Ibill way down...?

[Bezel]

Just wondering if anyone else see a major decrease in signups with ibill in the last couple of weeks?
Seems they´re scrubbing the creditcards very hard now.

[Bigsano]

YES ! it's true http://bbs.adultwebmasterinfo.com/ubb/frown.gif

[evil]

yes

[koon]

i tried to sign up sites with ibill ... and some others ... i cant able to sign up with all my credit card ... i think they have some problems with credit card

paycom did work on me ... but most others service like i bill that require the 3 number on the back of your card ... is not wokring

[Due]

Could be why my visa did not work with CCbill yesterday http://bbs.adultwebmasterinfo.com/ubb/frown.gif
very annoying and just received some standard reply from CCbill

[diesel]

I tested all bill companies witn my visa 2 weeks ago and only with SunBill I could make a signup.(Sunbill known as a CC processor of all illegal sites on the net http://bbs.adultwebmasterinfo.com/ubb/frown.gif )

[Doctor Dre]

HELLLLLLLL YEAH ! no fucking signups from my main banner ... normally pulling 4 to 12 per day . My min for the past 2 moths were like 3 . And I got none for the past 4 days . A few with my other sponsors .

[mukoh]

Well, my revshare account with ibill is doing as good as it was last month. No change. But i do know that ibill scrubs more as of like a few days ago. Its a sad fact but it is better in the longrun.

[evil]

stupid question... what is that "scrubbing"? :-) I've read it here few times and still can't figure out what is it about...

[*Kimmykim*]

evil,
Scrubbing is the term for weeding out fake and fraudulently used cards from good transactions. Many factors go into scrubbing and not all processors do it the same way -- so someone that we (CCBill) might pass another company might decline or vice versa.

In addition to scrubbing (which in most cases should account for a very very small percentage of the total declines) you have a variety of reasons that the bank will turn down sales -- these include --
1. bad card
2. not enough credit on the card
3. card holder late on payments
4. cardholder has chargebacks (yes they are finally starting to see the light lol)
5. could not get an answer from the card issuing bank

there are about 70 different bank reasons for turndown, some considered hard -- as in card expired or chargebacks, and some considered soft -- not enough credit, over the limit, etc -- and in our particular case, soft declines are rebill are tried again after a period of days (which is why sometimes rebills seem to be behind) --

So there are the basics --

oh and due -- if you want me to look into why your card was declined email me -- we don't turn down valid cards without a really good reason (the bank only http://bbs.adultwebmasterinfo.com/ubb/wink.gif ), especially those that pass scrubbing --

[evil]

kimmy thanks for explanation http://bbs.adultwebmasterinfo.com/ubb/smile.gif

[merlin]

Well, from about the 5th of May I saw my signups drop by about 25% with Ibill.

I have been using Ibill for over a year and they have been great, but this is not good.

It may be cvv2 as my old processor bought this in a year ago and it hurt my signups but others saw no decrease in signups.

I have e-mailed ibill to ask the date cvv2 got introduced, my decline %, but a over a week later and no real response so might have a look at CCbill.

All credit to Kim for comming on these boards and helping out, it makes ccbill look attractive, but their is only one way to know I guess, test 'em out.

Will e-mail you with some questions within the next week Kim.

[mukoh]

merlin
from what i know ccbill uses ccv2 also.

[Labret]

Not to be a jerkoff and piss on the fire, but my iBill signups have actually been up this last week.

I notice iBill goes thru periods or scrubbing, and then some days it seems they dont scrub so hard. iBill has been a wild ride lately.

[Jerzy]

<font face="Verdana, Arial" size="2">Originally posted by *Kimmykim*:
oh and due -- if you want me to look into why your card was declined email me -- we don't turn down valid cards without a really good reason (the bank only http://bbs.adultwebmasterinfo.com/ubb/wink.gif ), especially those that pass scrubbing -- </font>

btw.KimmyKim..why ccbill doesn't accept ccs from Poland?..I have no problems with Ibill, Lancelot Security....and few others cc proccessors..but why ccbill have never accepted my visa?

[merlin]

mukoh,

yeah saw that, some older clients pages do not require cvv2 though, thanks though!

[Due]

<font face="Verdana, Arial" size="2">Originally posted by *Kimmykim*:
oh and due -- if you want me to look into why your card was declined email me -- we don't turn down valid cards without a really good reason (the bank only http://bbs.adultwebmasterinfo.com/ubb/wink.gif ), especially those that pass scrubbing -- </font>

I just tried several processors and all declined me so I called my bank to hear WTF was going on and they said something about a monthly "max" Visa put on the cards for foreign transactions. Apparently I reached that max http://bbs.adultwebmasterinfo.com/ubb/biggrin.gif They said they would reset it and I should be good to go in 10 min from now so going to try again http://bbs.adultwebmasterinfo.com/ubb/biggrin.gif

[battuss]

Well, my first contact with ccbill was a mail i sent more than a week ago and they dont seem to bother replying.

