Check Signups
 

This has to stop, today I got almost $700 in returned checks!

Any solution other then just yanking this option?

The numbers of returned checks are growing daily (and no its not affiliate fraud in my case)

Any Ideas? I would hate to remove the check option but I need a more secure solution, this is not a joke.

I also promote someone who uses iBill and almost every check signups is revoked.

We had the same problem with checks. We're now looking at WTSBank/ACHDebit because they seem to have more through methods in place for verifying checks. Most notably an in house collection agency and instant account validation at some banks.

I've been having the same problem with checks recently.

Until a solid check card/debit card billing system is in place, I have completly removed the join by check option from all my sites.

Check signups are ridiculous. None of the information required is private. I could sign up to any site, as anyone whose check I happen to have *seen*. I think something like 20% of my check signups we're fraud. I bagged it, and people just signed up with credit cards. It meant making more money, so it was a no-brainer.

I woke up this afternoon to over $100 in check returns as well! Hooray! :thumbsup

screw checks. we quit taking them altogether almost two years ago, were seeing 70-90% of them returned as bad or fraudulent... not worth the burned bandwidth, not for the rare good transactions... sorry to hear Biz, $700 worth of them at once is rough on the days numbers..! :(

Hey hon, drop me a line when you get a sec (
email ).

As for everyone not using checks at all?!?! Why are you leaving money on the table?! There's a reason all the TOP DOGGS use us, they make more $$$!

Dare to compare.... we are the ACH innovators after all.:winkwink:

Info for: 919140-0000 Date Range: 2002-12-13 to
Site Location: Transactions help

Title Quantity Amount

SubAccount: 0000 New Recurring Sales 635 15,695.25
New Regular Sales 176 12,311.20
Rebilling Customers 600 14,970.00
Refunds 6 194.70
Returns 317 9,534.15
Subaccount Signup Totals 811 42,976.45

Almost $10,000 is FRAUD

Well what you could do is hold the membership until the check clears. If the surfer's really horny he'll pull out his credit card and if he's a fraud he'll leave.

anyone on netbilling's 3% check fee processing?

i'm thinking of moving all of our check processing to them.

pls give me your opinion on them if you use netbilling.

thanks!

check sucks, i have about 50% returned

We've used WTS for about 3 years now.. very satisfied.


good technical support guys too.

I use globill and dont give access before check clears.

Do i loose signups?

Definitely all the bouncing checks:Graucho

within your password protection script

permanently disable or suspend the usernames of fraudulent cheque subscribers - set your ip threshold very low

often is is the same people doing it over and over again

likely password sites among them

IKve tried it all.. to having IP's banned to you name it. I finally just pulled checks as a form of payment. They have been gone for about a month. Most everyone that signs up with a check is a scammer. If you have a decent and legit checking account, you have an ATM card. Why would a guy that was NOT trying to scam you use a check if he has an ATM?

Pull the checks.... you wont even miss them... We didnt!

We used ATS and Electracash for awhile., Both are great companies for check processing. However, we recently switched our checks to Netbilling (since we do our credit card there too). They charge less than anyone else and have good check scrubbing. Our returns are less than 20% for the past 2 months. I highly recommend them.

Sputter

Don'T use fucking check .. its the end of your trouble ..
:thumbsup

EscortBiz,

Don't you use CCbill for processing? I can use any valid routing # and get into any CCbill members area just making up an account #. They have no scrubbing or authentication on checks. You should look into other options.

Same problem with CCBill also. I think you need an actual routing number though. Very easy to get in. I think all checks need to be redone and come up with something in real time. Is Electracash any good? I need something to work with MPA2 program?

Thanks,
Mark

I think MAP2 is setting up Netbilling. Ask them. I want to use MAP2 I think but need Netbilling supported as well. Electracash is good but Netbilling is better and cheaper. That is just my opinion.

Sputter

I yanked our checking option four months ago and never missed it. I think word is out particularly among high school punks that online checks are an easy way to get free access to participating adult sites for about 2 banking days. Just enter any fucking info you want that looks of the right general format and you are in. I didn't just yank it out of principle and to save bandwidth and to protect my content, but also to show due diligence and keep minors out of my site.

Like a lot of things on the net, it was effective only when it was new.

Start with protecting yourself from non-US IP's, if they're not in the USA, they shouldn't see the check buttons.

For example IP's starting with 202 203 210 218 and 61 are from far east. 194 and 195 are from Europe.. There are several IP indexes on the net.

When we started accepting checks on our paysite a couple of years back we found after three months that every check sign-up bounced so we just pulled it.

