Getting TOO many DENIAL emails using CCbill. Any ideas?

[captainking]

Hey guys,

Just launched a new site. It's a review site in the adult niche. We have setup CCbill as our payment processor. It's a $27/month recurring subscription.

Started pushing our own internal traffic to the site so I know it's good and we are getting a crazy amount of transaction denials. Is this normal?

Yesterday we have 34 transactions denied by the bank and 2 approved.. WTFFF that's 34 members we missed out on. Even had some emailing us asking why their payments are getting declined.

There must be a better way than this! Anyone here ever use stripe or braintree or something that can accept many types of payments. I feel like a neanderthal having issues processing payments.

Cheers! Any advice is desperately needed

[NETbilling]

Originally Posted by captainking

Hey guys,

Just launched a new site. It's a review site in the adult niche. We have setup CCbill as our payment processor. It's a $27/month recurring subscription.

Started pushing our own internal traffic to the site so I know it's good and we are getting a crazy amount of transaction denials. Is this normal?

Yesterday we have 34 transactions denied by the bank and 2 approved.. WTFFF that's 34 members we missed out on. Even had some emailing us asking why their payments are getting declined.

There must be a better way than this! Anyone here ever use stripe or braintree or something that can accept many types of payments. I feel like a neanderthal having issues processing payments.

Cheers! Any advice is desperately needed

Hi,

'While CCbill is an excellent company, they are a 3rd party processor (ipsp). When using an ipsp, you are limited to the data that you have access to and no control over the fraud scrubbing, etc.. Basically, you don't have much control, which is fine for some, but most successful site owners these days use a combination if merchant accounts and possibly an ipsp to maximize sales, have flexibility and control. NETbilling can provide you that control at rates approximately 50% less than most third party processors.

If you are interested in learning more. Please dial [email protected] or call 888-357-8166.
You can also check us out at NETbilling.com. You will be very impressed. Feel free to post questions here as well.

Thank you, Mitch Farber

[captainking]

Originally Posted by NETbilling

You can also check us out at NETbilling.com. You will be very impressed. Feel free to post questions here as well.

Thank you, Mitch Farber

Hey Mitch, do you have a skype we can chat on?
Would love to see you how soon we can get something setup and going

[captainking]

I need a system that support API so we can integrate the payment method into our backend

[NETbilling]

Originally Posted by captainking

Hey Mitch, do you have a skype we can chat on?
Would love to see you how soon we can get something setup and going

Hi,

yes - netbilling is my Skype handle. You can also email me directly at [email protected]

Thanks, Mitch

[nikki99]

Verotel

[Bladewire]

Originally Posted by captainking

Hey guys,

Just launched a new site. It's a review site in the adult niche. We have setup CCbill as our payment processor. It's a $27/month recurring subscription.

Started pushing our own internal traffic to the site so I know it's good and we are getting a crazy amount of transaction denials. Is this normal?

Yesterday we have 34 transactions denied by the bank and 2 approved.. WTFFF that's 34 members we missed out on. Even had some emailing us asking why their payments are getting declined.

There must be a better way than this! Anyone here ever use stripe or braintree or something that can accept many types of payments. I feel like a neanderthal having issues processing payments.

Cheers! Any advice is desperately needed

What's the URL of the site?

[wehateporn]

Last few days there's been some insane scrubbing, not sure if it's at the bank side or CCBill, it's just the way it goes, there will be good times too

[captainking]

Originally Posted by wehateporn

Last few days there's been some insane scrubbing, not sure if it's at the bank side or CCBill, it's just the way it goes, there will be good times too

do you have a skype? I'de love to ask you a couple questions.

Have you ever tried Netbilling? And how does it compare to results w/ CCbill?

[JSWENSON]

Originally Posted by wehateporn

Last few days there's been some insane scrubbing, not sure if it's at the bank side or CCBill, it's just the way it goes, there will be good times too

Same story, different year. That so many accept the worst scrubbing company in existence in 2016 is ridiculous. CCBill has been garbage on their one job which is to take payments from customers. What is the point?

[JasonCollins]

Originally Posted by nikki99

Verotel

Appreciate the nod!

[captainking]

Originally Posted by JSWENSON

Same story, different year. That so many accept the worst scrubbing company in existence in 2016 is ridiculous. CCBill has been garbage on their one job which is to take payments from customers. What is the point?

