Annoying aspect of processing!!!! - GoFuckYourself.com

Donnie Gangsta · 01-04-2003, 03:07 PM

Damn it.. This is the most annoying thing I have ever heard, in regards to cc processors (At least paycom).

Did you guys know that when they run a card for a trial membership, they ONLY check to see if there is enough money to cover the cost of the trial! They don't even see if the surfer has enough money on their card to convert to month! You know how shitty that is for companies that pay per sign up? I was going thru my trial denials, and I have basically 2 denials for every 1 sale.. And most of the denials are for insufficient funds. Wtf??

So, maybe someone can tell me why they couldn't just run the card for 39.95 or whatever when they first signed up for a trial, just to see if they even have enough money to afford the conversion/recurring price?

I don't see how anyone with any common sense would do fail to do that.. ! Especially for free trials. This is just giving someone access to my members area and chewing my bandwidth, and more importantly, causing me to have to pay webmasters $30 per free trial for transactions that don't even fucking have any chance of being approved.

Bah.. anyway, just wanting to vent.

Shoplifter · 01-04-2003, 03:10 PM

Because the guy is just buying the trial.

If they authorize for the full amount it will reserve that amount out of the guys limit for 2 or 3 days. If he finds out he will complain to his bank for sure.

Donnie Gangsta · 01-04-2003, 03:11 PM

No...

Let me give an example.

When you buy gas from a gas station using your credit card to pay, your card is authorized for $50 on average.

It doesn't necessarily bill you $50, but just authorizes for that much. You aren't billed until you actually hang the pump up.

Same situation.

SleazyDream · 01-04-2003, 03:12 PM

solution - don't do trials!

sweetcuties · 01-04-2003, 03:14 PM

People still use trials in this biz? lol

Shoplifter · 01-04-2003, 03:15 PM

Quote:

Originally posted by Donnie Gangsta
No...

Let me give an example.

When you buy gas from a gas station using your credit card to pay, your card is authorized for $50 on average.

It doesn't necessarily bill you $50, but just authorizes for that much. You aren't billed until you actually hang the pump up.

Same situation.

That's my point. At the gas station I understand I am being authorized for up to $50. I expect that credit to be held.

If I buy a $4.95 subscription and I am authorized for $40 it is not appropriate. If the surfer goes to the mall the next day and is declined because he has been authorized without his knowledge
then it is a complaint for sure. It is probably against CC policy as well.

Donnie Gangsta · 01-04-2003, 03:22 PM

Yeah.. fuck it. Just going to do my own processing. I have enough volume to do so. Anyone know any banks?

mpegposter · 01-04-2003, 03:29 PM

I doubt you'll find any US banks that do high-risk adult. I believe they all stopped doing it. But if you give me some contact info I can put you in touch with the right folks.

Carrie · 01-04-2003, 03:55 PM

It is my experience that at gas stations, there is a $1 check-and-hold put onto your card, not $50.
My bank account came up $4 short one time and when I called and asked about it, the rep was able to point out 4 separate occasions that month where I had used the card for gas and then explained to me the $1 hold rule.
It falls off after a few days... but not quickly enough for those 3-day-that-are-really-48-hours-trials to get smacked on there.

Donnie Gangsta · 01-04-2003, 05:43 PM

It doesn't have to be a US bank I don't give a fuck

Just email me at [email protected]

Would appreciate it

rowan · 01-04-2003, 10:17 PM

I think what you're referring to is called a pre-auth (from memory). It's a charge for an arbitrary amount, but the transaction is never processed to completion - so the charge disappears completely within a few days.

The catch, as shoplifter points out, is that it's still a charge, so it will reduce the card holder's limit for those few days. For people who have cards that are linked to their bank account (like a visa debit, or visa checking I think it is in the USA), they lose *real* money from their bank account for those few days.

I don't think there is a way to do a passive query along the lines of "would a transaction for $X succeed at the moment?"

I have a visa debit, and was pretty shocked to find a $50 charge on my online statement immediately after entering my card details for a $1 ifriends verification charge... that's when I had all this explained to me.

