CCBILL to charge $500 now

[Mark67]

http://www.ccbill.com/cs/mc_faq.htm

[Mark67]

Q. What is a MasterCard Payment Facilitator?

CCBill is considered by MasterCard to be a Payment Facilitator. Essentially a Payment Facilitator handles the necessary footwork required for processing MasterCard transactions by handling your merchant registrations as well as your transaction authorizations, billing, settlements, and chargebacks for you. Payment Facilitators provide a valuable service to you as a merchant and serve as experts in processing transactions.
Participating in MasterCard’s Payment Facilitator Program will provide a positive impact to consumers by providing better transparency about the Merchants as a part of the transaction. Similar to the Visa Sponsored Merchant program, this type of program helps reduce complaints and chargebacks due to improved clarity to consumers about the entity which charged the consumer’s credit card as well as by providing uniformity of descriptors that appear on the statement. These changes will help expand the level of trust that consumers have in the purchase process.





Q. What does MasterCard consider a high-risk merchant?
MasterCard high-risk merchants differ from Visa high-risk merchants. MasterCard considers merchants to be high-risk if their site offers adult content or dating services. Your site may fall into a high-risk category for MasterCard even if it didn't qualify as a high-risk site for other card types.

You can find more information on the difference between high- and low-risk merchants for different card types in this article: https://www.ccbill.com/cs/wiki/tiki-...sk+accounts%3F






Q. Why do high-risk merchants have to pay an extra registration fee?

The simple answer given by the card associations is that high-risk merchant accounts do cost more for them to manage than low-risk accounts. High-risk accounts often carry a significantly higher chargeback rate and may require stronger monitoring for fraud. Additionally, due to the nature of their business models high-risk merchants also have more card association rules and regulations that must be adhered to. The annual registration fee helps MasterCard to offset the costs associated with high-risk accounts, ensures that participants are responsible industry members and business people, and provides more transparency as well as ensuring stabilization in the industry.






Q. Does this registration fee go to CCBill?

No. While CCBill accepts the fee from you, the entire annual registration fee is immediately sent to MasterCard.






Q. How does the implementation of the MasterCard annual fee affect me?

Beyond the annual $500 fee it should not have any effect on your business at all. CCBill has always managed the details of your MasterCard account for you and will continue to do so. This change should be seamless to you as our Merchant and we are working to make it as simple as possible. The only thing you should notice is the deduction of the annual renewal fee from your account on or soon after the implementation date of May 24, 2013.






Q. Why should I pay the fee to you when I can go get a merchant account and process transactions myself?

There are many reasons for your business to continue using CCBill to process your MasterCard transactions, not the least of which is the expertise and inclusive e-commerce services that we provide. CCBill takes care of all of the technical aspects of processing transactions on your site, as well as the day-to-day needs of transaction processing that happens behind the scenes.

It is also important to note that MasterCard is not just charging this fee to merchants who use a Payment Facilitator; they are also charging the fee to merchants with their own merchant accounts. As a CCBill Merchant your fee to register annually is only $500; MasterCard is charging $1,000 annually to stand-alone merchant accounts.






Q. How do I register to accept MasterCard for transactions with CCBill?

New CCBill merchants can complete the Merchant Application process and agree to the MasterCard terms during that process. If you are an existing CCBill merchant and wish to add MasterCard processing to your CCBill account, please contact CCBill Merchant Support.






Q. Who has to register with MasterCard?

A CCBill merchants who accept MasterCard for payment or who wish to add MasterCard as a payment option for their transactions with MasterCard.






Q. Do I have to pay an annual registration fee to accept MasterCard for transactions?

If you are a high-risk merchant you will have to pay a $500 annual fee to MasterCard in order to be able to process MasterCard transactions.






Q. Do I have to pay an annual fee for each URL I own?

No. MasterCard requires the annual registration fee be paid for each Merchant’s account. This single fee will enable you to accept MasterCard for processing on your main account and all of your subaccounts.