Is there a better alternative that you can recommend me?

[Petra]

I couldn't be happier with Verotel. Our declines were cut by 3/4 when we switched over and they have a fraud dept that works with you. Win win.

[LovinNothin]

Those declines were sales. CCBill had their skim program set too high and took too many. Normally they take 50 or 60%. You get the decline notice, and the sale goes thru and the buyer is sent to a mirror copy of your website.

In summer months and during holidays the skim is very intense, as we are all meant to think that summer and holidays sales "slow down." Like testosterone slows down during those months? With no Federal Regulation, the skimming is getting beyond rampant.

[captainking]

Originally Posted by LovinNothin

Those declines were sales. CCBill had their skim program set too high and took too many. Normally they take 50 or 60%. You get the decline notice, and the sale goes thru and the buyer is sent to a mirror copy of your website.

But if this was happening then that would mean users would not be able to login to our website since their account was not upgraded on our end in our user database.

That can't be what's happening is it?

[Bladewire]

Originally Posted by captainking

But if this was happening then that would mean users would not be able to login to our website since their account was not upgraded on our end in our user database.

That can't be what's happening is it?

What's the URL of your preview site that people pay to see?

[plaster]

Originally Posted by Bladewire

What's the URL of your preview site that people pay to see?

I believe it is called squirtit-ripped.com. hope that helps...

[pimpmaster9000]

make cascade billing but do not have ccbill in your first position or it will not cascade...payoneer cards are great for getting denied with ccbill so you will see what I am talking about, they send you an email instead of actually cascading...unholy scrub with ccbill...

[Barry-xlovecam]

Until you have an established processing volume you will have a hard time finding a real merchant account.

Use a few third party billers and cascade your transactions --

• biller 1 declines offer the customer biller2
• biller 2 declines offer the customer biller3
• biller 3 declines oh well ...

[captainking]

Originally Posted by Barry-xlovecam

Until you have an established processing volume you will have a hard time finding a real merchant account.

How are we supposed to build processing volume when 90% of our transactions are being declined! lol I guess find a better payment processor... What is considered 'established processing volume"? $1000/week? more?

Verotel looks great but they can't process for us since we have the word escort in our name...

I'm reaching out to epoch now, but I've read that they aren't above and beyond when it comes to being better than CCbill

Any other suggestions guys?

[Brian8377]

Holy shit 34 in one day? Is it the same guy over and over? We added Verotel but I see you can't use them.
NetBilling will not work?

[captainking]

Originally Posted by Brian8377

Holy shit 34 in one day? Is it the same guy over and over? We added Verotel but I see you can't use them.
NetBilling will not work?

I reached out to NetBilling earlier today on skype but haven't got a response. Just sent them an email =)

And 34 declines was all from different people.

[Bladewire]

Originally Posted by captainking

How are we supposed to build processing volume when 90% of our transactions are being declined! lol I guess find a better payment processor... What is considered 'established processing volume"? $1000/week? more?

Verotel looks great but they can't process for us since we have the word escort in our name...

I'm reaching out to epoch now, but I've read that they aren't above and beyond when it comes to being better than CCbill

Any other suggestions guys?

Well since you want to hide your site, but still want help, I'd say your traffic is crap.

Goto your server logs and cross reference submission IP's with denials and you'll find the countries don't match or they're via VPN.

Do that with transactions that have gone through as well make sure you're not being targeted to get your account closed with future chargebacks.

[captainking]

Originally Posted by Bladewire

Well since you want to hide your site, but still want help, I'd say your traffic is crap.

Goto your server logs and cross reference submission IP's with denials and you'll find the countries don't match or they're via VPN.

Do that with transactions that have gone through as well make sure you're not being targeted to get your account closed with future chargebacks.

I tried adding you on skype but haven't got a response. Our site is ViceEscorts.com
And our traffic is not bad because it converts very well with other sites. Traffic is 85% US and the rest is CA/AU/UK

It's 100% internal traffic so I know it's good.

[The Porn Nerd]

Originally Posted by LovinNothin

Those declines were sales. CCBill had their skim program set too high and took too many. Normally they take 50 or 60%. You get the decline notice, and the sale goes thru and the buyer is sent to a mirror copy of your website.

