PSW Billing can you answer this?
 

In another thread I asked:

"do you require clients to have a registered US company?"

and you answered:

"Nope. We come to you. PSW addressed this issue in reverse: we come to you (international reception) rather than you coming to us (US presence). Internal sources say Canada is a go, however, I'm going to check into everything again next week."


What I should have asked is: Do you require clients to have a US registered company for them to process Visa (not just Mastercard).

Also, what is "international reception"?

Why are you bothering to ask this question? I have asked it loads of times, they dont give a fuck they just want your $750...sorry if that sounded rude...

I thing that I think you want to know like I do is about the "presence" aspect...I am nased in the UK and most of my clients are UK or European...so why the fucker do I have to pay Visa US shit all?

Brown Bear,

Here is the latest just in case you haven't seen it.
Visa info here: http://www.pswbilling.com/services/regulations.shtml
Press release here: http://www.pswbilling.com/press/20021004-visa.shtml

:thumbsup Darin: Thank you for listed that stuff! You're an ace in the hole.

:thefinger Krome: Go get 'em! I think you need to start using that smiley!! There are some other cool ones too. Click the "Get More" on the "Post Reply" screen. hahah. We're all frustrated, believe me. Unfortunately, the visa fees are international. Visa is addressing "High Risk" accounts (like porn) on a global scale.

:uhoh Bear: Let me see if I can clarify the "US Presence" issue. Visa has now divided the world into regions. If you and your billing company are in the same region, everything is fine. However, if you're not in the same region, you can't work with each other. Now, there are two ways to deal with this: 1. You register your business wherever the billing company is (usually the US). 2. PSW expands into your region, bringing the goodness of billing right to your door! :winkwink:

Does that help? Now, over to the GFY band: :GFYBand

ExpertSeries,

Your answer is kinda vague.

Here is my question again:

Are you saying that PSW Billing will process Visa transactions for clients that are not registered in the US?

Also, you've said that you have expanded beyond the US to have a presence in other regions, which regions are these?

PSW Billing says that they have established themselves in all necessary locations to continue to provide services to existing and potential international merchants.

My question:

Are there any countries in the world that a client cannot be based from to process Visa transactions? and if so, what countries are they?

?

?

perhaps....?

OK PSW here is the riddle:

I live in a Latin American country, have 7 websites, all paysites, actually i process with Ibill and WSB, big rebill database sine 1997.

Q1.- How will this affect to me?
Q2.- If i choose not to accept this VISA shit, what will happen to my rebills?
Q3.- What can you do for me?

I think PSW Billing is avoiding my questions. :feels-hot

Don't jump the gun, Matt may have simply gone to bed or hasn't thought to check the thread. Matt's a good guy.
If he doesn't answer you here, try giving him a call in the morning. (Yeah I know it's Saturday but you never know.)

El Demonio - I've seen other people ask question #2, and the answer has been - the rebills aren't your customers, they're the 3rd party billing company's customers. You can't transfer them to another processor, so if you don't pay the fee, you lose the rebills. You've got a little less than 30 days to send out an email to all of those people asking them to cancel and sign up with your new processor - you could say something like "we are having serious problems with our processor blah blah blah". Doing it that way, at least some of them will voluntarily switch. It's better than losing them all.

Thanks Carrie,

Let's say that i pay the fee, then what?

I want an answer!

Geez, I've got people looking out for me everywhere! ;) Carrie, you are my Domestic Goddess (I only say that because it's listed in your profile). :winkwink: Yes, I will be in the office tomorrow... and Sunday. hahah.

Bear: I'm SO glad I haven't gone to bed yet (didn't want to leave you hanging... I was in the bathroom, shower, that kind of thing (and bed soon.. i'm exhausted.. been a looong week). Sorry if I confuse you! Lets see if yes or no makes it clearer...

"Are you saying that PSW Billing will process Visa transactions for clients that are not registered in the US?"

Yes. :thumbsup

Also, you've said that you have expanded beyond the US to have a presence in other regions, which regions are these?

The 6 regions that Visa decided to cut the globe into. I'm not aware of any countries that do not fall into one of the 6 regions but there may be some small ones.. I'm guessing they may not have internet access.

(El Demonio, answer coming.. wanted to post this for bear. He's been waiting!) :winkwink:

hehe...nice

Hurry Matt!

You talk about "regions" and RonC from CCBill talks about "countries"

CCBill, IBill, and Epoch have said that they can only process Visa transactions for clients that are in the same country as the acquiring bank not just the same region.

So what is it? Countries or regions?

What are the 6 regions?

Are these the 6 regions?

Asia-Pacific
Canada
Central & Eastern Europe, Middle East & Africa (CEMEA)
European Union
Latin America & Caribbean
United States

So what is it? Countries or regions?

First, Carrie is right. Now on to the questions...