AFAIK hiding the check option based on IP #s is just a waste of time because only people within the US can sign-up with checks.

We're with the guy who suggested that if they have a check account then they have plastic so you're not losing anything by ditching checks.

Actually you should talk to some of the girls you advertise - I bet they don't take checks ........ for obvious reasons. It's just one of those things in the escort biz.

I still think that the check option is nice. It keeps cc chargebacks down due to all fraud users take the easy route. I can ndle the the 30 to 40 % that are bad. I still make money. I think that someone who fraudulently uses checks will also fraudulently use credit cards and that would hurt me way more than the checks.

This is not correct. Everyone who got paid by a check of an US citizen or bank account holder can use that info to sign up even if he is in Asia. So blocking those people is a good idea although you might also block Americans that live in those countries.

Of course - I see what you mean now - it's late and I'm just about out of chocolate so my brain is a bit on the dead side right now :)

Check SUX :321GFY

We have a lot of returned/revoked checks last two months with CCBill especially.

Where is the hell Mitch from Netbilling? He always answer

everybody wants free porn no matter how can get it!
that's why dialers are for! fuck checks!

Master_Yoba,

I'm here... for a few minutes anyway.

How can I help you?

Mitch

Must sleep now. Post here or email me at: [email protected]
I will answer in the morning PST.

Thank you, Mitch Farber

it's mostly not real fraud... it's fuckers signing up.. jacking off to your shit for a month or two then calling the processor and saying it wasn't them that signed up... so they have to give them money back to keep charge backs low. Nothing the processor can do.. because of visa and their new strict ass shit :mad:

BluMedia - ElectraCash has been implemented with MPA2 for quite some time now and it is working really well for both us and them. None of our clients using MPA2 have mentioned any problems with returned checks so far. :-)

Oystein,

Electracash is great but they do charge about 50% more than we do for check processing.

Thank you, Mitch Farber

I emailed ElectraCash about a week ago with no response. I really like the customer service Mitch provides just on the boards and would rather go with NetBilling. I hope the MPA2 works with NetBilling soon. =)

Mark

Blumedia,

Thanks for the compliment. Please ejail me your contact information so I can let you know when Mansion is done.

[email protected]

Thank you, Mitch Farber

I've seen returned checks as high as 30% but rarely more than 15% or so... but people don't really use them much to begin with.

Ejail?

The virtual prison.

:winkwink:

Mitch

is that for the bad checks?

Sorry I came to this thread so late, I spend so much time signing and implementing new clients, I don't always have time for the boards.

Electracash would be happy to have Mitch and netbilling define why his service is any better than ours. You see there are a limited number of ways to gain account information to scrub checks, and any good company in the ACH industry is using the same ones. "Real Time Account Verification" is simply StarCheck, and any company can use them, and anyone can tell you they only hit maybe 40% of the ACH Universe.

On price, feel free to call and we'll tell you the real story.

Any and all of the Services offered are duplicated by both companies.

Scrubs, upsells, cross sells, private labeled interfaces, loyalty programs, cascading billing, inhouse redeposit, inhouse collections, third party collections that you get 100% of your billing from, Direct Deposit for Affiliate programs. AND ISO agreements that payout to WebMasters who refer us business.

And anyone who emails me gets a call back, personal and personalized service, always.

Sorry if this looks like spam, but when people start throughing around the we're better than they are crap, it kind of rubs.
Fitz

LOL... great comeback!

Mitch

GloBill has an option that denies access until the check clears. It's not convenient fot members because they don't get instant access...which is clearly spelled out. For that reason, I don't get a lot of check signups, but frankly, I'm happy about that.

Brutal

Hi Fitz,
Sounds like you are attacking me? Where do you see that I said that we we are better? I have alot of respect yfor you guys and know you provide a great service, like ours.

Mitch

I think all he said is it's cheaper. He never said better.

Anyway, my experience with check processing was that it lost more money than it made. Give me a creditcard processor or a dialer anyday, but check processing is a losing proposition.

Gripcash,

I did say cheaper.... not better. I do not know enough about their system to comment like that.

With the proper verification methods and scrubbing, checks can be very lucrative and convert and retain very well.

Mitch

Just speaking from my experience. I took it down. It's something I'd bring it back if either a) the processors guaranteed the checks (i'd be willing to pay much higher fees to have that) or b) the processors were able to actually verify that the funds are available. (Instead of sometimes being able to verify.)

Not saying it can't make money. It just didn't seem to for me. :2 cents: