Surfers that pay with a check, knowing they are NSF...
 

...can lick my fucking nutsack. Fuck all of you assbags who have done it. We are no longer taking checks as payment. Fuck this pisses me the fuck off.

And billing companies, if the first one was bad, the second one probably might be bad too... Ya think? Get a fcukin system in place to stop this shit someone.

agreed, bad checks online are a problem

the better part of the equation though is that the same losers who scam credit cards will scam the check option first. it is better to have bad checks than chargebacks :2 cents:

I want to tal to you XPays...346940591 - ICQ

Yo bro whats up email me i need to speak to you

jewcash at jewcash dot com

This is so bad for their credit and they don't even know it

I am considering eliminating checks as an option, too much trouble . . . NSF on a $5 check . . . . sheesh

Yeah, I know man. And worse, a processor that gets an NSF on a trial, then allows access to a site when it rebills to a full membership.

It will only affect their credit if their bank decides to report them, which normally doesn't happen until you start bouncing a lot.

Exactly baddog, and then it did it on a 26 dollar check, still horrible though!

Exactly. Usually a bank won't even look at the amount you have bounced or kited until it hits the felony level. Civil recovery costs them too much...

It just charges your account 30 bucks or so

Here in Canada, the banks don't report bounced cheques to the credit council people until they start bouncing lots of cheques.

people who bounce checks should be sent to Iraq to get beheaded

They really are scumbags for doing that

At least kicked in the nuts. Hard.

They are, but the billing companies should have some kind of system in place also. 3 days to figure it out.... How much more time do they need???

It's so fucking simple... If the first one bounced, there is a very good chance the second one will too.

you have convinced me not to accept checks at all on my new site

Please remind to AlienQ from which country all these NSF checks come from.

Seriously man, I can't show you ONE transaction that has not gone NSF or been returned on a check. And worst of all, these fuckers get complete access for several days... You can put in any bullshit routing and account number and get access to sites, this is fucking stupid.

So far all of ours are from the US.

If a surfer/scammer fraudulently uses credit cards, his IP address is recorded. So he can get busted.

I have always been under the impression that it is fraudulent to knowingly bounce a check. The IP can be registered just the same way it is with a credit card transaction.

If someone can technically be charged for fraud when scamming a credit card, can't one be charged for fraud when knowingly bouncing a check?

Maybe a few high profile cases on check scammers would be in order?

okay, I know that the IP address can be played with. But it's not all surfers who know that.

Let me reiterate one more time how much the surfers and processors that do this shit can suck the bile from my nasty dirty asshole. All of them. Suck that bile until your eyes and ears are full of shit, because that's what you are. I don't much care if it is brown or green or brown AND green. Suck on it and swallow it until you choke.

It's actually Yelllow, I was puked it up :(

Many of the bad checks I see come through are fake names, fake addresses and fake checking accounts.... Their credit isn't getting hurt at all because they just make the shit up.

You need some info to make such shit up. Like a routing number.

A proper system should be able to tell if a routing number is bogus just the same way it will tell if a credit card number is fake.

does check processing rely on an actual account verification? Or do they just have a large negative database and hope for the best?

Niether. It's a fucking tool for the processors to offer more shit on your account.

Actually you don't need much info at all.

What should be able to happen and what is capable of happening are, unfortunately, not the same thing.

Negative database.... same process when you write a check at a store. Telecheck (or whoever processes the checks) simply looks into a negative database.

Does anyone know how check processing is gonna be affected with the Check Clearing for the 21st Century Act, "Check 21"

http://www.consumersunion.org/finance/ckclear1002.htm

This goes into effect on October 28th, but haven't seen anyone discussing it here ever

One more link:
http://www.federalreserve.gov/paymen...on/default.htm

Good question...

When that system takes affect country-wide, there will be a lot less fraud.

Wow, you guys are all worked up over something that in MOST cases can be eliminated on the front-end if the proper systems are put in place. But the fact is, despite the minute amount of bandwidth that is lost on those cases, you still make WAY more money by offering checks!
Although there are no SURE ways to prevent every fruadulent transaction from getting through, there are many things that can be done to greatly limit them!

newbreed - if you haven't tried WTS yet, i would suggest giving us a try! Opening up an account is free and i think you'll find the serviceto be a lot better than everything else out there!
i

Andy, please explain to me how "despite the minute amount of bandwidth that is lost on those cases, you still make WAY more money by offering checks!", when most of them are fraudulent, nsf, and the site owner doesn't find out for days? I not only lose the $ from the sale, my affiliate might lose his/her payout, and it costs me bandwith. That's making me lose money, not making me WAY more money.

And I was going to try WTS at some point in the past, but something didn't look right somewhere so I didn't sign up. Looked like the same as every other processor out there so what's the difference?