Q1.- How will this affect to me? (Latin America, 7 sites, 2 processors)

Man.. there are a lot of facets to this. Ok, first: unless you establish a business in the US or your processors establish themselves in your region, visa orders/rebills will stop. If you DO end up in the same region, you'll have to pay both processors the fee to continue your rebills. (I'm not sure if they plan to establish themselves like PSW, which means you may want to look into how to get a US company registered). There was a post on this from someone.

Q2.- If i choose not to accept this VISA shit, what will happen to my rebills?

Gone. Doesn't that just SUCK. Lets, see.. an appropriate smiley... :throwup

Q3.- What can you do for me?

We are established in your region, thus you would not have to deal with all the stuff above. If you decided to switch, you would want to do want Carrie suggested. Also, I make great omelets if you want one (you asked what I could do for you). hahaha.

Now back to bear... it just.. doesn't ... stop! ;)

And how do i switch my rebill database to PSW?

email me please

It is regions not countries. I don't have the chart in front of me (I'm at home now.. just like you guys.. my bed is 5 feet away.. calling to me). hhaha..

You've got it pretty close from what I can remember. However, the important thing is NOT what the region are. It's simply whether or not an IPSP can process in whichever region you're in. PSW has them all covered (though I have to check on some Canada stuff next week).

Also, if Canada is one of the 6 regions, how can you be processing Visa transactions with a Canadian bank when other processors like CCBill have stated that no Canadian bank will accept a high risk account?

How do you know that it is regions and not countries?

Where are you getting your info? Because Ron from CCBill says that it is countries and not regions.

I wanna believe you, but that would mean admitting that CCBill doesn't know what its doing (which it might not), but its hard to believe that CCBill would not know this and you would.

Bear: That's why I said "I've got to check on the Canada stuff next week" my friend. From what I understand, we may have gotten around that (but I must check!). ;)

As far as "countries" vs. "regions", I haven't read what other companies have posted on this, but I've seen the Visa map myself, the 6 colored divisions of the globe, and if their are only 6 countries in the world I need to go back to school! (or I missed a major war).

El Demonio: Your email link doesn't work. I'm the press contact for PSW. See the press release in the press room (for contact info).

Which link is your email?, support, sales, etc?, which one should i click to contact you?

Here is what RonC (CEO of CCBill) has to say about countries vs. regions:

"All the 3rd party billing companies are exploring banking relationships in other countries. This is not the problem. We could all have banks in the 6 regions of Visa in 1 week. The problem is with the Visa Rules. Black in White lettering in the IPSP rules states COUNTRY not region."

Brown Bear, that is some impressive shit (and appears to be quite clear). I'll have to get back to you next week.. i'm freggin exhausted.

El Demonio: matt@ ;)

ExpertSeries,

You might want to clear up this issue between regions vs. countries because it doesn't sound like you're very confident with your answers (which doesn't make me too confident to become a client).

I really hope it is regions and not countries, but if I were you I would contact someone at Visa and get it in writing so you are 100% sure on the subject.

well, if you can accept Canadian-based paysites (avoiding the new, as of yet unclear 'US presence' requirement) - email me ultraquiet at mac dot com

thanks

Brown Bear, I'll be checking into it. Already sent of some emails now. But I won't hear back until as late as Monday.

Quiet, I've got ya covered. ;)

Sorry guys, BEDTIME. find me in the morning. ;)

it's next to impossible that the rule requires processing by country, not by region. half the countries in the world don't have processing companies based in them.

The CEO from CCBill doesn't think its impossible.

well, he has more information than i have. anyway, i said next to impossible.

Next week could be a very interesting or very disapointing week...I'm looking forward to know what are my options as a Canadian webmaster....

I think Canadian webmasters are going to be screwed. The CC processors will likely setup merchant banking relationships in other countries like Australia, UK, etc..., but from what I hear, no bank in Canada is willing to touch adult transactions.

Ron from CCBill said that he is going to ask Visa about making an exception for Canada (since no bank will process for adult sites there)

YOu trust a CEO of a company that has hidden the truth from you for month and does illegal price fixing to come up with the fees?

Its clearly obvious. He talks about countries because he can only do the US and if you look closely the US is a region. If I see EU as another you cannot impose country rules because it would be against European law. So its obvious that we talking region here not country and ccbill ceo just uses the fact that the US is both to keep most of the customers in line.

I was gonna say much the same. 'The CEO fromxxx says this', 'the CEO from xxx says that'. Sorry but after the crap that's been happening on the boards and the post by CEO's and their staff I would trust none of them. Certainly as has been said before there only seems to be 2 (3 now?) companies who have even tried to treat this with professionalism and with ANY regard for the situation their customers are in. So many sheep in here blindly following the words of a few who have already screwed their customers in a major way. Still, makes for some amusing reading :)

As the Germany guy says it can't be country and somebody somewhere is talking out of their corporate ass. EU is not and probably wont me in my lifetime, a country. However there are universal laws in the union and these would certainly not allow it to be taken down to a country level thus preventing free trade within europe.

I agree and the NAFTA agreement tries to do away with country's borders also. I will be shocked if VISA doesn't declare Canada, Us, and Mexico as one "area" or "zone".