Is it time to say goodbye to VISA and it's damn rules?
 

DSMcard.com is now offering the DSMcard; an independent credit card that individuals can use to purchase any legal item, adult or not, from online merchants who have been setup to accept the DSMcard. Even small businesses, such as one-person run web sites, can accept the DSMcard, the merchant version of which is required to accept payments. Full Story...

good article...have to keep an eye on the progress of this company...they really need to fix up their site...

Always thought something like that will happen sooner or later...

cool !!

Exactly what is it that is wrong with Visa's rules?

Quit fucking the surfer/members and you will have nothing to worry about.

You guys crack me up. DSwhat card? I am sure millions will be flocking to use this new cc.

Yeah, please stop accepting VISA, will leave more for us that do.

What's wrong you say? Hmm... What's about AVS ban, 1% chargeback limit, $750/$350 VISA process fee and other shit?

We have been doing this for over two years, its catching on quick. We have a webmaster referral program coming out on it real soon.

Our card is called CNWB.comhttp://www.cnwb.com

You can also get the adamandevecard.com http://www.adamevecard.com

or the CyberAge.com card http://www.cyberagecard.com

or the UGAS.com card..http://www.ugascard.com

There are a lot others as well.

You can use any of these cards anywhere that is excepts them.
All of our AVS's accepts them and also all of our Paysites thur Nastycash.com

Its nice having an alternate card.

really? what did you find "good" about it? serious question.

What's your point?

STOP FUCKING THE SURFERS AND MEMBERS AND YOU WILL HAVE NOTHING TO WORRY ABOUT.

If you can't afford the fees then you should not be in this business in the first place.

Good article..thanks!

Cut them up only pre pay!

I could not agree with you more. :thumbsup

Once again. I never fucked the surfers and members (actually I prefer to fuck women). Also what's about AVS?

what about AVS? I have not heard of any that do not accept VISA, but I have not gone out and actively tried to find one. Can you tell me one?

Yes, they still accept VISA but they were forced to change their rules for that. Also as far as I remember, a couple of AVS were closed at all.

well, the rule changes were pretty much based on the interpretation of the individual AVS . . . whoever closed did so because they could not adapt or could not afford $750 to stay in business

Sound advice :2 cents:

They should stop accepting chargebacks so easily

you should start providing a product that doesn't result in a c/b or provide customer service that responds before they have to resort to using a c/b

AVS is a ripoff. It's nothing more than a $30/mo TGP.

If you have a problem staying below this, then you are doing something wrong.

It's to cover the shit they have to put up with by the adult internet as a whole, which is a lot.

Why did the ones you ran go under?

The bottom line is how widespread will this new card be?
The typical surfer KNOWS about Visa & MC and some of them have a really hard time getting those..a lot using the old "debit" card.

Assuming everything you say is true, and it's a great card, I just don't see the typical consumer flocking to get this card. Especially when you go to the site and see how this card really pushes the "adult" angle in it's useage.

A lot of people like to "hide" their porn ventures with other purchases on their Visa/Mc.

1) There is much more content on ProAdult, AdultBouncer, DeluxePass and other good AVS than on 99% of "paysites" that currently floating on the Net.
2) Who said the TGP's should be free? I think they should also charge the payment (at least to protect the minors from watching porn).

BTW, I have about 70% rebill level on my ProAdult sites. What is the level of rebills on your own paysite?

visa and mastercard are fucking asshats who don't want to make the much needed changes to protect not only their customers but the merchants as well.

they're running a huge fucking scam and everyone in this industry is bending over for them.

It wont work.

This is how paynments work as I see it from working in this field.

As a site owner you need to be able to take payments from the public on the front end of your business. Also required is the need to transer funds P2P or B2P etc.

The front end is the easy part to sort out these days, CCBill, Verotel and iBill can do the job standing on their head and any one who needs to take payments should have an account with all of them.

The backend is where things get tricky, Paypal have walked away from a big market and the race is on to get our business. So who do we have in the running;

EPassporte - I like the product a lot though I am yet to see it in use widely in the UK.


Money Bookers is my favourate to fill the viod that Pay Pal have left. They already boast Netpond's replacement for paypal

The big issue though is that as they said in this report getting people to trust the provider and for the whole market to standardise and agree on new online currency.

:2 cents:

What a wonderful dream ! Only softcore for free, hardcore requires a cc...but it will stay a dream, it's like the TGP2 concept, especially the big TGPs won't dare any experiments and risk their bookmarker traffic.

what is the merchant support for this like? still pretty low?

I think the industry is ripe for innovation and new alternative billing methods, that's why I created 123Bill. The one and only comment that I'll make here is why don't you save your press release and threads on the boards until you're actually ready to conduct business? There is hardly a web site at all on dmscard.com and the signup page isn't even secure where you're asking for a Social Security number. There are no disclaimers, address, phone number, contracts, merchant application or sufficient details for the consumer about the nature of your offering.

I wish you the best of luck but my advice would be to create a secure, professional product and website before announcing it. XBiz actually wrote or published that? Weird.

:2 cents:

Brad

I fucked 3 exec's at Visa. I am immune to their rules. I just gott aput out evry so often to maintain my immunity,.

If you are talking about AdultLogin you will have to talk to Mogul, because it was still running when I left MogulNetworks . . . .but seeing as how he closed up all of his adult sites after I left, maybe it was because he had no one to run them and did not want to do adult any more

ignorance

For the record, with regard to AVS I believe that done right it CAN be a good value to the consumer. What I disagree with is subversively cross-selling memberships to a full priced pay site when someone gets a "free" membership to an AVS when it's not adequately disclosed what they are going to be billed for.

Cheers,

Brad

one word. when all else fails you can always go back to basics.