Well first off, MOST people that signup by check either don't have or won't use CC's on the 'Net.
So, if you don't offer checks at all, you are missing this entirely different revenue stream.
Secondly most checks are NOT fraudulent... You can expect to settle appx 65%-70% of the initial check signups through WTS.
Plus, any of the bad checks that come back, we have an in-house collections dep't that goes after them. Typically, we'll collect on appx 33% of those that we go after. So, you can add another 10% to your collections..... = collect on 75%-80% of your signups! NO other processor can make these claims... ;-)

Granted, it does take a bit of time for the checks to clear and you are losing some bandwidth to those that you don't collect on.
But if you earn an additional 20%-25% of ADDITIONAL revenues on your EXISTING traffic.... you are making WAY more money than you are losing!
Surely, you don't think that CyberErotica, SilverCash, Python, Gamma, P'bucks, Hawg's Cash, Apollo Ent, Top Bucks, Shaw, Orgasm, etc. etc have been taking checks for years and LOSING money... do you??? LOL

Also, you should only be paying webmasters out on "settled" signups anyway!

Here are a few things that set WTS apart:

WTS uses a pre not process, which eliminates many of the bad checks before they reach the bank
Largest negative database in the industry
We utilize several verification systems, which validate up to 50% of DDA accounts in the US.
We only charge processing fees on settled checks!
Check this page out for other important faqs http://www.achdebit.com/sales/facts.html

LMK if you have any more questions
1-800-982-9366

NSF checks don't effect your credit do they? From what I know they just effect your rep with the bank. If your filling out an application for a loan, lease, or whatever, they usually ask for a bank reference.

Andy,

It seems i pay more in processing fees, than the amount of checks that actually clear with my existing processor! :eyecrazy

How does WTS differ??? :helpme

WHO THE HELL WOULD RATHER USE A CHECK ACCOUNT ( A REAL ONE) ONLINE AND RISK SOMEONE EMPTYING THEIR BANK ACCOUNT??!?!?@?!?.. OVER A CREDIT CARD WHERE THEY HAVE ZERO LIABILITY ??? LETS BE HONEST HERE !

METROINC, are you serious bro? :1orglaugh :1orglaugh :1orglaugh

We process for the largest adult sites on the net! There's a reason they all use us bro... THE BOTTOM LINE! Hit us up... We'll be happy to show you why we're better then your previous solution.

Oh, and whom am I really talking to? these fake nick things are so damn confusing!:helpme :1orglaugh

:glugglug

As serious as a heart attack.... exactly what any webmaster will have when he sees the chargebacks and enormous bandwidth usage by frauds that use online checks! ... Bottom line.. if you want to get burned .. accept online checks in the porn industry!



:ak47: WTS - Ben
:BangBang: Online Checks
You will get ...:feels-hot

Now...:321GFY

P.S. If you accept online checks... hit me up and I will prove it to you .. by signing up and using all your bandwidth:Graucho

:1orglaugh :1orglaugh :1orglaugh

We hear this trash talk all the time bro. Have you noticed that the ones who complain about bandwidth tend to be the smaller webmasters with small paysites???

None of the big dog's have stopped accepting checks... maybe you should think about why that's the case!

I'll be waiting for your response... hopefully we'll get more CAPS & BOLD to back up your ridiculous claims. lol

:glugglug

I'm not even sure why they still accept checks since the majority of them always seem to either be NSF or not even their account.

With all due respect, and I am sure that you were not aware of this because this is not something that we openly or publicly advertise, but CCBill can absolutely match the claim that our clients are collecting 75%-80% or more of their initial online check sales

In fact, I noticed that the site that newbreed is advertising in his signature, arikaames.com, is a site that is using CCBill for their online check processing and I invite them to post their online check return stats for just initial sales, or all sales, for the past month, 3 months, or since the beginning of the year. Although I am tempted to mention the return %, I will not do so, but will mention that on new sales, it is considerably under 20%

We have a very elaborate check scrubbing system that we are constantly making improvements on. No system currently on the market is 100% infallible, online check transactions do not have the luxury of a real-time central clearinghouse like credit cards.

That said, WTS appears to be a established, well run company and I would not have posted on this thread if I was not so proud of our online check system. ;)

For the record, this thread was not aimed at nor much considered for Arika's site. Corvett and I did speak today and I am happy with the check billing solution that CCBill offers. And he is correct, for Arika's site, the % is around 15.

There is a problem with online checks, one that everyone who deals with them will suffer from at one point or another. If you run many sites or other businesses (not just adult) this problem will hit you one day, make sure you have your options open when it does... :2 cents:

good job ccbill

So what you are saying is that small webmasters are not important to your company ...because they can't absorb the large amount of bandwidth that the thieves use on their site fraudulantly with online checks?

You are a great sales person.... I'm sure there are tons of webmasters on here that want to do business with you now!!

LOL ! :1orglaugh


:BangBang: WTS
:ak47: Online Checks

And oh yeah... :321GFY

Hence the fact that no matter how many times they have spammed my threads, I have never spoken with them. :)

Big chargebacks?

As far as whether you should accept checks or not:

Let me say that online checks do add to the bottom line as a healthy supplement to your credit card income?as an additional payment option or to be offered on a cc decline.

I recall KK mentioning some of this years ago? If a surfer has a credit card, they most likely have a checking account to pay the monthly credit card bill. In addition while a credit card may not be enormously necessary to survive, it is difficult to pay normal bills (rent, elec.,ISP/broadband, etc) without a checking account.

You access 2 additional markets; someplace to send a surfer when his cc declines and you have a viable payment option for the people that do not have access to a credit card.

Moreover, it is general industry knowledge that online check transactions normally recur for a longer period than credit card transactions...