Q. When do I have to pay the fee?

You will have to pay the initial $500 annual fee upon initial registration with MasterCard, as well as a $500 renewal fee every year on the anniversary date of your initial registration.






Q. How can I pay the annual registration fee?

When you register with CCBill as a MasterCard Merchant you will be sent an email that will provide you with instructions for payment of your MasterCard Fee. If you are an existing CCBill merchant already accepting MasterCard the fee will be deducted from your account.






Q. Can I pay the fee in installments?

That may be an option for your annual renewal depending upon your sales volume and other factors, but the initial annual fee must be paid in full. Please contact CCBill Merchant Support to determine if you are eligible for this payment method.






Q. I use multiple MasterCard Payment Facilitators to process transactions. If I pay the fee to you, can you notify the other Facilitators that I’ve already paid so I don’t have to pay it again?

Unfortunately MasterCard requires that you pay the fee both separately and annually with each MasterCard Payment Facilitator, and the fees are not transferrable.






Q. Can I pay the annual registration fee directly to MasterCard?

No. MasterCard will only accept the fee from your Payment Facilitator (CCBill).






Q. If I’m already registered with/paying an annual high-risk merchant registration fee for VISA, do I have to register with MasterCard separately?

Yes, MasterCard and VISA are separate entities and both now require separate registration for all merchants and the payment of a separate fee.






Q. I live in the EU and Visa doesn’t make me pay an annual fee, is it the same with MasterCard?

No. MasterCard requires a recurring annual fee for high-risk clients in all regions, even if your business is in the EU, while Visa only requires the fee for users in certain regions.






Q. I’ve activated MasterCard processing with CCBill. Do I have to do anything to register with a bank?

No. CCBill will handle the registration for you.






Q. Can I register to accept MasterCard if I’m outside the US, Canada, and EU?

No. At this time we do not work with any banks outside of the US, Canada, and EU regions.






Q. My business is located outside of the US, Canada, and EU regions and I currently accept MasterCard. How will this affect me?

You will no longer be able to accept MasterCard for payment beginning May 24, 2013. If feasible, relocating your business HQ to one of those covered regions would enable you to begin accepting MasterCard again.






Q. I have a high risk account and I don’t want to pay the fee, how do I opt-out of MasterCard acceptance?

A. Please contact CCBill Merchant Support for assistance with cancelling your MasterCard service.






Q. I forgot to call and cancel my MasterCard subscription prior to the May 24, 2013 implementation date. Can I get my money back?

No. Annual registration fees paid to MasterCard and are non-refundable.






Q. I have elected not to continue accepting MasterCard for payment; do I have to do anything to my payment forms to remove the feature?

No. Once you have opted out of MasterCard acceptance we will remove the MasterCard logo from all of your CCBill payment forms automatically.

[Mark67]

Q. I am discontinuing MasterCard processing on my account. What will happen to my existing subscriptions that pay with MasterCard?

Consumer subscriptions with recurring payments billed to MasterCard will be cancelled if you do not pay the MasterCard registration fee.






Q. How long does it take for my account to be approved by MasterCard?

You should be able to start processing MasterCard transactions within two or three business days under normal circumstances.






Q. How will my MasterCard transactions show up on consumers’ credit card statements?

All transactions display on consumers’ credit card statements as CCBill.com *[first 12 characters of merchant’s company name]. This is called a Dynamic Descriptor. The Dynamic Descriptor appears on statements along with the CCBill Consumer Support phone number.






Q. I want to pay the fee and continue processing MasterCard, what do I need to do?

It would be a good idea to make sure that all of your contact information on file is up-to-date and that your business name on record is the way that you want it to appear on consumer’s statements. Other than that, there isn’t much you need to do. CCBill is handling this transition on the assumption that you want to opt-in to the service if you already have it so as to prevent the cancellation of any of your recurring subscriptions that use MasterCard for payment. If you want to keep using the service, simply do nothing and we will handle the registration process for you and the initial annual registration fee will be deducted from your CCBill account on or about May 24, 2013. To update your contact information or to inquire about your current Dynamic Descriptor, please contact CCBill Merchant Support.






