Annoying aspect of processing!!!!

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  • Donnie Gangsta
    Confirmed User
    • Mar 2002
    • 1104
    #1

    Annoying aspect of processing!!!!

    Damn it.. This is the most annoying thing I have ever heard, in regards to cc processors (At least paycom).

    Did you guys know that when they run a card for a trial membership, they ONLY check to see if there is enough money to cover the cost of the trial! They don't even see if the surfer has enough money on their card to convert to month! You know how shitty that is for companies that pay per sign up? I was going thru my trial denials, and I have basically 2 denials for every 1 sale.. And most of the denials are for insufficient funds. Wtf??

    So, maybe someone can tell me why they couldn't just run the card for 39.95 or whatever when they first signed up for a trial, just to see if they even have enough money to afford the conversion/recurring price?

    I don't see how anyone with any common sense would do fail to do that.. ! Especially for free trials. This is just giving someone access to my members area and chewing my bandwidth, and more importantly, causing me to have to pay webmasters $30 per free trial for transactions that don't even fucking have any chance of being approved.

    Bah.. anyway, just wanting to vent.
    Tags: None
    • Shoplifter
      Richest man in Babylon
      • Jan 2002
      • 5850
      #2
      Because the guy is just buying the trial.

      If they authorize for the full amount it will reserve that amount out of the guys limit for 2 or 3 days. If he finds out he will complain to his bank for sure.
      I Like Blondes

        Comment

        • Donnie Gangsta
          Confirmed User
          • Mar 2002
          • 1104
          #3
          No...

          Let me give an example.

          When you buy gas from a gas station using your credit card to pay, your card is authorized for $50 on average.

          It doesn't necessarily bill you $50, but just authorizes for that much. You aren't billed until you actually hang the pump up.

          Same situation.

            Comment

            • SleazyDream
              I'm here for SPORT
              • Jul 2001
              • 41470
              #4
              solution - don't do trials!
              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.

                Comment

                • sweetcuties
                  Confirmed User
                  • Feb 2002
                  • 5859
                  #5
                  People still use trials in this biz? lol

                    Comment

                    • Shoplifter
                      Richest man in Babylon
                      • Jan 2002
                      • 5850
                      #6
                      Originally posted by Donnie Gangsta
                      No...

                      Let me give an example.

                      When you buy gas from a gas station using your credit card to pay, your card is authorized for $50 on average.

                      It doesn't necessarily bill you $50, but just authorizes for that much. You aren't billed until you actually hang the pump up.

                      Same situation.
                      That's my point. At the gas station I understand I am being authorized for up to $50. I expect that credit to be held.

                      If I buy a $4.95 subscription and I am authorized for $40 it is not appropriate. If the surfer goes to the mall the next day and is declined because he has been authorized without his knowledge
                      then it is a complaint for sure. It is probably against CC policy as well.
                      I Like Blondes

                        Comment

                        • Donnie Gangsta
                          Confirmed User
                          • Mar 2002
                          • 1104
                          #7
                          Yeah.. fuck it. Just going to do my own processing. I have enough volume to do so. Anyone know any banks?

                            Comment

                            • mpegposter
                              Confirmed User
                              • Dec 2002
                              • 483
                              #8
                              I doubt you'll find any US banks that do high-risk adult. I believe they all stopped doing it. But if you give me some contact info I can put you in touch with the right folks.
                              The voice of the Moral Minority.

                              New Sponsor Converting Like Hell!

                                Comment

                                • Carrie
                                  Confirmed User
                                  • Apr 2002
                                  • 3162
                                  #9
                                  It is my experience that at gas stations, there is a $1 check-and-hold put onto your card, not $50.
                                  My bank account came up $4 short one time and when I called and asked about it, the rep was able to point out 4 separate occasions that month where I had used the card for gas and then explained to me the $1 hold rule.
                                  It falls off after a few days... but not quickly enough for those 3-day-that-are-really-48-hours-trials to get smacked on there.

                                    Comment

                                    • Donnie Gangsta
                                      Confirmed User
                                      • Mar 2002
                                      • 1104
                                      #10
                                      It doesn't have to be a US bank I don't give a fuck

                                      Just email me at [email protected]

                                      Would appreciate it

                                        Comment

                                        • rowan
                                          Too lazy to set a custom title
                                          • Mar 2002
                                          • 17393
                                          #11
                                          I think what you're referring to is called a pre-auth (from memory). It's a charge for an arbitrary amount, but the transaction is never processed to completion - so the charge disappears completely within a few days.

                                          The catch, as shoplifter points out, is that it's still a charge, so it will reduce the card holder's limit for those few days. For people who have cards that are linked to their bank account (like a visa debit, or visa checking I think it is in the USA), they lose *real* money from their bank account for those few days.

                                          I don't think there is a way to do a passive query along the lines of "would a transaction for $X succeed at the moment?"

                                          I have a visa debit, and was pretty shocked to find a $50 charge on my online statement immediately after entering my card details for a $1 ifriends verification charge... that's when I had all this explained to me.

                                          HTH

                                            Comment

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