Billing companies. - GoFuckYourself.com

AaronM · 10-26-2009, 01:32 PM

Can somebody please explain to me why some companies charge a $750.00 Visa fee plus yearly fee and others don't?

As I recall, we were told years ago that Visa requires certain things so why is it that not all billing companies are charging this? Why are the other companies still in business without Visa shutting them down etc...?

Have we all been hoodwinked or are the other billing companies the crooked ones?

Somebody is doing something wrong...Who is it?

VirtualAdultAgent · 10-26-2009, 01:36 PM

i think (not 100% on this) that zombaio was paying the visa fee for their us clients, think they said that in one of their threads

Sly · 10-26-2009, 01:38 PM

What ones aren't requiring payments and what countries are they located in?

Deej · 10-26-2009, 04:29 PM

I too have wondered this...

I think its bullshit that some "require" it and some dont.

Has made me wonder who is right as well.... but it sure as shit looks like someone is just watching visa do it and think they might as well make a initial lump sum as well.

TisMe · 10-26-2009, 04:50 PM

I think some companies eat the fee themselves for new clients and others are in different Visa "zones", only in the US zone was this fee required.

mmcfadden · 10-26-2009, 05:00 PM

Quote:

Originally Posted by TisMe

I think some companies eat the fee themselves for new clients and others are in different Visa "zones", only in the US zone was this fee required.

I am looking for a backup processor that will either offer to pay the fee or not require it. I sure don't feel like dumping $650, $700, $750 for the first year of visa and every year there after pay for secondary processing. I have many declines outside the US and also there are people who have other cards then VISA.

So, if there are any processors who can hook up what i mentioned above i'm all ears as well. Also, why are the fees different from processor to processor anyways? What does VISA actually ask for?

TheDoc · 10-26-2009, 05:11 PM

U.S. VISA Requires the fee.... If the processor is U.S. based and doing legit business, someone is registering the companies and paying the fees.

starpimps · 10-26-2009, 05:15 PM

i beleive eu biller= no visa fees.

mmcfadden · 10-26-2009, 05:17 PM

Quote:

Originally Posted by TheDoc

U.S. VISA Requires the fee.... If the processor is U.S. based and doing legit business, someone is registering the companies and paying the fees.

If you want to process VISA in the US. If not, you use mastercard and whatever other card accepted minus visa and Visa and all other cards in other countries.

Sorry to hijack the thread but still looking for a good processor in my original response and the responses are related to the OP.

Sly · 10-26-2009, 05:23 PM

Quote:

Originally Posted by mmcfadden

I am looking for a backup processor that will either offer to pay the fee or not require it. I sure don't feel like dumping $650, $700, $750 for the first year of visa and every year there after pay for secondary processing. I have many declines outside the US and also there are people who have other cards then VISA.

So, if there are any processors who can hook up what i mentioned above i'm all ears as well. Also, why are the fees different from processor to processor anyways? What does VISA actually ask for?

I'm pretty sure it's $350 a year after the first year, not $750.

If you are running an American company, I don't really see anybody willing to chip in and pay for your visa fees to get your secondary processing unless you are pushing some heavy volume. Though since you aren't terribly concerned about visa, you can run MasterCard through CC Bill with no set up and I'm pretty sure you can with Epoch as well.

mmcfadden · 10-26-2009, 05:32 PM

Quote:

Originally Posted by Sly

I'm pretty sure it's $350 a year after the first year, not $750.

If you are running an American company, I don't really see anybody willing to chip in and pay for your visa fees to get your secondary processing unless you are pushing some heavy volume. Though since you aren't terribly concerned about visa, you can run MasterCard through CC Bill with no set up and I'm pretty sure you can with Epoch as well.

I use CCbill and would like a secondary to that. Looking for a backup to see what type of percentage gets picked up.

I understand VISA is important but I was just told by a processor today that i had to pay $700 to signup for their processing, no exception, and $400 each year after.

My question is still two fold... what does VISA actually ask for because it varies and are there any good processors who would process as a backup initially w/out paying the ludicrous visa fee?

Riffhard · 10-26-2009, 05:46 PM

Verotel Ticket Club, based in Germany, does not charge a VISA fee. It doesn't charge any set-up fees at all actually. Once I have enough content for a paysite I'll most likely give them a go first.