Q. Where did Search and Shop go?

As the business needs of our Merchants changes over time our business model also must change to meet the needs of our clients. These changes have resulted in the removal of the Search and Shop feature and are a direct result of our continued effort to meet the current and future needs of our merchants.

[OldJeff]

Allow me to translate...

CCBill is being charged $500 by Mastercard for every account. They do not want to continue to lose money on sites that do not process more than $500 per month

[tony286]

In reality imagine how different the space would of been if from the start you had to pay $1500 to start a site.
Who knows,I will pay it.I really have no choice.There is nothing, Ive ever seen on Visa or Mastercard sites about these fees. The cb ratio is very very low and there is a lot less volume than there once was so I dont understand the whole there is alot more work to do. So it makes me go hmmmm.

[Mark67]

Originally Posted by tony286

In reality imagine how different the space would of been if from the start you had to pay $1500 to start a site.
Who knows,I will pay it.I really have no choice.There is nothing, Ive ever seen on Visa or Mastercard sites about these fees. The cb ratio is very very low and there is a lot less volume than there once was so I dont understand the whole there is alot more work to do. So it makes me go hmmmm.

A lot of people have more than one processor. This is bound to affect the small processing firms.

[DWB]

Originally Posted by tony286

Ive ever seen on Visa or Mastercard sites about these fees.

The entire porn industry and every company involved in it makes a living from people fucking. I never expected the fucking to end when the cameras turn off.

[DamianJ]

I thought using a fake nick to evade a banning was a really bad thing to do, DVTimes?

[Mark67]

Originally Posted by DWB

The entire porn industry and every company involved in it makes a living from people fucking. I never expected the fucking to end when the cameras turn off.

Yes

Very well said.

[EddyTheDog]

Originally Posted by DamianJ

I thought using a fake nick to evade a banning was a really bad thing to do, DVTimes?

I am voting we get DVT back and lose you - You seriously need to get a life.

[Mark67]

Originally Posted by DamianJ

I thought using a fake nick to evade a banning was a really bad thing to do, DVTimes?

I read on the UK forum you claim I am Dvdtimes.

Sorry, not him.

But keep on working it out.

https://gfy.com/showthread.php?t=1099961

[Mark67]

Originally Posted by EddyTheDog

I am voting we get DVT back and lose you - You seriously need to get a life.

I think we should bring Paul back to be honest (I bet Damian will say I am him). I like Paul and used to find him fun.

OK, he used to post lots of junk and often too much. But still he was fun.

[EddyTheDog]

Originally Posted by Mark67

I think we should bring Paul back to be honest (I bet Damian will say I am him). I like Paul and used to find him fun.

OK, he used to post lots of junk and often too much. But still he was fun.

Don't push it, you are DVT - I just find DamianJ more annoying ATM...

[Mark67]

One good thing is that its not per site.

This will be bad though to those who have set up lots of sites and a separate ccbill account for each.

[DamianJ]

Originally Posted by Mark67

I think we should bring Paul back to be honest (I bet Damian will say I am him). I like Paul and used to find him fun.

OK, he used to post lots of junk and often too much. But still he was fun.

No, you're DVTimes, Paul has a different fake nick.

Try not writing in the same style, and posting the links you post as DVTimes. It will make it much less obvious you are breaking the rules by using a fake nick to evade your DVTimes account being banned.

[DamianJ]

Originally Posted by EddyTheDog

I am voting we get DVT back and lose you - You seriously need to get a life.

Moaning about someone you don't like on the internet when all you need to do is put that user on ignore is fucking pathetic.

Don't like me or my posts, don't read them.

Making multiple posts moaning about me is just so gay.

Get a life.