In summer months and during holidays the skim is very intense, as we are all meant to think that summer and holidays sales "slow down." Like testosterone slows down during those months? With no Federal Regulation, the skimming is getting beyond rampant.

This does NOT happen. You have been harping on this shit ever since Sara Swirls and when you were Beaner.

OP: since your site is an escort site you may have trouble with processers and with transactions (denials/chargebacks). It kinda goes with the territory. But I would contact CCBill and ask them to go over those 34 denials one-by-one to determine what is going on. You can always try Epoch, NETbilling or Verotel and see if the denails increase/decrease but I would start with a CCBill analysis (and the server log analysis Bladewire suggested).

Best of luck, I know this can be really frustrating.

[plaster]

Another thread of renegade want to be know it alls, knowing nothing. Congrats to the weiners and enjoy the circle jerk.

[Raja]

We use both Netbilling and CCBill. You should get a merchant account through Netbilling and use their gateway to process the transaction. You will save 5% at least by processing the joins on your own merchant account (mid) and by using Netbilling's gateway you can lower the scrub to allow more transactions to be processed. Just be careful not to allow the fraud.

[captainking]

Originally Posted by plaster

Another thread of renegade want to be know it alls, knowing nothing. Congrats to the weiners and enjoy the circle jerk.

Yea a couple weird comments, but getting some helpful info here. Your comment is among the weird unhelpful ones lol

Originally Posted by Raja

We use both Netbilling and CCBill. You should get a merchant account through Netbilling and use their gateway to process the transaction. You will save 5% at least by processing the joins on your own merchant account (mid) and by using Netbilling's gateway you can lower the scrub to allow more transactions to be processed. Just be careful not to allow the fraud.

Mmm good to know thanks, yea i'm reaching out to Netbilling right now, they seem pretty interesting, wish i would have dove into this option earlier. I'm only pushing internal traffic so fraud should not be an issue. We have a pretty big internal group here at our office that I can trust with traffic generation.

Do you know how long on average it takes to get the mids setup?
cheers!

[Major (Tom)]

Originally Posted by NETbilling

Hi,

'While CCbill is an excellent company, they are a 3rd party processor (ipsp). When using an ipsp, you are limited to the data that you have access to and no control over the fraud scrubbing, etc.. Basically, you don't have much control, which is fine for some, but most successful site owners these days use a combination if merchant accounts and possibly an ipsp to maximize sales, have flexibility and control. NETbilling can provide you that control at rates approximately 50% less than most third party processors.

If you are interested in learning more. Please dial [email protected] or call 888-357-8166.
You can also check us out at NETbilling.com. You will be very impressed. Feel free to post questions here as well.

Thank you, Mitch Farber

While that is true, in the end the ISP model is just as bad. Regardless, you aren't dealing with a bank. You are dealing with a middle company who has to be concerned about their own portfolio at the bank. So they scrub the living shit out of you too,
Duke

[Bladewire]

Originally Posted by The Porn Nerd

This does NOT happen. You have been harping on this shit ever since Sara Swirls and when you were Beaner.

Damn so he's posting as Plaster & LovinNothin in this thread. Mark aka Beaner/Plaster/LovinNothin he's banned for a very good reason. Hopefully no newbies will fall for some sort of scam of his only reason he'd be sneaking back in here under false pretences I'd think, unless he has an unhealthy obsession of some sort

[Bladewire]

Originally Posted by captainking

Mmm good to know thanks, yea i'm reaching out to Netbilling right now, they seem pretty interesting, wish i would have dove into this option earlier. I'm only pushing internal traffic so fraud should not be an issue. We have a pretty big internal group here at our office that I can trust with traffic generation.

Do you know how long on average it takes to get the mids setup?
cheers!

Mine were 2-3 weeks for a true mid not 3rd party processor and all mine needed 6months processing history I believe, to get a decent rate and holdback.

[captainking]

Originally Posted by DukeSkywalker

While that is true, in the end the ISP model is just as bad. Regardless, you aren't dealing with a bank. You are dealing with a middle company who has to be concerned about their own portfolio at the bank. So they scrub the living shit out of you too,
Duke

Uhh well gosh darnit!!! What the heck am I supposed to do? Just accept the fact that 80-90% of payment attempts on my site will be declined?

