal MP3s" thread, because the Slayer CD in my car is a little played out and I need to burn something new. Thanks a lot! Cormac

12-10-2002, 05:20 PM	#3
The Dawg Confirmed User Join Date: Apr 2002 Location: State Of Bliss Posts: 2,438	Yea #2 sounds good - those return checks are a bitch!

12-10-2002, 05:28 PM	#4
Shoplifter Richest man in Babylon Industry Role: Join Date: Jan 2002 Location: Posts: 10,002 Posts: 5,728	ACPay guy...Can ACPay split affiliate pay ratios. Say give affiliates 100% of trials and 50% of rebills?

12-10-2002, 08:03 PM	#9
SunTzu Confirmed User Join Date: May 2002 Location: the box Posts: 456	Cormac, nice to see a processor ask for suggestions I've been hoping one of the bigger processors would do a better job at check processing. Something has got to be better than the "lets cash it and see if it bounces" method of check verification. Why not use a combination of #1 and 2.. Try doing real-time verification of checks using Experian and StarCheck and offer instant access for those. Then for any checks that can't be verified, hold them until they clear.

12-11-2002, 02:31 PM	#10
SunTzu Confirmed User Join Date: May 2002 Location: the box Posts: 456	Cormac, any update as to how AC Pay is going to do ACH joins?