(or some new meds or booze or whatever you are using to deal with your problems this week).

[tony286]

As I think about it, have do charge backs cost more? There are no fighting chargebacks in porn its bendover and take it.

[signupdamnit]

Thank the industry scumbags like 12clicks and his agamegirlz.com crap for this. If the shitheads keep it up you'll probably have to pay $10,000 a year to process adult transactions so that a compliance team can manually check things out every week.

But keep accepting those drinks and defending those bros.

[EddyTheDog]

Originally Posted by DamianJ

Moaning about someone you don't like on the internet when all you need to do is put that user on ignore is fucking pathetic.....

You have to be joking....

[signupdamnit]

Originally Posted by tony286

As I think about it, have do charge backs cost more? There are no fighting chargebacks in porn its bendover and take it.

Imagine all the calls they get about schemes from industry scumbags who bang cards with cross sales and other crap though.

I would say the same thing as you but then when you see some of the scumbag shit people in our industry are doing such as setting up mainstream sites for the sole purpose of getting around bank restrictions and protections against adult cross sales you realize that it's a wonder Visa/MC aren't doing more.

[EddyTheDog]

Originally Posted by signupdamnit

Imagine all the calls they get about schemes from industry scumbags who bang cards with cross sales and other crap though.

I would say the same thing as you but then when you see some of the scumbag shit people in our industry are doing such as setting up mainstream sites for the sole purpose of getting around bank restrictions and protections against adult cross sales you realize that it's a wonder Visa/MC aren't doing more.

I imagined all the scammer sites are refunding complaints and avoiding CBs that way.

You cant CB until you have complained to the merchant.

[tony286]

Originally Posted by signupdamnit

Imagine all the calls they get about schemes from industry scumbags who bang cards with cross sales and other crap though.

I would say the same thing as you but then when you see some of the scumbag shit people in our industry are doing such as setting up mainstream sites for the sole purpose of getting around bank restrictions and protections against adult cross sales you realize that it's a wonder Visa/MC aren't doing more.

you have a point, its the sad truth.

[makeabuck]

Originally Posted by EddyTheDog

I imagined all the scammer sites are refunding complaints and avoiding CBs that way.

You cant CB until you have complained to the merchant.

Seriously?

[EddyTheDog]

I imagined all the scammer sites are refunding complaints and avoiding CBs that way.

You cant CB until you have complained to the merchant.

Originally Posted by makeabuck

Seriously?

Tell me how it works then....

[VIXEN ESCORTS]

No he's not. DVT is not here, MARK67 is DAMIANJ

Originally Posted by EddyTheDog

Don't push it, you are DVT - I just find DamianJ more annoying ATM...

[fitzmulti]

Just to note:
CCBILL is NOT the one charging the $500 fee, as this thread title says.
It is MASTERCARD.
And, it is bullshit, robbery, just like VISA charging it.

[BFT3K]

Will this change effect Verotel in any way?

If not, then maybe it's best to use the $500 towards a Verotel account, as a second biller, and just drop M/C from CCBill?

For virtually the same rate as keeping M/C with CCBill you can just add a second processor insead, which may be a better decision anyway, especially on the days that CCBill goes scrub-crazy.

Thoughts?

[EddyTheDog]

Originally Posted by VIXEN ESCORTS

No he's not. DVT is not here, MARK67 is DAMIANJ

That's out there - but I can see it - The guy is obsessed...

[Barefootsies]

If you do not like it, go get a merchant account for your adult processing. Then you'll really have something to cry in your beer over.

It sounds like a lot of people in this thread are going to do less posting on the GFY and more focusing on a full day of work. Ya know... something that resembles actually running an real business like a professsional. If $500.00 from MC or VISA is breaking you, it would appear you need to reevaluate your "business'.

[DamianJ]

Originally Posted by VIXEN ESCORTS

No he's not. DVT is not here, MARK67 is DAMIANJ

Hi Paul!