HTH

01-04-2003, 03:07 PM	#1
Donnie Gangsta Confirmed User Join Date: Mar 2002 Location: Las Vegas Posts: 1,104	Annoying aspect of processing!!!! Damn it.. This is the most annoying thing I have ever heard, in regards to cc processors (At least paycom). Did you guys know that when they run a card for a trial membership, they ONLY check to see if there is enough money to cover the cost of the trial! They don't even see if the surfer has enough money on their card to convert to month! You know how shitty that is for companies that pay per sign up? I was going thru my trial denials, and I have basically 2 denials for every 1 sale.. And most of the denials are for insufficient funds. Wtf?? So, maybe someone can tell me why they couldn't just run the card for 39.95 or whatever when they first signed up for a trial, just to see if they even have enough money to afford the conversion/recurring price? I don't see how anyone with any common sense would do fail to do that.. ! Especially for free trials. This is just giving someone access to my members area and chewing my bandwidth, and more importantly, causing me to have to pay webmasters $30 per free trial for transactions that don't even fucking have any chance of being approved. Bah.. anyway, just wanting to vent.

01-04-2003, 03:12 PM	#4
SleazyDream I'm here for SPORT Industry Role: Join Date: Jul 2001 Location: Phone # (401) 285-0696 Posts: 41,470	solution - don't do trials! __________________ This dog, is dog, a dog, good dog, way dog, to dog, keep dog, an dog, idiot dog, busy dog, for dog, 20 dog, seconds dog! Now read without the word dog.

01-04-2003, 03:14 PM	#5
sweetcuties Confirmed User Join Date: Feb 2002 Location: Somewhere Posts: 5,859	People still use trials in this biz? lol __________________

01-04-2003, 03:29 PM	#8
mpegposter Confirmed User Join Date: Dec 2002 Location: Tri-State Posts: 483	I doubt you'll find any US banks that do high-risk adult. I believe they all stopped doing it. But if you give me some contact info I can put you in touch with the right folks. __________________ The voice of the Moral Minority. New Sponsor Converting Like Hell!

01-04-2003, 03:10 PM	#2
Shoplifter Richest man in Babylon Industry Role: Join Date: Jan 2002 Location: Posts: 10,002 Posts: 5,710	Because the guy is just buying the trial. If they authorize for the full amount it will reserve that amount out of the guys limit for 2 or 3 days. If he finds out he will complain to his bank for sure.

01-04-2003, 03:11 PM	#3
Donnie Gangsta Confirmed User Join Date: Mar 2002 Location: Las Vegas Posts: 1,104	No... Let me give an example. When you buy gas from a gas station using your credit card to pay, your card is authorized for $50 on average. It doesn't necessarily bill you $50, but just authorizes for that much. You aren't billed until you actually hang the pump up. Same situation.

01-04-2003, 03:22 PM	#7
Donnie Gangsta Confirmed User Join Date: Mar 2002 Location: Las Vegas Posts: 1,104	Yeah.. fuck it. Just going to do my own processing. I have enough volume to do so. Anyone know any banks?

01-04-2003, 03:55 PM	#9
Carrie Confirmed User Join Date: Apr 2002 Location: Virgin - nee Posts: 3,162	It is my experience that at gas stations, there is a $1 check-and-hold put onto your card, not $50. My bank account came up $4 short one time and when I called and asked about it, the rep was able to point out 4 separate occasions that month where I had used the card for gas and then explained to me the $1 hold rule. It falls off after a few days... but not quickly enough for those 3-day-that-are-really-48-hours-trials to get smacked on there.

01-04-2003, 05:43 PM	#10
Donnie Gangsta Confirmed User Join Date: Mar 2002 Location: Las Vegas Posts: 1,104	It doesn't have to be a US bank I don't give a fuck Just email me at [email protected] Would appreciate it

01-04-2003, 10:17 PM	#11
rowan Too lazy to set a custom title Join Date: Mar 2002 Location: Australia Posts: 17,393	I think what you're referring to is called a pre-auth (from memory). It's a charge for an arbitrary amount, but the transaction is never processed to completion - so the charge disappears completely within a few days. The catch, as shoplifter points out, is that it's still a charge, so it will reduce the card holder's limit for those few days. For people who have cards that are linked to their bank account (like a visa debit, or visa checking I think it is in the USA), they lose real money from their bank account for those few days. I don't think there is a way to do a passive query along the lines of "would a transaction for $X succeed at the moment?" I have a visa debit, and was pretty shocked to find a $50 charge on my online statement immediately after entering my card details for a $1 ifriends verification charge... that's when I had all this explained to me. HTH