Canadian webmasters....ACPay now, Globill etc. to follow....what to do now?
 

ACPay gets hit by Visa, the other processors that haven't, will be.
So what to do? Bite the bullet and open a USA corporation? Or, wait and see if CCBill or another processor has a solution for the Canucks? If I had to pay the $750, it sure wouldn't be to ACPay. Epoch #1, Jettis #2, CCBill #3.

I think I might open a US merchant account and go through Netbilling. :glugglug

GloBill etc. told you this when?

The fact of the matter is, we are fucked.

The president of the coporation has to be a US citizen/resident so good luck with that.

Go through netbling or wait for a CCBill solution.

If/when I get some more solid information about the requirements to operate a US corproation I'll definitly be going with Netbilling.

However, everyone I ask gives me different info. Some say the EIN or whatever I'd get from a corp is enough to get Visa USA to approve me, others say I can't have any primary shareholders that are non-US residents with a SSN#, others say I can have Canadian primary shareholders but I need someone with a US SSN# to represent our application to Visa USA.

Wish someone would get their fucking facts straight and tell it like it is for once.

Edit: Aww shit, I just begged Mitch to show up, didn't I?

This is from corvette, he says the president of the US incorporation has to be a US citizen & resident. Thats for IPSP.

Netbilling can get it for you without a US incorporation but you need to be doing volume.

So now we add yet another one. The presdient, so I'm assuming that means the other primary shareholders don't matter.

See? NOBODY can give the shit like it is, everyone's got a different story to tell.

I discredited iBill's early on, since they seem to be the experts on nothing.

I trust Corvette & CCBill are the most likely to give the most accurate information on this.

Are you going to put assets south of the border without being a citizen and have no legal rights? Visa can always turn around later and change the requirements again anyways.

So you're saying that the 7 other billing companies I've talked to (CCBill included) are wrong.. K, Gotchya! Corvette is god! Sweet! (Hey, it'd be nice if he was actually right, then I'd have an answer)

If I have no other choice but to do so, I will do so because without being able to bill my customers, I'm not doing anything but spinning my wheels.

I don't want to say who it is, as it was one of the owners of a processor bigger the Globill. Basically he told me they could process Visa through their UK branch, but recommended I get a UK or US presence, soon. (this was in early January)
His response when I asked if I could process Visa through UK:
"Yes, but we would encourage you to begin the EU registration process ASAP"
Also, website billing (broke now so it doesn't matter) wouldn't process Visa for me unless I had a UK corporation set up.
It's only a matter of time before the other processors follow suit.

What is an EIN? We have two corporations, both in Canada though. Never heard of an EIN.

His answer makes the most sense. Whatever the "correct" answer is, it doesn't really matter as Visa will change this to whatever they want whenever they want.

Why not do netbilling?

If it helps any: in my decision process, I went with ProBilling over Globill... on the sole basis that since they were based in Canada, they would have the greatest sensitivity to fight against Visa the longest to protect Canadian processing accounts or find a solution (Canadian bank relationship maybe). I just hope they will be able to hold out the longest as a result of being a Canadian company. Wishful thinking I guess.

From what I'm told, you're issued an EIN (A corporation's equivilant to an SSN) which you can use as your tax ID for Visa USA. However everyone has a different story on if an EIN is enough.

p00p, I am in the exact same situation...... Just sent in my acpay paperwork and have globill as a backup....... I dont mind paying the 750 at all, its just frustrating that we cant get some of the better processors just cause we are Canadian.

I have to establish the 'proper' US presence that meets the requirements of Visa USA. However since I get a different story from everyone I don't know which direction to take or I would have months ago.

They're _in_ Canada, sure. They aren't a Canadian Company by any means, Hershie.

I thought you don't need a presnce for what they do because you are working with a bank and your own merchant account.

Confusing.

Depending on what route I take, I will find out. I've had the run-around in the past, too. Seemed like I was being charged for things left, right, and center. I was going to go with Netbilling years ago, but it was cheaper in the end to get dinged 15-20% by the processors I was using.

You need even more of a presence because not only do you have to meet Visa USA requirements you also have to meet the requirements of the aquiring bank.

Confusing doesn't even start to cover it. And of course Mitch stopped responding to me when I started to ask the questions that had to be asked. He hasn't gotten back to me yet. It's been months.

Haha...no kidding. We are stuck in the middle, and nobody has answers except to open a US corporation. I ain't fucking american!! :BangBang:

If you do get any solid information please share it with the class. I've been banging my head against a wall for months trying to find suitable solutions. All because we don't fly the red white and blue. Goooooo monopoly!

Oh,and Netbilling has the option for us to open EU corporations and aquire a merchant account from an EU bank. Unfortunately you're required to have a $50,000/monthly transaction volume sustained.

Unfortunately, JACT Content doesn't quite hit that yet. :Graucho

http://www.painseeker.com/fuck.jpg


Well, looks like Bank of Montreal isn't interested.

\


babhahahahahahaha

thats my bank :)

Very annoying...

I wrote to the Canadian Government ( Free Trade) and after 6 months they answered that they had transfered my complaint to the Ministry of Commerce . It has been about 2 months now. ( I have posted here the answer in another thread).

Maybe we should stop paying our taxes. That should at the least get us noticed ( if not sued...).

I did the US corp, processing with Ibill. Seems OK with no US Officers. I am ready if it becomes required ...

Complain to the GOV : they want PST-GST on our members for christ sake!

Curious about US corp. you can click my sig...