[DamianJ]

Originally Posted by Barefootsies

If you do not like it, go get a merchant account for your adult processing. Then you'll really have something to cry in your beer over.

It sounds like a lot of people in this thread are going to do less posting on the GFY and more focusing on a full day of work. Ya know... something that resembles actually running an real business like a professsional. If $500.00 from MC or VISA is breaking you, it would appear you need to reevaluate your "business'.

[BFT3K]

Originally Posted by Barefootsies

If you do not like it, go get a merchant account for your adult processing. Then you'll really have something to cry in your beer over.

It sounds like a lot of people in this thread are going to do less posting on the GFY and more focusing on a full day of work. Ya know... something that resembles actually running an real business like a professsional. If $500.00 from MC or VISA is breaking you, it would appear you need to reevaluate your "business'.

That's a pretty idiotic statement. Nobody wants EXTRA fees, no matter if they can afford them or not.

The idea that Visa wants $750 as an application fee for a start-up is already absurd, but then when they want AN ADDITIONAL $750 p/processor to re-evaluate THE SAME SITES a second, third, forth time, is nothing short of extortion.

And now MasterCard wants some of the phony pie too, and some people want to mock small programs, rather than fight the greed?

I'll pay the stupid $500, but I don't want to, and I think it's a fucking greedy grab.

If the powers-that-be tell you that you now have to pay an extra $500 a year for your driver's license renewal, are you supposed to be happy about it?

In NJ we have a $600 p/year Corporate Business Tax, which simply allows you to be a business in the sate of NJ. You have to pay it, but you don't have to be happy about it.

The biggest problem in this idiotic business is everyone talks tough, but in the end everybody here just bends over like spineless assholes.

Oh look, tube sites steal our content and fuck us over, what should we do? Oh, I know, we should create our own tube sites and do more of the same.

Oh look, another credit card company wants to steal another $500 from me, that's cool, maybe I should also make fun of everyone else they are fucking over too, in another gutless act of sacrificial solidarity.

Pathetic.

[Mark67]

Originally Posted by VIXEN ESCORTS

No he's not. DVT is not here, MARK67 is DAMIANJ

You found me out.

I think you are realy James Brown the singer.

[Mark67]

Originally Posted by DamianJ

No, you're DVTimes, Paul has a different fake nick.

Try not writing in the same style, and posting the links you post as DVTimes. It will make it much less obvious you are breaking the rules by using a fake nick to evade your DVTimes account being banned.

No

I am DamianJ.

I think you are Paul.

[Mark67]

Originally Posted by Barefootsies

If you do not like it, go get a merchant account for your adult processing. Then you'll really have something to cry in your beer over.

It sounds like a lot of people in this thread are going to do less posting on the GFY and more focusing on a full day of work. Ya know... something that resembles actually running an real business like a professsional. If $500.00 from MC or VISA is breaking you, it would appear you need to reevaluate your "business'.

Its like saying we should all pay more tax.

Lets break this down. MC are asking us to pay $500. Can I ask are they asking non porn sites for $500? If not, why not?

Sure, I know some of you will be thinking that its worth paying as it will put others out of business who cannot afford it or willing to pay for it.

Why not make it $5000 or $50000.

[BFT3K]

Originally Posted by Mark67

Its like saying we should all pay more tax.

Lets break this down. MC are asking us to pay $500. Can I ask are they asking non porn sites for $500? If not, why not?

Sure, I know some of you will be thinking that its worth paying as it will put others out of business who cannot afford it or willing to pay for it.

Why not make it $5000 or $50000.

Exactly, why not $50,000? Can't afford it?

Then maybe you should just work at McDonalds.

Durpty durpty durp...

[Mark67]

Originally Posted by BFT3K

Exactly, why not $50,000? Can't afford it?

Then maybe you should just work at McDonalds.

Durpty durpty durp...

I think it should be $500000 a week and a kick in the face every Friday.

