We ARE loosing money when CCBill's involved....

[dummy_d]

I am really pissed at this.... CCBill keeps rejecting my valid CC. Wonder why? I can't be the only one experiencing this.... I heard about others having "strange" problems with good cards as well...

This card of mine works very well everywhere else, with no history of chargebacks or the like, with OK credit. But CCBill keeps turning it down when I use it via them. Over latest half year I've tried several places for several different signups, when CCBill's being the processor there's absolutely "no luck".

Recent transaction try of mine was Oct. 8, 9.24 PM CEST. This has later been tracked down by MasterCard as they were inquired by CCBill at this time, and they actually gave green light for a transaction of $99!!!! What did CCBill do? They wrote: "Sorry, we are unable to process your submission. Reason: Card declined at Pre-Auth bla bla bla".

I've asked CCBill for help in this before... and they really can't bother to help... I wanna tell U guys CCBill really must have problems accepting good money. Besides it's annoying as a customer we also loose money from our surfers signups. That's a fact. I dunno why they have problems, maybe they don't know why either. Fact is their "system" DOES NOT work well.

Everyone else with alike problems should let their CC company know about it - let them know CCBill makes you to have troubles using their cards. Why? CCBill should understand that if enough people have troubles they are done accepting some serious companies cards. Maybe then we will make the money from our jobs as we really deserve.

Thank you for reading.

[Mole]

I've also experienced exactly same problems.

This is especially a problem for non US cards.

The only solution I can think of is that you use all CCBill, iBill and GloBill at the same time.

That way, if there's problem with on processor, chances are that it'll probably work with the other one.

[dummy_d]

Forgot this: Also let the company that loose the signup know about the problems + that they at least should use more than CCBill if they wanna earn as they ought to. That way CCBill might at one point see the need to take action to solve their problems - if they wanna survive that is...

[toker]

The scrubbing is only in their favor period keeps their chargebacks low and keeps them in favor of the CC companies. Truth it saves them money but costs everyone however they make it up in volume and webmasters are the ones who suffer the most.

[gse]

well, those of you who complain that much I bet don't know shit about how third party credit card processing companies operate. Open your paysite with your own merchant account - you will figure it out.

There is a reason why they mantain their maybe large negative database. Don't know about now, but it 1999 fine for chargebacks was as high as $50 to $100 per occurence. Plus certain chargeback to sales ratio you must mantain or get your account frozen by the bank.

recall what happened to DMR for example...

[asshost]

I have the same problem on our site. We sell 7000 pics for $99.00 and I wondered why are sales were not what we had projected. I tried to make a purchase myself with my company card that is definately good and I got declined. Go figure. I am going to add more processors today.

[shunga]

Which would you prefer?

a) More cards accepted, more chargebacks
b) Fewer cards accepted, fewer chargebacks

A processor will stay in business longer, and credit card companies will continue with the adult business, if they use the second option and are careful with their scrubbing.

And I'm sure CCBill and other processors are constantly working on their systems. The more we make, the more they make, of course.

[Mole]

I can understand if it's with cards which have been bad or problems before.

But with cards which never previously been used online before get rejected, something is definitely wrong with their algorithm.

[renpost]

my cards were both declined at cc bill i tried for 7 days straight to buy the ucj software it did actually go through but it took 7 seperate days on 2 cards there should be no reason for this because my card has credit and ive never placed a chargeback ive never had my cc declined at ibill yet though but today is the 3rd day in a row where ibill is down somethings gotto be done about these processors

[Dawgy]

Originally posted by renpost:
<STRONG>my cards were both declined at cc bill i tried for 7 days straight to buy the ucj software it did actually go through but it took 7 seperate days on 2 cards there should be no reason for this because my card has credit and ive never placed a chargeback ive never had my cc declined at ibill yet though but today is the 3rd day in a row where ibill is down somethings gotto be done about these processors</STRONG>

i agree i think they scrub too hard. chargebacks or no. by the way, your lack of punctuation is inspiring :D

[andy2000]

When I have tryed to use my cards with ccbill they have been rejected many times, more recent transactions have been aproved if small bet any large transactions will be declined. Other companys do take my cards. Yes I think ccbill scrub way to hard.

[donger]

jason overholser-
did you go to windsor hills elementary in oklahoma city? i may have gone to elementary school with you, heh

donger

[renpost]

Dawgy atleast I dotted my i's and crossed my T's =P

[matuloo]

Well, I have an opposite problem :)
My card never works with Ibill but it always does wit ccbill.

[dummy_d]

Surely the processors have to protect their interests using scrubbing. No doubt about that. I see the connection as why that point is raised. Still, fact is very simple this:

1. Card's good. No bad history. Details good. Bank gives green light to CCBill.
2. CCBill decides to decline.

Result: (Yes, maybe because of the urge for scrubbing the system malfunctions). But having above scenario I will say fact is some thing in the system is not working correctly. Scrubbing or no scrubbing, it can't be right good cards and good cc customers need to have trouble is there? I am obviously not the only one, so you, me, CCBill, we all, are loosing good money because the processor can't do what they are supposed to do.

They should work more on their systems then.

[ProgGod]

Well sometimes they do make mistakes with scrubbing or take it to far.. I don't know if you guys knew this but for a while IBill wouldn't take any BofA visa debit cards.

They are only the largest bank in the united states, and the own true nationwide bank.. But who cares about that :)

[Jaiden]

Originally posted by gse:
<STRONG>
recall what happened to DMR for example...</STRONG>

How dare you bring up DMR! ;)

God, what a nightmare that was. Lots of companies went out of business that year.

