Not at all worried about 1%
 

My average for the entire year is 0.3% CB.

Are most sites really higher than 1% ?

I don't see how a legit site would be...

well, we will all join your site and chargeback!:glugglug

I looked recently, and was surprised to see that mine was not far from 1%. I think it's easier than it looks to get to that point, since I hardly notice any chargebacks.

it might not be hard.. but all it takes if your a smaller site.. is a couple people to charge back 3 - 4 months and your fucked.. kindove like taking a gamble.. 1 day your fine at .4% then you get 3 fuckers that charge back a few months and you jump to 1.2%.. then they take your money and you can't do shit about it

just btw... are we talking about chargeback asked directly to VIsa? Or chargeback asked to your processor (and visa)?

Because as for the processors, they can be tougher if they want to and can demand solid reasons before giving a chargeback...

I think you're right that most sites wouldn't be. Not sure though, just speaking from personal experience.

Do you guys know how to calculate 1%?????

There is no fucking way to stay under 1% doing adult stuff. Most NON-ADULT sites selling any sort of subscription are over 1%.

I am well under 1%, but last month I had 2 people chargeback 11 transactions combined. So you have to do 1100 clean transactions because of two assholes.

Its not hard to see how small sites could get in trouble, especially as some small amateur sites are on pretty lame hosting and go down for a week at a time.

They should make it 50% to be fair.

:1orglaugh

lol..of course there is. We are usually at .63 or below. There are definitely times when we have rolled over 1%...but we've instituted new fraud controls and they are definitely working.

I'd like to add tho, that I think this is just one more instance of VISA putting the squeeze on the adult industry...and I certainly don't agree with it at all.

Very simple. Do over 100 sales a day @ $2.95 for 3 day trial. You WILL have a few assholes forget to cancel the trial (it's just a matter of mathmatics), and they spot it on their statement a few months later, charging back all those recurring months.

Bye-bye 1%. And you can be PERFECTLY legit.

It's total bullshit think it can't happen to you. Because you have no control over what your surfers do. There are some who will charge back because their wife questioned the charge, and they said 'duh. I don't know what that is. Charge it back.'

If you get a lot of your paysite income from TGP traffic, and do heavy volume... you're at risk.

:2 cents:

Donavan, BTW ...u do realize that it's calculated month to month. In other words...say you have a GREAT july...fantastic sales. Then September rolls around and the chargebacks start to roll in from July - those are calculated for Septembers chargebacks - not july:)

Chargebacks aren't compared against the month the sales were made, but the month the chargebacks come in.

So dump the trial?

If the 1% starts hurting too many people that would probably be the best way to go -- full membership.

That way there are no surprises for the surfer.

OR:

You can do what I did. I took a look around at the very large, established websites such as amkingdom and karups and noticed that THEY don't offer trials. And the also DON'T do the pop-up hell thing. So as a result their MEMBERS are usually happy.

SO when I started my pay site more than 2 years ago I chose NOT to offer trials. They either pay for a month minimum or they don't get in. I also don't ANNOY them by having pop-ups on my site.

And that is why my chargeback ratio has been 0.3% for the entire year.

These rules will just make this industry become more straight forward with surfers. To me, I give "straight forward" two thumbs up!! :thumbsup :thumbsup

how will that help? if they are going to charge back they are going to charge back.. without a (paid) trial you will get less transactions.. so 1 charge back can hurt you more

Deception & too much fine print is probably half (if not more) of why we (as an industry) are being regulated in the first place.

Less transactions without trials? Definitely.

Less money? Seriously doubt it.

I have a very good conversion ratio with my site, and I do not offer trials.

If you all think that 1% is shit.. On one of my sites.. since most of my traffic is from out of the country.. I am at about 4% :321GFY

Which blows....

I run a small specialty site that has been up for about three months. I don't expect many sales from the site, but we have made about 100 thus far during testing (prior to bringing an affiliate program up) and have yet to receive a cb.

If you are getting much more than 1%, you better check the product that you offer. Operators comfortable with running 2.5% cbs on their site are operators comfortable with deceiving their customers.

Bull shit. There's only so much someone can do to prevent chargebacks. There will always be a few unhappy pricks that think they're real smart by charging back for free porn.

When is someone going to institute a universal porn pass? People can buy these cards/passwords and put them towards porn sites of their choosing. A credit based system. Surfer buys credit. Surfer uses credit.

I want to see this work.

This makes sense. Sites that offer trials are probably ones most affected by this.

yeap

I think for the guys running real tight ships the only real concern here is if you do pay per sign and get smacked with a webmaster running fraud charges through who is trying to make a quick buck. Not all chargebacks are the fault of a BS webmaster.

Even the sites heavily focused on customer service an interaction - like amateur sites - can get hit *hard* by an asshole who knows he can chargeback.
One lady on amateurmasters had a member who came to her site almost daily, was present and in chat for *every* webcam show, she thought he was a fantastic member.
After 8 months he charged ALL 8 months back at once.
She never got the opportunity to show the logs, show the IP addies or emails or chat logs... nothing. He told Visa to charge it back and they did.

Running a tight ship and fawning all over your customers isn't always enough - the customers have learned that they can legally commit fraud through Visa and that's all they need to know. :(

:1orglaugh :1orglaugh

Yea, sounds like a good idea!

jDoG