BFT3K · 10-26-2009, 06:13 PM

I would instantly add Epoch and SegPay to my join page if it weren't for the two $750 Visa application fees. Two new billers = $1,500.

It makes no sense, especially since Visa already approved sites through the CCBill $750 application fee I already paid.

Peace · 10-26-2009, 07:07 PM

Quote:

Originally Posted by VirtualAdultAgent

i think (not 100% on this) that zombaio was paying the visa fee for their us clients, think they said that in one of their threads

are they good?

F-U-Jimmy · 10-26-2009, 07:11 PM

You may find that some USA processors will pay the fee for you the first year provided you can do the volume. If you only do 6 new sign ups a day you will end up paying a fee

mmcfadden · 10-26-2009, 07:14 PM

Quote:

Originally Posted by F-U-Jimmy

You may find that some USA processors will pay the fee for you the first year provided you can do the volume. If you only do 6 new sign ups a day you will end up paying a fee

thats sarcasm right?

NaughtyRob · 10-26-2009, 07:16 PM

Same here, right now I just have Zombaio as a backup.

Quote:

Originally Posted by BFT3K

I would instantly add Epoch and SegPay to my join page if it weren't for the two $750 Visa application fees. Two new billers = $1,500.

It makes no sense, especially since Visa already approved sites through the CCBill $750 application fee I already paid.

will76 · 10-26-2009, 11:24 PM

signed up with Zombaio and it cost me $0 and was approved and setup in a couple hours.

NETbilling · 10-26-2009, 11:43 PM

For US based merchant accounts, you must pay $500 to Visa yearly and $1000 to Mastercard. This is per merchant account, not per processor. This fee does not apply to offshore merchant accounts.

AaronM · 10-27-2009, 08:12 AM

Quote:

Originally Posted by will76

signed up with Zombaio and it cost me $0 and was approved and setup in a couple hours.

And what happens IF/WHEN Visa decides to shut them down and they keep your money?

Could that happen? That is exactly why I started this thread.

Why is it that the only billing company to respond is Netbilling and they addressed those with their own merchant accounts, not the companies charging the $750.00.

fatfoo · 10-27-2009, 08:21 AM

$750 - wow, that's a big fee...

AaronM · 10-27-2009, 08:24 AM

Quote:

Originally Posted by fatfoo

$750 - wow, that's a big fee...

Not really. And the fee is not what concernes me. I'm wondering about the risk of doing business with those who appear to be avoiding the fees....IF there really is any risk that is.

Well that and/or are we getting ripped off if we pay the fees.

area51 - BANNED FOR LIFE · 10-27-2009, 08:30 AM

Quote:

Originally Posted by fatfoo

$750 - wow, that's a big fee...

Fletch XXX · 10-27-2009, 08:34 AM

Quote:

Originally Posted by AaronM

Not really. And the fee is not what concernes me. I'm wondering about the risk of doing business with those who appear to be avoiding the fees....IF there really is any risk that is.

Well that and/or are we getting ripped off if we pay the fees.

Just stick with what works for you and helps you sleep at night

David! · 10-27-2009, 08:59 AM

Let's not forget that you must cover all your bases and not disregard traffic from countries where they don't usually use credit cards.
If you are not, then you are leaving money on the table.
If you are then you are maximizing your existing revenues without using extra resources.
Hit me up and I'll show you how you could increase your revenues without doing anything extra

AaronM · 10-27-2009, 09:19 AM

Quote:

Originally Posted by MCO_David

Let's not forget that you must cover all your bases and not disregard traffic from countries where they don't usually use credit cards.
If you are not, then you are leaving money on the table.
If you are then you are maximizing your existing revenues without using extra resources.
Hit me up and I'll show you how you could increase your revenues without doing anything extra

Take your shitty spam and get the fuck out of my thread.

4pleasure · 10-27-2009, 10:36 AM

Quote:

Originally Posted by Peace

are they good?

Zombaio works great on my sites!

David! · 10-27-2009, 10:49 AM

Quote:

Originally Posted by AaronM

Take your shitty spam and get the fuck out of my thread.