I N V O I C E S

I remember many moons ago a new credit card came onto the horizon, it was called the Discover Card.

Sears pushed it, many got theirs because they were already with Sears. I never got one nor applied for one. I don't need it because I do own Visa and Mastercard and there is your problem

People like me

Were lazy, we don't want to be inconvinienced. We go to a paysite like it want it and when it is time to pay we will with our Credit Card Visa and Mastercard.

Will I go out and apply for a new card? of course not, I don't need anything else than the main once.

That sad truth, but unfortunate reality...

We need to appeal to the masses,, not just to people who own Discover Card. etc etc

and yeah, Invoicing,,, I always have that option and do sell quit a share of them during the month.. they send me money I send them a password.. Hey thats how it worked many moons ago also. Until we got lazy, we relied on Visa and never looked anywhere else. Now we are in front of the bridge, is it going to hold us or break?

Only time will tell
Only time

exactly

agreed

Exactly, offer what you tout on your font pages, stop treating surfers like dumbfucks who arent gonna notice the same fucking plugins at every fucking paysite and youll be just fine, we dont do huge volumes but we offer a rare "real" product and give to you what we tout on the front pages, nothing more nothing less. Result = 0 cb's for us anyway

Re: Invoicing

That's what 123bill is, discreet invoicing. Customers get instant approval or denial when they want to buy on your websites. If they're approved, they get instant access to your product. Once that takes place, you know you're getting a guaranteed payout from 123bill regardless of our ability to collect because that is how our product offering is structured. Unlike other things that are on the market, my product does not require that it be pre-loaded and really does address the issue of convenience for consumers since they're able to get access to what they want spontaneously.

:)

Brad

I agree. But... We all also have to agree that there is a certain population, however small, that purchases memberships without the intention of ever paying their bill and ultimately charging it back because they know they can. Anyone who has ever taken customer service calls can attest to this. Similarly, there is still a real issue of organized crime with credit card fraud and affiliate accounts. Not too long ago we got hit with what CCBill determined was about 50 fraudulent transactions all from one affiliate in the SinBucks program in a short period of time, despite the scrub. So, inevidably, these types of bad transactions ultimately end up hurting even the most honest of merchants.

Do these transaction counts add up to 1%? No, probably not. However, they both represent real issues that could be better handled by some updated policies at Visa and Mastercard that address the inevidability of even the best merchants being defrauded despite scrubbing and other preventative practices.

Brad

It's all about integrity. That's all Visa demands. Live up to your claims, and offer value to your customer.

No website in the world who operates an honest system is going to exceed Visa's chargeback ratio, under it's current rules. The bigger pps programs spend more resources on fighting affiliate fraud than consumer fraud. When webmasters wake up and realize that they are causing (and enabling) their own problems, then maybe this industry can be strong again.

Quit trying to fight Visa by reinventing the wheel. If you truly wish to embrace new payment options, then think outside of the box. 123bill is an amazing example of such vision and comes packaged with the integrity that is so dearly needed around here.

Agreed. If you're one of us that have a hard-merchant account (a machine in my office to take transactions for my computer business) you know that Discover and AmEX also take longer than Visa & Mastercard to process and payout. Their take is higher too.

I have 3 cards, two are straight up Visa, the other is a bank Debit card (also Visa). I'm with steffie - i will most likely never apply for another card again. Got too many already...

Interestingly enough, Discover's discount rate is much less than Visa, Mastercard and American Express. American Express is the highest of the bunch at upwards of 1% above Visa and Mastercard.. This, based on experience with my own merchant accounts.

I'm not likely to ever want or need any more credit cards either. That's part of the reason I think 123Bill is a viable option, because it ultimately generates a bill in the mail with an automatic net 30 for the consumer.

Brad

Visa's stance on AVS is simple, they do not want their product used as an age verification process. If you've read any of their releases or their statements, they are all about protecting their brand image.

Now, should I spam ePassporte in this thread or not, I wonder...

Im only taking pesos from now on.. Its a top secret visa loophole!

VISA suck :ak47:

Trying to fight visa is a losing battle but there's nothing wrong with looking at alternative methods in addition to visa and mc. It's important to offer your customers options. We've had a ton of great response since we added 123Bill to our sign up forms! :2 cents:

You may also want to look at Duocash as an additional way to process transactions along with your credit card processor.

We enable pre-paid phone cards to be used, which means that we have nothing to do with VISA/MC and we are not subject to their regulations.

We are not looking to be a replacement for credit cards, but rather an anonymous, additional method to get customers who might otherwise not want, or be able, to give CC# to adult sites.
Our system also works very well for micropayments as there is no per transaction fee of 15 to 50 cents like CC transactions.

Perhaps you may want to take a look at Duocash

http://merchant.duocash.com/howto.jsp

We are putting together some VERY large deals that will be implemented in the next 60 days or so that will put us all over the US and Canada, and we are in discussions to expand to Australia and the EU.

We are not in the business of selling phone cards. The problem with earlier business models has been distribution of proprietary cards. The retailers won?t stock the cards if the customers aren?t asking for them. The consumers aren?t aware of the cards if they aren?t on retailers shelves. It?s a chicken and egg type of issue.

In our case, we have done something different. We are taking a product that is ALREADY on the shelves, in distribution online, and in call centers. We are enabling the existing phone cards that are already on the market and being distributed, to be used by consumers to purchase digital content on the internet. This also avoids the issue of a single-use card that won?t be carried by retailers and distributors because of perception problems associated with a card that is specific to adult, gaming, etc?

You can contact me on my mobile or my email at any time for any questions you might have.

:1orglaugh :1orglaugh :1orglaugh

Nah... Let someone do it for you!

ePassporte is an excellent option! http://www.epassporte.com

Cheers,

Brad