Re: Netbilling Merchant Accounts for Smaller Fish
 

so i see Netbilling is now offering merchant accounts to people only processing 10K a month - that opens things up for a big pool of smaller paysite operators - almost all revshare programs for sure.

so here's the question - what happens when/if these programs lose that merchant account for whatever reason - affiliates rebills are lost right?

i am not a shill for CCBILL or Epoch - just sayin' - could be dangerous.

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That is something to take into consideration I suppose. Seeing as Netbilling is opening their doors to the smaller merchants they'll probably been leaner on them slipping from time to time. "They only processed 9,800$ this month.. delete the account" .. :|

I <3 CCBill

Wouldn't those site owners be subject to getting their processing pulled if using ccbill/epoch as well?
WG

I love NetBilling. Out of all of the processors I've used, they've been the best.. but they also charge more.

To be frank:

My only concern is how thin NetBilling support is spread now. They have one tech guy, who has one assistant. He's smart, but he can only do one thing at one time, ditto for his wonderful assistant. If some 10k guy is bitching that his Perl CGI to write to .htaccess isn't working to him, and I have a question about writing something to work with the MUPDATE API; obviously I can't go to Mitch. So, working for a larger company, I, and they, are forced to sit and wait?

I'd like to know what Mitch's plans are for expansion and support for all tiers.

If I remember correct you set your own scrub levels with netbilling, chargebacks could easily get out of hand for the optimistic affiliate program owner :2 cents:

Hi,

There is no need for concern. We have a great support staff and are training more now as well. If you ever have a a need and it is not getting taken care of in a timely manner, you can certainly come directly to me and I will expedite.

Mitch

BTW - we have much more than one tech guy. We have 2 on the phones with clients with a staff of programmers and IT guys behind them.

people on epoch or ccbill tp processing could get cut off just as easy for cbs or anything else that you'd conceivably lose it for. high risk is high risk. if the program is currently doing fine on ccbill or epoch i doub't they'd have any issues on nb. if they don't get too aggressive with a really weak scrub (meaning greedy, and take about every card they can regardless of criteria), then i wouldn't for see anyone having anymore issues that weren't already there. i guess the bottom bottom line is adult entertainment and the processing of it regardless of who is handling the transactions, is a high risk environment in itself in every way.


two cents. :)

Good thread, we need more like this one on the front page..

I believe there is reason for concern. I've had more issues in 2008 globally so far than I've had in all of 2007 across all clients, may of which were actually client (configuration) issues. Obviously there's a lack of resources dedicated to keep things running as well as they were..

I'm not calling you a liar, however I've talked to a total of two people who were capable of, and actually did handle technical issues on the 'front end'. It's nice that you have staff who are dedicated to work on the internals, as it should be - but you're going to need more people facing the front lines.

Any program can lose their merchant account no matter what size they are :2 cents:

What does the "size" of the program have to do with you being worried?

If youmust be worried I would be more worried of the larger ones as there is more money at stake and more chances to create a CB. :2 cents:

Hi,

Thank you for expressing your concern. We have another new tech as well training this week and as I stated, our backend team is incredible. Again, anything you think is taking longer than it should, please personally let me know.

We underwrite merchant accounts for smaller volume deals, or spread clients across multiple merchant accounts in order for them to process smaller volume. The clients we place with Netbilling for their gateway services have very few problems with Mitch and crew. I'm not saying there are never any, as that is impossible, but when they do pop up, a quick email or icq to Mitch or Karen has their people on it pretty quickly and it's usually resolved nearly immediately.

Much appreciated, Mitch. :thumbsup

Anytime and thanks for your input as well.

Mitch

Mitch has always been available for any assistance, i have hit him up for very simple things and he always puts me in contact with the right people and even follows up afterwards.

do u have any e mail address to write to?

that's a little dumb on your part - when a large program with deeper pockets loses their merchant account they CAN and SHOULD reach into their pockets and make settlements with their affiliates for the lost rebills. The affiliate should NOT be assuming the risk for the program owner's processing. A smaller program doesn't have 50-100K in cash if they lose their merchant account to make good with affiliates.

merchant accounts are lost all the time - you dont have a banking relationship wth Netbilling, your relationship is with the merchant bank - you have no clue how long they will stay processing high risk adult and you will have no backup plan in place other than running to Netbilling hoping and praying they can place you with another bank.

CCBILL and Epoch have over 10 years of experience handling merchant accounts - and I am assuming contingency plans for worst case scenarios - guy doing 10K a month in sales has ZERO experience with his own merchant account and no contingency plan.

We constantly help with merchant account establishment and maintenence and very rarely lose a merchant. We have 10 years of experience helping merchants manage their processing while giving the merchants ultimate flexibility and money savings. Out track record speaks for itself and we have merchant processing $10 per month to 8 million per month and in between.

why not team up with MPA3 or NATS and do a hosted affiliate program setup like Epoch and CCBILL offer?

or do it on your own. that would attract people from 3rd party processing.

banks must be getting desperate for biz to be going after smaller porn merchants.

The banks certainly are not getting desperate as we are writing more accounts than ever. Because the banks we work with have the confidence in us to properly manage accounts and to give the merchants the tlls they need to do so as well, they are willing to take chances with smaller accounts now where they were not willing to in the past.

We have been having some conversations with affiliate software providers to offer a hosted solution and will announce when things are finalized.


Mitch

Mutt,

Don't assume too much my friend. Look at IBill for example. Big companies die.

and assuming that a small company couldn't have "contingency capabilities" (as you put it), relative to a large company, I believe to be inaccurate.

The money needed would be relative to the size of the company.

The main expense to keep things going and to save face with your affiliates (since that's the main point here) is:

a:the revshare commissions being paid to affiliates on active members

and/or

b:PPS programs would need the money to cover affiliate payouts for the last current pay period.

So a big company would need more $ and a smaller less $.

big insurance policy - little insurance policy


Cheers,
BV

Bump just cuz..

Thanks for the nice words Kimmy. You are always a pleasure to work with and and one of the most knowledgeable people in the industry as far as merchant accounts and processing go. I hope to see you soon.

Mitch

mitch, can you post up a link to this service with lower floor on transaction requirements?

Checked on website, and i must be missing it.... it should be in like big letters LOL

Fight the 20/40!

Hi,

For adult pay sites, or adult video codnload content, the minimum is 10k per month with 3 months of previous processing history if in the US or $20k for an offshore merchant account. For mainstream, adult tangible products or anything else, there is no minimum or history needed.

Does that help?

Thanks

Thank Rosa,

It is ALWAYS great working with you!

Mitch

This thread title is funny because our summer ad campaign has "Fish" in the theme.

Mitch

Question and an old bump?