I'm sorry..... but hey, at least we are not charging any setup fees

AaronM · 10-27-2009, 11:19 AM

Quote:

Originally Posted by MCO_David

I'm sorry..... but hey, at least we are not charging any setup fees

If you were sorry, you would not have replied.

Once again...Fuck off.

corvette · 10-27-2009, 11:23 AM

Hi Aaron, hope you have been well. The reason for the $750 fee is that Visa has to check you out before they accept you (have you burned them in business before? That sort of thing) then the acquiring bank that the processor is using has to do the same check. Finally the processor is doing a check as well. Once the fee is paid there is no refund because they have already done their work. That is what you are paying for in the initial $750. The $375 annually is simply for the rights to continue to use Visa.

AaronM · 10-27-2009, 11:24 AM

Quote:

Originally Posted by corvette

Hi Aaron, hope you have been well. The reason for the $750 fee is that Visa has to check you out before they accept you (have you burned them in business before? That sort of thing) then the acquiring bank that the processor is using has to do the same check. Finally the processor is doing a check as well. Once the fee is paid there is no refund because they have already done their work. That is what you are paying for in the initial $750. The $375 annually is simply for the rights to continue to use Visa.

So what about the billing companies who don't charge those fees?

corvette · 10-27-2009, 11:33 AM

Quote:

Originally Posted by AaronM

So what about the billing companies who don't charge those fees?

sorry aaron, i can only comment on our practices, not other companies

jcsike · 10-27-2009, 11:38 AM

Quote:

Originally Posted by AaronM

So what about the billing companies who don't charge those fees?

you mean like globill, probilling?

count of monte cristo · 10-27-2009, 11:42 AM

Quote:

Originally Posted by VirtualAdultAgent

i think (not 100% on this) that zombaio was paying the visa fee for their us clients, think they said that in one of their threads

its right here, they are paying the fee for you

Quote:

Originally Posted by Zombaio_Tomas

No, we don't charge the $750 registration fee right now. We would have a hard time taking over smaller merchant if we did. The registration is on us for a while, maybe forever.

AaronM · 10-27-2009, 12:04 PM

Quote:

Originally Posted by jcsike

you mean like globill, probilling?

I mean like anybody who is not charging the fees.

I'm going to make the conclusion that any billing company who is represented on GFY and does not reply to this thread has something to hide.

mmcfadden · 10-28-2009, 08:16 AM

well this thread started real good. I for one am more confused now that before.

I never heard of Mastercard fee... $1000 as opposed to $500 Visa??

I know i'm not the only one in here that makes sales and would like secondary payment option to help decrease the decline percent but does not want to drop close to or above a K to make that happen.

Some names have been thrown in this thread... any feedback about those processors not discussed? It seems that several people use Zombaio with no problems yet.

AaronM · 10-28-2009, 08:27 AM

Quote:

Originally Posted by mmcfadden

well this thread started real good. I for one am more confused now that before.

I never heard of Mastercard fee... $1000 as opposed to $500 Visa??

I know i'm not the only one in here that makes sales and would like secondary payment option to help decrease the decline percent but does not want to drop close to or above a K to make that happen.

Some names have been thrown in this thread... any feedback about those processors not discussed? It seems that several people use Zombaio with no problems yet.

The key word being "yet."

Netbilling was referring to people using their own merchant accounts. Apparently they have different ruls than companies like CCBill and so forth.

People are concerned about the $750.00 saying that they can't or don't wish to pay it. So they sign up with another billing company who somehow avoids the fees. All seems well until one day that billing company goes under (I know...Billing companies are all solid and never go under or rip people off) and now those people who were concerned about wasting $750.00 end up with the possibility of losing considerably more.

I'm not saying this is going to happen but considering this thread has been up for a couple of days and most of the "alternative" billers have not responded, it makes me wonder.

Look at the thread title and tell me that they all overlooked it. If the title was "Looking for billing companies without Visa fees" then I think it's pretty safe to say they would have posted. To me, this speaks VOLUMES about those other companies.