[adultmobile]

Will be there a poll like for Epoch "will you drop CCBill due to MasterCard fees" ?

[mikesouth]

I spoke with an attorney years back who specializes in Class Action suits against credit card companies.

His assessment was that the high risk fees were absolutely actionable and it would be a slam dunk to get every dime refunded in a class action suit.

BUT

The downside is that Visa (and now MC) would most likely stop processing for adult

[tony286]

Originally Posted by BFT3K

Will this change effect Verotel in any way?

If not, then maybe it's best to use the $500 towards a Verotel account, as a second biller, and just drop M/C from CCBill?

For virtually the same rate as keeping M/C with CCBill you can just add a second processor insead, which may be a better decision anyway, especially on the days that CCBill goes scrub-crazy.

Thoughts?

Verotel doesnt charge the fees which is confusing if this is a mc/visa thing.

[Mark67]

Originally Posted by mikesouth

I spoke with an attorney years back who specializes in Class Action suits against credit card companies.

His assessment was that the high risk fees were absolutely actionable and it would be a slam dunk to get every dime refunded in a class action suit.

BUT

The downside is that Visa (and now MC) would most likely stop processing for adult

I hardly think they would as it would loose them millions.

Why cannot ccbill set up there own credit card business as they must have the funds to do this.

[Supz]

Thanks for the old news we havent been waiting for because we already knew about it. Groundbreking.

[femdomdestiny]

So wtf changed that until now there were no fees and now they are suddenly here? Maybe their advice is to raise membership cost or simply give all content for tubes, for free.

[Robbie]

Originally Posted by tony286

Verotel doesnt charge the fees which is confusing if this is a mc/visa thing.

I think it's a U.S. Visa and MC charge.

Zombaio doesn't charge those fees either.

As far as I can tell, it's just U.S. based banks that do.

So I have to pay it on my merchant account (because I deliberately chose a U.S. bank for it), but not on my Zombaio processing because they are European (at least so far it's not being done)

But at least with my U.S. processing my money is going straight into my bank account and not being screwed with by a third party processor and making THEM rich (CC Bill for instance)

[corvette]

Originally Posted by OldJeff

Allow me to translate...

CCBill is being charged $500 by Mastercard for every account. They do not want to continue to lose money on sites that do not process more than $500 per month

they make like 13% off of the sales, and after hard costs, straight overhead, etc, they make 1-3% profit, so they may need to have clients do 17-50k in MC sales just to break even on the $500 cash they have to pass over to MC

now consider that MC is maybe 32% or so of total sales, they would just break even (no profit) off of MC sales for clients that do 50k-150k in processing a year

im probably off a few % here and there above, but id be suprised if any US processor can legitimately eat that fee across the board

[mikesouth]

If all they really make is 1-3% profit somebody over there is a HUGE fuckup they should be making 30% Minimum...I aint buying that 1-3% number

[Barefootsies]

Originally Posted by mikesouth

If all they really make is 1-3% profit somebody over there is a HUGE fuckup they should be making 30% Minimum...I aint buying that 1-3% number

Oh shit! It sounds like time for another 'mouth of the south' investigation....

[nikki99]

Originally Posted by Robbie

I think it's a U.S. Visa and MC charge.

I hope so

[Mark67]

Originally Posted by nikki99

I hope so

Q. I live in the EU and Visa doesn?t make me pay an annual fee, is it the same with MasterCard?


No. MasterCard requires a recurring annual fee for high-risk clients in all regions, even if your business is in the EU, while Visa only requires the fee for users in certain regions.

http://www.ccbill.com/cs/mc_faq.htm

[Mark67]

Q. My business is located outside of the US, Canada, and EU regions and I currently accept MasterCard. How will this affect me?


You will no longer be able to accept MasterCard for payment beginning May 24, 2013. If feasible, relocating your business HQ to one of those covered regions would enable you to begin accepting MasterCard again.

http://www.ccbill.com/cs/mc_faq.htm