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Um....
...Ok. Some of you need to re-read this. It is not just CCBill - it is ANY online check processor. Telling CCBill to "get on this" is kind of pointless. Accepting payments via online checking is much more risky than credit cards.
An e-check payment is "cleared" by the processor before the funds are withdrawn from the bank account which takes as long as 5 days.
Instead of blaming the processors, program owners can take a couple of simple steps to help themselves out.
- Turn off e-checking and stick to credit cards. It's safer and probably cheaper too.
- Check the Payment Type! When CCBill processes a payment, the payment type can be posted to your website's post-back script via CCBill. Expand this script and your password management system a little by writing some code check for this. If the payment type is by e-check, DELAY allowing him access to your members area. Send him to a Thank-You page that explains to the user that he will get his password in about 5 days. (You must turn off CCBill's password management program and substitute your own for this to work of course).
Yes maybe some customers won't like this, but its all how you write your copy here. Explain why you are doing it, and be sure to thank your customer for his patience. He will appreciate it, and best of all, your risk is reduced.
Cheers!
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