Kiwigirl · 10-28-2009, 11:16 AM

I know I would rather pay the fee and work with a trusted billing company than go with a company which people feel the need to get recommendations for. And generally the recommendations you get are from 3-5 people. Do you really trust those 5 people? I suggest sticking with companies that have a reliable reputation and just pay the visa fee rather than kicking yourself in the ass later when wondering where the hell your check is cause the processing company has shot through and are spending your hard earned cash in Panama, Costa Rica or Thailand. LOL
Sorry, I just wanted to add my 2 cents being that I used a shady processor many many years ago when the visa fee was first introduced and they ran off with a bunch of my cash. Needless to say, I then got CCbill to process, paid the visa fee and have never had a problem since.
I will shut up now. LOL

AaronM · 10-28-2009, 02:05 PM

Quote:

Originally Posted by Kiwigirl

I know I would rather pay the fee and work with a trusted billing company than go with a company which people feel the need to get recommendations for. And generally the recommendations you get are from 3-5 people. Do you really trust those 5 people? I suggest sticking with companies that have a reliable reputation and just pay the visa fee rather than kicking yourself in the ass later when wondering where the hell your check is cause the processing company has shot through and are spending your hard earned cash in Panama, Costa Rica or Thailand. LOL
Sorry, I just wanted to add my 2 cents being that I used a shady processor many many years ago when the visa fee was first introduced and they ran off with a bunch of my cash. Needless to say, I then got CCbill to process, paid the visa fee and have never had a problem since.
I will shut up now. LOL

That's exactly the kind of thing that people should be aware of.

Thank you for sharing.

F-U-Jimmy · 10-28-2009, 02:27 PM

My understanding is that CCbill use their merchant account acting on your behalf and so Visa decided to make those charges to every webmaster using CCBILL, Epoch , etc.
Netbilling help you get your own merchant account and charge you for the use of their fraud system and gateway and set up fee which is different from CCbills fees. I suspect these fees for Netbilling are set by the CC companies or acquiring bank.
I recently set up 4 new merchant accounts for high risk sales. The set up fee was around $1500.00 each and I can accept Mastercard and Visa, but I have to buy my own scrubbing software and data base if I need them. My merchant accounts are based on my credit rating and previous accounts held. So everyones costs may differ somewhat ?

I wasn't being sarcastic when I said some companies may pay these costs for you if you had sufficient joins. As long as they can recoup their outlay in a reasonable time, its worthwhile. After all which billing company would turn down someone doing 20-100 joins a day for the initial cost of $750.00 ?

will76 · 10-28-2009, 03:32 PM

Quote:

Originally Posted by AaronM

And what happens IF/WHEN Visa decides to shut them down and they keep your money?

Could that happen? That is exactly why I started this thread.

LOL what happens? the same thing that happened when visa shut down ibill, globill, web800 etc... all got shut down. I lost my money.

\

NETbilling · 10-28-2009, 03:35 PM

Quote:

Originally Posted by F-U-Jimmy

My understanding is that CCbill use their merchant account acting on your behalf and so Visa decided to make those charges to every webmaster using CCBILL, Epoch , etc.
Netbilling help you get your own merchant account and charge you for the use of their fraud system and gateway and set up fee which is different from CCbills fees. I suspect these fees for Netbilling are set by the CC companies or acquiring bank.
I recently set up 4 new merchant accounts for high risk sales. The set up fee was around $1500.00 each and I can accept Mastercard and Visa, but I have to buy my own scrubbing software and data base if I need them. My merchant accounts are based on my credit rating and previous accounts held. So everyones costs may differ somewhat ?

I wasn't being sarcastic when I said some companies may pay these costs for you if you had sufficient joins. As long as they can recoup their outlay in a reasonable time, its worthwhile. After all which billing company would turn down someone doing 20-100 joins a day for the initial cost of $750.00 ?

Hi,

It is not smart to mange and have to store the data yourself, do your own scrubbing and provide your own customer service. YOu must be PCI compliant to do so and a breach could result in millions of dollars in fines. That is why we are here. Let me know if you want to see all that we offer.

F-U-Jimmy · 10-28-2009, 04:00 PM

Quote:

Originally Posted by NetBilling

Hi,

It is not smart to mange and have to store the data yourself, do your own scrubbing and provide your own customer service. YOu must be PCI compliant to do so and a breach could result in millions of dollars in fines. That is why we are here. Let me know if you want to see all that we offer.