The bottom line is NOT that Visa or anyone else is discriminating against Canada.

Your OWN banks won't process for you, it's that simple. They want nothing to do with you since they don't see enough reward for the inherent risk.

And if your own banks wont process and you can't be properly acquired and settled, how is someone charging you 750 dollars US to do your acquiring? This makes no sense to me.

At this point, you should see the writing on the wall.

Unless a Canadian bank steps up to the plate, your choices are going to be to get qualified to process elsewhere or hang your hopes and your rebills on out of compliance aggregators.

It's that simple.

Yes, it sucks, but reality is more important that hope when it comes to credit card processing.

ProBilling is based in the U.K..not Canada.
And if you think Probilling is going to do something about the "situation"..well, damn...that's just too funny!
:1orglaugh

Well, they're operating from a little shed in Calgary, Alberta, Canada but they're registered in the UK. :1orglaugh

Can you outline the steps you had to go through? How much money did it cost, how long did it take?

I used the people in my sig.

I choosed a Delaware Corp. ( Some will say you are better with a Nevada one???).
I did it on line, took the package where they do all the filings.
Took about 5 days, cost me I think 450.00 ( maybe less, I really don't remember to the nearest dollar). Keep in mind that you have to pay every year your registrar ( 150.00) and the state ( Delaware is 50.00).

Then you send the EIN form ( form SS-4) and form W-8BEN (Certificate of foreign Status of Beneficial owner for United States Witholding).

You receive your package by DHL, supply the info to your processor, pay the 750.00 fee and you are set.

But, keep in mind as stated often here, that you could eventually need a US officer. It seems Nevada does offer that ( paid officers). I myself have a few close associates that could become shareholder and answer to the US Gov...

Really stinks, tough. I am still bitching at the gov. They already know me well, since I won a judgement on other ground in Supreme court...

I fucking pay taxes....

Good info, and thanks. If I go the route you did, I will use the link in your sig.

directfiesta, do you have to pay U.S. taxes on top of your Canadian taxes now that you are registered in the USA?

wow, i don't understand this at all, why are the canadian banks being such pussies, they don't want our money? do canadian banks have to risk more than american or UK? i don't get it. really fucking lame tho, guess i won't be able to open up a pay site now...

Not as a Canadian certainly.

But if you have the resources you can become compliant. Can the little guy do it? Maybe not. But if it is worth it to you, and you are committed it can be done.

And has AC Pay now denied their ability to process for Canadian entities?

Canadian here, incorporated in EU and will work with CCBillEU, Jettis and PSWBilling before using our own merchant account.

wait, i didn't read the whole thread, but let me get this strait...


you guys in canada can sell satellite dish parts that allow people to steal satellite tv, but can't process for porn?

We can also get really stoned and have sex with 14 year old girls. But remember - bondage is illegal.


Porn is right out - make sense now?

what? no.

That's right... and we can also pay for a hooker with Visa/Mc...
I used to do business with Internet Secure ( Nova Scotia Bank affiliate: after one year, they decided that our site was porn ( always was porn...) and cut us off on the spot.


pOOp , taxes are complicated. You will have about 20% deducted from your check. I keep it in a US bank and pay expenses with it ( hosting, content,...) to bring the income to the lowest point. You then get back when filing your taxes. Memberships are in my US corp. Video sales are in my Canadian Corp .

Take note that Revenue Canada considers that ALL membership should be subject to GST ( and provincial: they always piggyback) , so this is 15.5% ... ( so the 20% in the US is not that bad)...
You NEED an accountant to setup everything.

You're Canadian and you incorporated in the EU? How much did it cost, and is it an easier/harder process then incorporating in the USA?

Someone told me there is a 40% tax enforced by the IRS (Foreign Withholding Tax) I believe it was called. Could be bullshit. Who knows.

hahah, i can just see the canadia bureaucrats in their offices high on perrier "duuuhh... guns and porn are BAD... duuuuuhhh... yeah, let's make them illegal, but you can still fuck young girls! yay for the mounties!!"


hahah, sorry, this will be my only post poking fun of canadia this evening.

Heard that as well, its not bullshit at all. Its so you cant skip down and not pay taxes, The Bank actually holds the money in your account for the IRS

I am willing to become the CEO of USCAN LLC. For a small salary, I would do that for my canadian brothers. I have a office, I am on a T-1 and I am US citzen and live in the US.

Good info....Did the people who help set you up in Delaware set up your U.S. bank account, too?
This is fucked. %15 for processing, plus another %20 taken off for taxes. I have a decent accountant, this may be over his head, though.

See what happens when you let the french run things?

So glad this didn't happen to America.

that's why we have guns, so we can fix government's error. too bad we won't have them for much longer, if people get their ways :Oh crap



so, are the mounties really as silly as they are portrayed on tv? i was up there at the training station or whatever, but that was years ago so i don't really remember.

Basically you have to pay tax to the IRS and tax to CCRA and then pray to god you have a competent accountant and beg for that money back via tax treaty beetween the two countries. If not pray you have a good tax attorney and maybe on your 3rd appeal in tax court with the CCRA they will decide to stop fucking with you.

http://www.c-a-s-e.net/Age%20of%20Consent.htm
Whacked shit....

Mounties are actually pretty bad assed.

Especially the east indian one who took his case to the supreme court saying he should be allowed to wear a turban enstead of the traditional mountie hat.

fucking Canada is the only country on the planet where foreigners can show up and demand everything be changed to suit them. :ak47: