Welcome to the GoFuckYourself.com - Adult Webmaster Forum forums.

You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today!

If you have any problems with the registration process or your account login, please contact us.

Post New Thread Reply

Register GFY Rules Calendar Mark Forums Read
Go Back   GoFuckYourself.com - Adult Webmaster Forum > >
Discuss what's fucking going on, and which programs are best and worst. One-time "program" announcements from "established" webmasters are allowed.

 
Thread Tools
Old 01-22-2016, 06:17 PM   #1
LovinNothin
So Fucking Banned
 
Industry Role:
Join Date: Dec 2015
Posts: 565
Does it matter where your credit card processor is physically located?

To obtain more sales in Europe, is it better to have a 3rd party credit card processor that is physically located in Europe?

And better to have a local processor here in the States for US and Canada sales?

Was wondering if location does matter in regards to ease of processing and approvals.

Overseas credit card sales might be more scrutinized more by banks if not made within the same continent?
LovinNothin is offline   Share thread on Digg Share thread on Twitter Share thread on Reddit Share thread on Facebook Reply With Quote
Old 01-23-2016, 05:12 AM   #2
LovinNothin
So Fucking Banned
 
Industry Role:
Join Date: Dec 2015
Posts: 565
Unreal. Has the crowd here been stumped? Nobody has an opinion on credit card processing for overseas transactions? I'm flabbergasted.
LovinNothin is offline   Share thread on Digg Share thread on Twitter Share thread on Reddit Share thread on Facebook Reply With Quote
Old 01-23-2016, 07:46 AM   #3
Barry-xlovecam
It's 42
 
Industry Role:
Join Date: Jun 2010
Location: Global
Posts: 18,083
Your processing within VISA Net is in your domicile.
  • VISA USA
  • VISA Europe
  • VISA International
  • VISA Asia-Pacific


If you deal with a global 3rd party processor their Acquiring Bank relationships are what matters.
Why US E-Retailers Need Cross-Border Acquiring
Barry-xlovecam is offline   Share thread on Digg Share thread on Twitter Share thread on Reddit Share thread on Facebook Reply With Quote
Old 01-23-2016, 06:39 PM   #4
NatalieK
Natalie K
 
NatalieK's Avatar
 
Industry Role:
Join Date: Apr 2010
Location: Spain
Posts: 18,569
I would have thought a credit card is used over the world, so it wouldn't matter where you are now. You can transfer money at a flick of a switch. The question is the cost of transferring
__________________
My official site NatalieK.xxx My free porn & affiliate blog Natalie K affiliate programFirst time girls
Skype: gspotproductions - "Converting your traffic into income since 2005"
NatalieK is online now   Share thread on Digg Share thread on Twitter Share thread on Reddit Share thread on Facebook Reply With Quote
Old 01-23-2016, 06:54 PM   #5
MetaMan
I AM WEB 2.0
 
Industry Role:
Join Date: Jan 2003
Posts: 28,682
Please dont listen to Barry he is an idiot who says nothing and tries to sound important.

The biggest thing i would worry about is currency. If you are delivering a digital product this matters "less". But local currency is always best. Thus you may need to show a biller a local address/account to process in a separate currency depending on their rules.

A north american biller or european biller likely has the same or similar countries as high risk. Which will cause denials anyway. Not due to processor location.

To answer your question in short. No location should not matter unless your biller is terrible. If someone from the UK is purchasing on a USA website and all fraud checks are passed there should be no reason you will see a large increase in denials.
MetaMan is offline   Share thread on Digg Share thread on Twitter Share thread on Reddit Share thread on Facebook Reply With Quote
Old 01-23-2016, 11:24 PM   #6
LovinNothin
So Fucking Banned
 
Industry Role:
Join Date: Dec 2015
Posts: 565
Thanks
LovinNothin is offline   Share thread on Digg Share thread on Twitter Share thread on Reddit Share thread on Facebook Reply With Quote
Old 01-24-2016, 01:11 AM   #7
NETbilling
Confirmed User
 
NETbilling's Avatar
 
Industry Role:
Join Date: Jan 2002
Location: Huntington Beach, CA
Posts: 8,547
Quote:
Originally Posted by LovinNothin View Post
Unreal. Has the crowd here been stumped? Nobody has an opinion on credit card processing for overseas transactions? I'm flabbergasted.
Hi - we can help provide you a solution for both, at exceptional rates.

Please post more questions here, contact myself for our sales department.

Thanks, Mitch
__________________


Mitch Farber
CEO - NETbilling, Inc.
Email / Phone: 888-357-8166 / 661-252-2456
Transaction processing & 24/7 call center services with exceptional rates and flexibility, since 1998!
NETbilling is offline   Share thread on Digg Share thread on Twitter Share thread on Reddit Share thread on Facebook Reply With Quote
Old 02-01-2016, 06:58 AM   #8
MaxPSC
Registered User
 
Industry Role:
Join Date: Dec 2014
Posts: 75
Quote:
Originally Posted by MetaMan View Post

To answer your question in short. No location should not matter unless your biller is terrible. If someone from the UK is purchasing on a USA website and all fraud checks are passed there should be no reason you will see a large increase in denials.

I entirely disagree with this statement.

The location does matter, but not the one of your payment processor but the one of the acquiring bank they are using.

If the acquiring bank is in the USA and your customer (cardholder) has a bank (issuing bank) in the UK for example, the payment can be rejected due to that location issue.

There are 3 zones for online payments that are determined by the distance between the acquiring bank and the issuing bank.
- local zone: same country
- intra zone: same continent (EU zone for example)
- inter zone: international

The issuing bank sets a daily and a monthly limit for the cardholder. The limit is higher for "local" payments, then lower for "intra" payments and finally even lower for "inter" payments.
Therefore, if your customer has already spent (in a day or current month) a certain amount online in the inter zone there is a chance that their limit will not allow them to pay on your website if your acquiring bank is not in their local or intra zone.


On top of this, there is the currency issue. You do not want to bill your EU customers in Dollars and vice-versa.

If you need more information I will be happy to explain it further.

Max

[email protected]
__________________
Paysite Cash : Regulated Financial Institution, Choose the Right Billing Partner
IPSP Accounts and Direct Merchant Accounts: Mainstream and High-risk
MaxPSC is offline   Share thread on Digg Share thread on Twitter Share thread on Reddit Share thread on Facebook Reply With Quote
Old 02-01-2016, 07:55 AM   #9
adultmobile
No, I am not banned
 
adultmobile's Avatar
 
Industry Role:
Join Date: Nov 2003
Location: ChatGF.com
Posts: 5,345
Quote:
Originally Posted by MaxPSC View Post
The location does matter, but not the one of your payment processor but the one of the acquiring bank they are using.

If the acquiring bank is in the USA and your customer (cardholder) has a bank (issuing bank) in the UK for example, the payment can be rejected due to that location issue.

There are 3 zones for online payments that are determined by the distance between the acquiring bank and the issuing bank.
- local zone: same country
- intra zone: same continent (EU zone for example)
- inter zone: international

The issuing bank sets a daily and a monthly limit for the cardholder. The limit is higher for "local" payments, then lower for "intra" payments and finally even lower for "inter" payments.
This is the correct answer.
In practice, if you have an Euro merchant account, it can happen that some US/Canada cards are declined (by the cardholder's bank, not by YOUR bank!) because trying to do a sale out of US/CA. Then the "best" would be to send US/CA guys to US/CA merchant account etc., still there are some other protectionistic and silly rules about SPECIFIC banks, in fact we see all the time guys being declined by 1 biller then approved by another in strange order (no scrub on OUR end... only in card end). It also happens that cardholders are PHONED immediately by the bank after the declined with a scary question: "Was it you who tried to do a card sale of $XXX in europe a minute ago?", and the guy should approve this. It even happens that EVERY next sale even in same day, the guy is declined and gets a new call (can't pre-approve stable)... now tell me if this is an efficient, fair and internationally open system...
__________________

TubeCamGirl.com
adultmobile is offline   Share thread on Digg Share thread on Twitter Share thread on Reddit Share thread on Facebook Reply With Quote
Post New Thread Reply
Go Back   GoFuckYourself.com - Adult Webmaster Forum > >

Bookmarks

Tags
card, processor, sales, physically, located, credit, matter
Thread Tools



Advertising inquiries - marketing at gfy dot com

Contact Admin - Advertise - GFY Rules - Top

©2000-, AI Media Network Inc



Powered by vBulletin
Copyright 2000- Jelsoft Enterprises Limited.