Thanks for the offer, but i must be smarter than the average because over the last 10 years of having my own high risk merchant accounts ive had zero CBs And that includes accounts via First Data who i now avoid like the plague

DWB · 10-28-2009, 04:14 PM

What I want to know is...

Why does CCbill and Epoch bust balls about "Visa rules" and flag your site for the very same content or themes, that NON ccbill and epoch sites have. Seems if you have your own merchant account, you do what you want, and Visa doesn't say a word.

Confusing.

nekrom · 10-28-2009, 04:22 PM

Just to add if you are in the European region most times there are no visa fees even if you used the same processing company, but from the American region.

In the past I've used both ccbillEU and EpochEU with no visa upfront or ongoing fees.
Different visa regions, different rules I believe.

-N

F-U-Jimmy · 10-28-2009, 04:26 PM

Quote:

Originally Posted by nekrom

Just to add if you are in the European region most times there are no visa fees even if you used the same processing company, but from the American region.

In the past I've used both ccbillEU and EpochEU with no visa upfront or ongoing fees.
Different visa regions, different rules I believe.

-N

Thats correct i have accounts in a number of European countries with no fees at all. I should add i have companies in those countries.

Barefootsies · 10-28-2009, 09:57 PM

Quote:

Originally Posted by will76

signed up with Zombaio and it cost me $0 and was approved and setup in a couple hours.

Barefootsies · 10-28-2009, 10:04 PM

So much misinformation in this thread it's comical.

Quote:

Originally Posted by AaronM

And what happens IF/WHEN Visa decides to shut them down and they keep your money?

Could that happen? That is exactly why I started this thread.

Why is it that the only billing company to respond is Netbilling and they addressed those with their own merchant accounts, not the companies charging the $750.00.

VISA is not a merchant bank. VISA is the gateway.

Bring in KimmyKim to explain to you the processes of merchant account, 3rd part processors, zones, and legalities on VISA fee for U.S. based, and MC for EU based, etc..

To answer some other questions...

Verotel Tickets Club, no VISA fee, based in Netherlands.
Zombaio, no VISA fee, based in Sweden.
B-H-E, no VISA fee, based in the U.S..

There is a loop hole they go through for the no VISA fee. It has to do with 'control of content'. I am not going to waste my time explaining it, but if you read through their docs it is fairly evident in the differences.

Quote:

What I want to know is...

Why does CCbill and Epoch bust balls about "Visa rules" and flag your site for the very same content or themes, that NON ccbill and epoch sites have. Seems if you have your own merchant account, you do what you want, and Visa doesn't say a word.

Confusing.

Again, different merchant banks in the middle between the gateway, and you. Some merchant banks are more lax, and others more strict. Depending on their rules, and what country based out of.

amateurcanada · 10-28-2009, 10:05 PM

Quote:

Originally Posted by 4pleasure

Zombaio works great on my sites!

The name is so violent haha.

NaughtyRob · 10-28-2009, 10:32 PM

You can choose to get paid daily, weekly etc.

Quote:

Originally Posted by AaronM

And what happens IF/WHEN Visa decides to shut them down and they keep your money?

Could that happen? That is exactly why I started this thread.

Why is it that the only billing company to respond is Netbilling and they addressed those with their own merchant accounts, not the companies charging the $750.00.

10-26-2009, 01:32 PM	#1
AaronM Too lazy to set a custom title Industry Role: Join Date: Oct 2001 Location: ┌∩┐ ◣_◢ ┌∩┐ Posts: 46,909	Billing companies. Can somebody please explain to me why some companies charge a $750.00 Visa fee plus yearly fee and others don't? As I recall, we were told years ago that Visa requires certain things so why is it that not all billing companies are charging this? Why are the other companies still in business without Visa shutting them down etc...? Have we all been hoodwinked or are the other billing companies the crooked ones? Somebody is doing something wrong...Who is it?