[Bear]

Yeah, my surfers told me they are having problem to join even if their card is good. My site is using ibill.

I am thinking to use paypal for my site too, what you guys think?

I would also like to know will ibill treat different sites differently? Like some sites with better record can accept more cards and some sites with bad record will have more limitation to accept credit card.

[deliriumtremens]

I had 2 problems with CCBill.

1) They did not accept my credit card many times.
2) I cancelled my account, but they kept billing me.

[John_Little]

Originally posted by shunga:
<STRONG>Which would you prefer?

a) More cards accepted, more chargebacks
b) Fewer cards accepted, fewer chargebacks

A processor will stay in business longer, and credit card companies will continue with the adult business, if they use the second option and are careful with their scrubbing.

</STRONG>

I go with:
b) Fewer cards accepted, fewer chargebacks

I have not had a problem with CCBILL, but I'm from the US. I know they must scurb a lot harder if you are using an International Credit Card. If not they would go over the Visa/MC threshold and have their accounts closed.

I have found sending my international traffic to a dialer and sending the US customers to Credit card form frist then to a dialer works best for me.

John

[cynthia]

I signed up for a site using IBill, stayed for a month then cancelled the membership. However, I continued to get charged for an additional two months. I called up the number on my statement and had the charges removed. I later received a confirmation email that I had been refunded the $50 or so dollars, but that the card I used was now added to their "bad" database.

The only problem with that particular credit card number is that it's account holder didn't want to pay fraudulent charges.

There is any number of resons why a card is added to a negative db - I know that with ccbill, the webmaster of the site itself can manually add any account they want.

I think PayPal is a good option. For how long have you heard people talk about having a 3rd party, non-associated "smart-card" or token-type system in place to handle signups? It looks like Pay-pal might step in to fill that void, and because of their "non-porn" association, they will probably be viewed as more trustworthy by surfers reluctant to join by conventional means.

[shunga]

Originally posted by cynthia:
<STRONG>There is any number of resons why a card is added to a negative db - I know that with ccbill, the webmaster of the site itself can manually add any account they want.</STRONG>

I don't think that's the case.

<STRONG>I think PayPal is a good option. For how long have you heard people talk about having a 3rd party, non-associated "smart-card" or token-type system in place to handle signups? It looks like Pay-pal might step in to fill that void, and because of their "non-porn" association, they will probably be viewed as more trustworthy by surfers reluctant to join by conventional means.</STRONG>

I wonder whether CCBill and IBill will add that option themselves. That could be a good option to have.

[cynthia]

I KNOW that that's the case, as I use CCBill for my site's processing.

Of course, you can't randomly add CC numbers, but if I manually refund an account, I have the option of adding that card to the negative database. Whether it's an automatic process or if CCBill reviews each manual add I can't say.

[copland]

Originally posted by shunga:
<STRONG>Which would you prefer?

a) More cards accepted, more chargebacks
b) Fewer cards accepted, fewer chargebacks

</STRONG>

c) All valid cards accepted, higher holdbacks.

CCBill have rejected nearly 50% of all sales for me this week. If they're stolen that's fine. If they're not, who are they to judge whether or not someones going to make a chargeback?

If it's a valid card, I want a sale. That's the way shops work. Most chargebacks are probably entirely legitimate anyway. 3 day trials which require 24 hour notification are 2 day trials, fact of life. How can anyone be blamed for making a chargeback on a full months susbcription because they cancelled on the third day? And why should people like me have to suffer because some wankers are out to rip people off?

I'm trying to earn a living!

[shunga]

Originally posted by cynthia:
<STRONG>if I manually refund an account, I have the option of adding that card to the negative database.</STRONG>

I have never issued a refund, so I'll have to take your word for it. ;)

[shunga]

Originally posted by copland:
<STRONG>who are they to judge whether or not someones going to make a chargeback?</STRONG>

That's a large part of what their business is.

[cynthia]

touche. ;)

Honestly - I've done 4 manual refunds since my site started: 2 missed the cancellation date and another was a double-bill that I just happened to catch. What can I say - I guess I'd rather have great customer service and a happy surfer who might rejoin than run the risk of a chargeback.

(I won't tell you about that last guy, tho *grrrr*)

[shunga]

Originally posted by cynthia:
<STRONG>I've done 4 manual refunds since my site started: 2 missed the cancellation date and another was a double-bill that I just happened to catch</STRONG>

I might have issued a refund on a double billing a while ago, but I wouldn't issue one under normal circumstances, unless I thought the person was really genuine.

[cynthia]

I usually never check things out this closely, but in this case the information was identical - down to the user/pass pair for both accounts. I emailed him and asked if this was what he'd intended. He said no, so I disabled the second account. When I alerted him that the situation was fixed he thanked me profusely and went on to retain his membership for 4 months.

Did I get screwed or taken advantage of? I don't think so. I'd think that if I'd left it alone and he had gotten double-billed, he would have not only cancelled the membership, but we would have had one more "gun-shy" surfer just a little bit more reluctant to buy a membership ANYWHERE next time.

I'd be a fool to issue refunds willy-nilly. But I don't think there's anything wrong with trying to make things right when you catch a mistake. Perhaps I'm in the minority.

Anyway - this wasn't meant to be a thread hijack. Apologies. :)

[cynthia]

shit - I missed the point of your last post. (damn the lack of an edit function). You meant that you would never issue a refund for a missed trial date unless the person was genuine. I would never have issued these unless I knew for certain that the request was genuine.

Nuff said - Sorry for the misunderstanding.