[evil]

Due what is that "max"? Is it some global thing or just your bank's? And I can't see its purpose, if they can reset it for you at any time, there is no reason to set it... http://bbs.adultwebmasterinfo.com/ubb/smile.gif

[Due]

<font face="Verdana, Arial" size="2">Originally posted by evil:
Due what is that "max"? Is it some global thing or just your bank's? And I can't see its purpose, if they can reset it for you at any time, there is no reason to set it... http://bbs.adultwebmasterinfo.com/ubb/smile.gif</font>

The Max is around $1700-2000 or so.
Think it is global but not sure.
It is pretty normal here in DK I think since there is no "credit limit" on the cards.
You can easily use your Visa even though it is over the limit here so guess that is why they have that limit.
They have some pretty weird rules... IE. you can go by a car to mayby $5000 on your visa but you can't withdraw more than mayby $500 / day from ATM machines

[Due]

HAHA.
"Visa even though it is over the limit here so guess that is why they have that limit."
I meant. Even though there is no money on your account you can still use the card so that is the reason they have that limit I guess

[evil]

I see http://bbs.adultwebmasterinfo.com/ubb/smile.gif

[Pic Farm]

In another post I mentioned how iBill screwed up our order big time. Heck, our support address was listed as support@yahoo.com. 1 out of 5 billing options work. telephone support sux, and it took them over a week beyond our scheduled setup time to be activated.

All the wait for a screwed up order. I would not touch them with a ten foot pole.

Bill

[*Kimmykim*]

Poland may be in our list of banned, I don't have it here at home. There are not that many on our list and I'm sure that in some cases its not fair to the honest people of a country (as a matter of fact we've had this discussion previously) but the fact remains that we (and other companies) have to make decisions that we consider to be in the best interest of our clients. Maintaining a low cb ratio and keeping a handle on cancels and credits is a primary factor in our decisions. We feel that if the webmaster nets the same or more without going through the rigamarole of excessive cb's or cancels (not to mention the fact that the bank does penalize for cb's, something that third party processors don't pass along currently that I know of) then we are doing our job well.

Now onto CVV2 -- and I can only speak for our particular situation. Unless the paysite owner requests we activate it as a condition for approval it is simply an option.

If a card is at the marginal point -- one that could go either way then we check the CVV2 for a match. If its correct then it's usually enough to push the transaction into the sale status. If it's missing or incorrect it's probably going to push it to decline. That is all we currently use it for as a standard http://bbs.adultwebmasterinfo.com/ubb/smile.gif

[merlin]

Here is a question I asked my ibill account rep out of interest after readying Kim's posts:

Q)what is my account denial rate/% with CC signups on average.

(one week later)

A) "What do you mean "denials"? Do you mean the declines?"

SO I confirmed, yes I mean declines, (I really thought they would have understood what I meant!)

Another week later.....

A)"An actual listing of declines are not
available".

I never asked for a list of declines but an average percentage... Makes me think they do not want to answer the question as it was pretty clear. I even told them to just say no if they would not give me the info.

I hate being screwed around.....

Also

Labret wrote:
"I notice iBill goes thru periods or scrubbing, and then some days it seems they dont scrub so hard. iBill has been a wild ride lately."

I totally agree, weird, huge variations in sales compared to any other month. I have more traffic from the same source so quality is the same. It's really getting annoying... Though This last weekend was huge ...

I have found ibill great until last month, before that I was very happy with them indeed.

Hopefully it will settle down again but am going to give CCbill a shot with some traffic to compare..

[kong]

My conversions with sponsors using IBill have gone to shit the past 2-3 weeks.

Kong

[*Kimmykim*]

for some odd reason I'm thinking you want to ask your IBill rep about your 'web bad' page -- I've been under the impression they give you your declined traffic and that's what it's called when they do --

I could be wrong, I don't work there but I still thought they did this --

[merlin]

Your correct Kim it is called a Webbad page, on Ibill's site it says to e-mail support@ibill.com and they can add check signups for any CC signups that decline to your CC webbad page, does not say if they will let you send them to another processor or not so I will e-mail and find out.

Thanks for the e-mail aswell, will signup today!

[*Kimmykim*]

Can't speak for IBill on specifics but I'll tell you how ours works so I figure they must be somewhat similar --

you specify the url that you want the declined traffic to go to -- one of your own pages -- you could have a secondary processor, a check processor, a dialer, a 4free type site, or a picture of a hill of magic beans on the page... it's your page, as far as we're concerned they are your customers -- HOWEVER -- the cc number doesn't pass on thru no matter how it's scripted from us.

Visa and MC are very very plain and specific about disclosure and the consumer is supposed to be notified PRIOR to a transaction attempt who the biller will be.

I'll get your email first thing in the morning, it just happens to be 2:30 and I can't sleep http://bbs.adultwebmasterinfo.com/ubb/smile.gif

[*Kimmykim*]

We do checks too btw, not just Visa/MC/Discover/JCB --

I realized reading my last post that it could be implied that we didn't --

[merlin]

Just thought I would let everyone know how I found the ccbill setup process, and I am happy to say they were very fast (all done within 12 hours!) it would have been even faster but I made an error with my ftp data I gave them...oops!

I will start trying them out in about a week so it should be interesting, but all credit to them to start with, I am most impressed.

Nice to post a positive comment an a cc processor for a change!