10-26-2009, 01:36 PM	#2
VirtualAdultAgent Confirmed User Industry Role: Join Date: Aug 2009 Location: Florida Posts: 104	i think (not 100% on this) that zombaio was paying the visa fee for their us clients, think they said that in one of their threads __________________ Virtual Adult Agent Click Here To SAVE your exit traffic and INCREASE your sales by at least 10%

10-26-2009, 01:38 PM	#3
Sly Let's do some business! Industry Role: Join Date: Sep 2004 Location: Austin, TX Posts: 31,344	What ones aren't requiring payments and what countries are they located in? __________________ Vacares - Web Hosting, Domains, O365, Security & More - Paxum and BTC Accepted Windows VPS now available Great for TSS, Nifty Stats, remote work, virtual assistants, etc. Click here for more details.

10-26-2009, 04:29 PM	#4
Deej I make pixels work Industry Role: Join Date: Jun 2005 Location: I live here... Posts: 24,386	I too have wondered this... I think its bullshit that some "require" it and some dont. Has made me wonder who is right as well.... but it sure as shit looks like someone is just watching visa do it and think they might as well make a initial lump sum as well. __________________ Deej's Designs n' What Not Hit me up for Design, CSS & Photo Retouching Icq#30096880

10-26-2009, 05:11 PM	#7
TheDoc Too lazy to set a custom title Industry Role: Join Date: Jul 2001 Location: Currently Incognito Posts: 13,827	U.S. VISA Requires the fee.... If the processor is U.S. based and doing legit business, someone is registering the companies and paying the fees. __________________ ~TheDoc - ICQ7765825 It's all disambiguation

10-26-2009, 04:50 PM	#5
TisMe Confirmed User Join Date: Aug 2008 Posts: 1,719	I think some companies eat the fee themselves for new clients and others are in different Visa "zones", only in the US zone was this fee required.

10-26-2009, 05:15 PM	#8
starpimps Confirmed User Join Date: Sep 2006 Location: internets Posts: 6,954	i beleive eu biller= no visa fees. __________________ Teen Porn Models / Solo Girls

10-26-2009, 05:46 PM	#12
Riffhard Confirmed User Join Date: Jul 2009 Location: Tampa Bay, FL Posts: 659	Verotel Ticket Club, based in Germany, does not charge a VISA fee. It doesn't charge any set-up fees at all actually. Once I have enough content for a paysite I'll most likely give them a go first. __________________ Glad to be here. Glad to be anywhere.

10-26-2009, 06:13 PM	#13
BFT3K Too lazy to set a custom title Industry Role: Join Date: Dec 2005 Location: Narnia Posts: 10,764	I would instantly add Epoch and SegPay to my join page if it weren't for the two $750 Visa application fees. Two new billers = $1,500. It makes no sense, especially since Visa already approved sites through the CCBill $750 application fee I already paid.

10-26-2009, 07:11 PM	#15
F-U-Jimmy Confirmed User Industry Role: Join Date: Apr 2006 Location: Visiting a city near you soon ! Posts: 6,853	You may find that some USA processors will pay the fee for you the first year provided you can do the volume. If you only do 6 new sign ups a day you will end up paying a fee __________________ icq. 176240424 44.years as a pornographer !!!!!!!!!!!

10-26-2009, 11:24 PM	#18
will76 Making $$$$ w/ ClickCash Industry Role: Join Date: May 2003 Location: USA Posts: 18,037	signed up with Zombaio and it cost me $0 and was approved and setup in a couple hours. __________________ ICQ: 86364801 Email: will [at] innovativeassets [dot] com PROGRAM SHIT LIST - DO NOT PROMOTE (click link for gfy thread) FNCash \| Media Revenue

10-26-2009, 11:43 PM	#19
NETbilling Confirmed User Industry Role: Join Date: Jan 2002 Location: Huntington Beach, CA Posts: 8,588	For US based merchant accounts, you must pay $500 to Visa yearly and $1000 to Mastercard. This is per merchant account, not per processor. This fee does not apply to offshore merchant accounts. __________________ 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!

10-27-2009, 08:21 AM	#21
fatfoo ICQ:649699063 Industry Role: Join Date: Mar 2003 Posts: 27,763	$750 - wow, that's a big fee... __________________ Send me an email: [email protected]

10-27-2009, 08:59 AM	#25
David! By the wrath of Agamemnon Industry Role: Join Date: Apr 2004 Location: Miami Posts: 6,501	Let's not forget that you must cover all your bases and not disregard traffic from countries where they don't usually use credit cards. If you are not, then you are leaving money on the table. If you are then you are maximizing your existing revenues without using extra resources. Hit me up and I'll show you how you could increase your revenues without doing anything extra __________________ .

