Anyone process through CCBill without Visa?
 

I've heard you can process through CCBill without taking Visa, meaning you don't have to worry about all the pesky Visa regulations.

Does anyone do this currently? How does it work out for you?

Thanks :)

it will seriously hurt your sales

I've heard that, but I've never seen any solid evidence to back it up. I've seen figures before that indicate that most Americans with a Visa also have a Mastercard.

And I guess one way to look at it is that less sales is better than no sales or better than not getting paid for sales you made with less reliable processors.

I don't have a MasterCard.

nope VISA is a must have

I'd give you a free pass anyways :winkwink:

Anyone else wanna put in their 2 cents?

even though "duocash" doesnt seem to be hitting it big i still think the idea is "gold" www.duocash.com.

Its basically prepaid "visa type" cards.. but not thru visa.. its just phonecards you can buy at your local gas stations that you can pay for stuff on the internet with.. I think its a great idea for porn because its anonymous , and thats prob a fairly big hurdle for most men that arent single

you will lose out on 65% of your income. if that is okay with you and you're affiliates... than by all means ... save yourself the $750.

btw ... if $750 is a serious consideration... quit now and go back to work for the man. and before you go off on me for being a rich cunt... i came from shit... started this company on less than 12k ... including payroll... just so you know... i know what it's like to eat top ramen and tuna fish for 18 months.

I'm Canadian, not American. My options for processing Visa are incredibly limit and mostly involve attempting to jump through tons of flimsy-at-best legal loopholes or processing with sketchy fly-by-night programs.

So no, the $750 isn't a serious consideration. Affiliates aren't either as everything would be done "in-house". But thanks for your two cents.

Working at CCBill, I never saw a site that didn't accept VISA (except for those accounts in hiatus for whatever reason)

As was mentioned, you will lose at least 65% (probably more of your revenue)

If you are just trying to run some forbidden content, even if you don't accept VISA, CCBill will not let you sell it with their logo on the processing page.

Somehow SpunkyCash and others manage to have thrived under those flimsy at best legal solutions. Just seems unfortunate that you would consider an option that every month would leave 2 out of every 3 dollars on the table - under the logic that the 65%+ of the income would have some risk of dissappearing.

Put it this way, you're in operation for 8 months with visa before the legal loopholes you're exploiting are detected and you are asked to stop.

In scenario 1 you didn't use visa - and lets say the program does 14k a month. 8 months (x) .33 (x) 14,000 = 39,960.

In scenario 2, you do use visa - you'd earn 8 x 1.00 x 14,000 = 112,000

And put another way ... assuming all things are constant ... you'd need to be in business 2 years to equal the same income you can generate with visa in 8 months. Just seems like an option you should try to explore.

The one way I've heard is having the ccbill account owned by a partner that is a US citizen/corporation ... basically you have a contract between the two of you specifying that they receive some % of your income ... in exchange for being the intermediary which allows you to process visa as a US entity through ccbill

Just because 65% of of people sign up with Visa doesn't mean they don't have other credit cards or a checking account to use. So not accepting Visa doesn't translate directly to losing everyone who'd sign up with it.

A program like Spunky Cash has far more significant resources than I do. They were also doing well when Visa changed the regulations, so they had the means to adapt as necessary. Meanwhile, I'm just a small time girl looking to start a small site. If it was just a question of paying $750, I'd do it in a second.

I'm very much aware of my options. This thread wasn't started to explore any options other than the one I mentioned in my first post. And this certainly has nothing to do with wanting to process "forbidden" content, Lenny.

I have 2 Visa's, 2 checking card Visa's, One Amex ... but no Mastercard ....

I don't know much about paysites but would one of those password by phone or sms not work out for you KrisKross?

CCBill offers 900 billing, which is similar.

When starting or adding a new site with ccbill you always have a small window (about a week or 2) where all the other billing options are active except visa while they do their inspection. This means JCB MasterCard Discover & on line checks are the only options.

I would still send some of my own traffic during this waiting period because I wanted to do some beta testing as soon as possible to test the tours out. I was quite amazed at the conversions without VISA. However after the sites passed the visa approval the conversions were significantly higher. Not sure if 65% is an accurate figure or not but it was at least 40-50% better after Visa was approved.

So the bottom line is you pretty much need visa.

Visa is the biggest credit card company in the world. That is to say, the majority of homosapiens living on the third planet from our sun, use Visa.

Again, I'm well aware of that. My point is that just because everyone uses it doesn't mean it's the only thing they have. I mostly use my Visa, but I've still got a Mastercard, Amex and a checking account.

feel free to use just mastercard but dont expect any affiliates to send you traffic

I did that before, it's not a good idea, coz you will lose a lot customers.

O'rly?


Thats what I understood by those three words in yellow.

VISA rules SUCK!!!
but they are the biggest CC company!!

Okay, there is the answer to your question, KK.

Not having visa would be a huge hinderance. could you get by? yeh, because as you point out people have other options (900, check, mastercard) - that's why billers offer those options and yes you could still make money but you'd have to accept that you're leaving quite a bit on the table. (not only that but some of those options have a significantly higher fraud and refund rate. the return rate on checks can range from 30-70%. And with 900 billing you have to wait up to 90 days to receive the funds.)

Even as a new / unknown program - I doubt it would be too hard to find a person/program/company in the US to set up the account and take a 10% cut. And if that translates into 40-50% higher income as a result... why wouldn't you?

~Brett
*amex isn't an option - since they don't condone/support/process adult.

99% of my signups are through visa

I had a Mastercard debit card attached to my American bank account but last year my bank switched to Visa. My UK bank did the exact same thing a few months afterwards. I only have debit cards and I don't use pure credit cards. So, to me it doesn't follow that if you have one card you have the other.

Great thread KrissKross.

Your original question is asking whether anyone is running all of CCBill's payment options without Visa (so using Mastercard,. I don't know of any that do this. Having the ability to bill all real customers is incredibly important to running a successful business, or just trying to kep you business in the black.

You mentioned before that customers may have another type of credit card for the purchase other than visa. While this is sometimes true, it is not always the case. Personally, I like to use my American Express card for most purchases. But for an adult site that is pretty much impossible. A customer may have a certain card that they use for their adult pruchases, and just from experience the majority of the time they prefer to use their Visa card first.

Kris I'll be your American "partner" for a squeeze every now and then. ;-)

Christ... people need to read threads before putting in their 2 cents. You claim to have worked at CCBill? Then I'm sure you know all about cross border acquiring and the regulations that Visa US has in place. Now look at my location and put two and two together.