I'de like to at least have a cascade so would netbilling w/ a mid or epoch be better pick to try and process the payment first before trying to use CCbill

[Major (Tom)]

Originally Posted by captainking

Uhh well gosh darnit!!! What the heck am I supposed to do? Just accept the fact that 80-90% of payment attempts on my site will be declined?

I'de like to at least have a cascade so would netbilling w/ a mid or epoch be better pick to try and process the payment first before trying to use CCbill

I dont know if you are new here but ccbill is notorius for scubbing. Like they are the definition of a biller who scrubs. The only benefit I see to them is for someone who can't afford nats, OR if you don't payout on sales that were cascaded to the next biller, put ccbill primary. (We pay out on cascading sales btw).

[Bladewire]

Originally Posted by captainking

Uhh well gosh darnit!!! What the heck am I supposed to do? Just accept the fact that 80-90% of payment attempts on my site will be declined?

I'de like to at least have a cascade so would netbilling w/ a mid or epoch be better pick to try and process the payment first before trying to use CCbill

You need to crossreference IP's with form submissions before you do anything else. If you don't know who's submitting from where, and if the country and state doesn't match the IP, then you'll have the same problem with 5 merchant accounts as well

[Major (Tom)]

Originally Posted by Bladewire

You need to crossreference IP's with form submissions before you do anything else. If you don't know who's submitting from where, and if the country and state doesn't match the IP, then you'll have the same problem with 5 merchant accounts as well

I remember they used to use a shopping cart for mastercard and I'd get emails saying I joined your site but I can't access. Almost everytime it was the ccbill mastercard shopping cart. We'd simply say "sorry, we do not honor shopping cart sales." But obviously this only works if you control your own password file. Otherwise you're at their mercy.

[Bladewire]

Originally Posted by DukeSkywalker

I remember they used to use a shopping cart for mastercard and I'd get emails saying I joined your site but I can't access. Almost everytime it was the ccbill mastercard shopping cart. We'd simply say "sorry, we do not honor shopping cart sales." But obviously this only works if you control your own password file. Otherwise you're at their mercy.

Never heard that before would totally suck damn.

[Major (Tom)]

Originally Posted by DukeSkywalker

While that is true, in the end the ISP model is just as bad. Regardless, you aren't dealing with a bank. You are dealing with a middle company who has to be concerned about their own portfolio at the bank. So they scrub the living shit out of you too,
Duke

I meant ISO not isp

[NETbilling]

Originally Posted by Raja

We use both Netbilling and CCBill. You should get a merchant account through Netbilling and use their gateway to process the transaction. You will save 5% at least by processing the joins on your own merchant account (mid) and by using Netbilling's gateway you can lower the scrub to allow more transactions to be processed. Just be careful not to allow the fraud.

Thanks Raja! Let me know if you have any questions.

[NETbilling]

Originally Posted by captainking

Yea a couple weird comments, but getting some helpful info here. Your comment is among the weird unhelpful ones lol



Mmm good to know thanks, yea i'm reaching out to Netbilling right now, they seem pretty interesting, wish i would have dove into this option earlier. I'm only pushing internal traffic so fraud should not be an issue. We have a pretty big internal group here at our office that I can trust with traffic generation.

Do you know how long on average it takes to get the mids setup?
cheers!

Hi,

We can get a mid setup within a week if you are in the US. Offshore takes longer. Please let me know if I can answer any questions for you.

Mitch

[NETbilling]

Originally Posted by DukeSkywalker

I meant ISO not isp

Hi Duke,

That depends on the ISO and the bank as well. Several ISOs that we work with don't do any scrubbing and simply rely on our Fraud Defense tools.

Mitch

[plaster]

OP... hope you got in touch with Bladewire and he consulted you on the proper way to bill and check fraud. He really, really knows (not) what he's talking about.

Here's a tip, turn off fraud scrub 100% if you have your own traffic which you said you did. When you ask your rep why can't you turn off fraud, then figure out a way you can. I'm not giving you the answer and it actually may not be available to you living in AU if you don't bill high enough.

There's your answer though.

[xXXtesy10]

Originally Posted by LovinNothin

CCBill had their skim program set too high and took too many. Normally they take 50 or 60%.