10-27-2009, 11:23 AM	#30
corvette Confirmed User Join Date: Oct 2001 Location: scottsdale Posts: 7,880	Hi Aaron, hope you have been well. The reason for the $750 fee is that Visa has to check you out before they accept you (have you burned them in business before? That sort of thing) then the acquiring bank that the processor is using has to do the same check. Finally the processor is doing a check as well. Once the fee is paid there is no refund because they have already done their work. That is what you are paying for in the initial $750. The $375 annually is simply for the rights to continue to use Visa. __________________ If you need a good company for check writing services, then check out checkissuing, and for webhosting, check out Phoenix NAP

10-28-2009, 08:16 AM	#36
mmcfadden So Fucking Banned Join Date: Oct 2008 Location: philly Posts: 5,099	well this thread started real good. I for one am more confused now that before. I never heard of Mastercard fee... $1000 as opposed to $500 Visa?? I know i'm not the only one in here that makes sales and would like secondary payment option to help decrease the decline percent but does not want to drop close to or above a K to make that happen. Some names have been thrown in this thread... any feedback about those processors not discussed? It seems that several people use Zombaio with no problems yet.

10-28-2009, 11:16 AM	#38
Kiwigirl Confirmed User Industry Role: Join Date: Mar 2005 Location: Florida Posts: 2,556	I know I would rather pay the fee and work with a trusted billing company than go with a company which people feel the need to get recommendations for. And generally the recommendations you get are from 3-5 people. Do you really trust those 5 people? I suggest sticking with companies that have a reliable reputation and just pay the visa fee rather than kicking yourself in the ass later when wondering where the hell your check is cause the processing company has shot through and are spending your hard earned cash in Panama, Costa Rica or Thailand. LOL Sorry, I just wanted to add my 2 cents being that I used a shady processor many many years ago when the visa fee was first introduced and they ran off with a bunch of my cash. Needless to say, I then got CCbill to process, paid the visa fee and have never had a problem since. I will shut up now. LOL __________________ KIWISOURCING OUTSOURCING WITH A TWIST!

10-28-2009, 02:27 PM	#40
F-U-Jimmy Confirmed User Industry Role: Join Date: Apr 2006 Location: Visiting a city near you soon ! Posts: 6,853	My understanding is that CCbill use their merchant account acting on your behalf and so Visa decided to make those charges to every webmaster using CCBILL, Epoch , etc. Netbilling help you get your own merchant account and charge you for the use of their fraud system and gateway and set up fee which is different from CCbills fees. I suspect these fees for Netbilling are set by the CC companies or acquiring bank. I recently set up 4 new merchant accounts for high risk sales. The set up fee was around $1500.00 each and I can accept Mastercard and Visa, but I have to buy my own scrubbing software and data base if I need them. My merchant accounts are based on my credit rating and previous accounts held. So everyones costs may differ somewhat ? I wasn't being sarcastic when I said some companies may pay these costs for you if you had sufficient joins. As long as they can recoup their outlay in a reasonable time, its worthwhile. After all which billing company would turn down someone doing 20-100 joins a day for the initial cost of $750.00 ? __________________ icq. 176240424 44.years as a pornographer !!!!!!!!!!!

10-28-2009, 04:14 PM	#44
DWB Registered User Industry Role: Join Date: Jul 2003 Location: Encrypted. Access denied. Posts: 31,779	What I want to know is... Why does CCbill and Epoch bust balls about "Visa rules" and flag your site for the very same content or themes, that NON ccbill and epoch sites have. Seems if you have your own merchant account, you do what you want, and Visa doesn't say a word. Confusing.

10-28-2009, 04:22 PM	#45
nekrom Confirmed User Industry Role: Join Date: Mar 2004 Location: Australia/Asia Posts: 921	Just to add if you are in the European region most times there are no visa fees even if you used the same processing company, but from the American region. In the past I've used both ccbillEU and EpochEU with no visa upfront or ongoing fees. Different visa regions, different rules I believe. -N __________________ Free Traffic