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I love these guys that hide behind a board name. Nevermind: Who are you? What program do you sponsor? What sites do you own? Are you hoping for employment at MasterCard? Would you like to come by our offices and talk? I say come out from behind the curtain, stop hiding like a bitch and let?s get to know each other. Maybe I can convince you to come over to the side of the Webmaster community. Consider it an open invitation.
I do think you have the right to your opinion, but you also have a responsibility to be accurate.
First, KK does NOT, I repeat for the millionth time, NOT work for Paycom / EPOCH. She is a Consultant? marketing for another, non-related entity that we at Paycom / EPOCH also do work for.
Secondly, did you know that the rules of the card associations are not given to merchants? We have to follow rules that we are not allowed to have, by the association?s rules. We are to be informed by our acquiring bank, the member of the association, of the rules. We were not informed in March of 2000. No one was. Every 3rd Party / IPSP / Aggregator / Merchant with their own account, all of us believed that 2.5% was the threshold until we were told in May of 2002 that there had been changed a year and a half earlier and that enforcement and fines were coming down for the entire period. Now that is deceptive, imo. To have rules not provided or disclosed and to fine retroactively is far worse than any cross sell that you keep referring to. BTW, our chargebacks and credits on those sales are less than other products.
In case you don?t know, changing risk parameters and reducing chargebacks from 2.5% to 1% can?t happen over night. It takes time. It took several months, during which we were under and over back and forth as I posted earlier and as is in our lawsuit. I won?t take the time to pull out page numbers. We don?t claim otherwise as your post suggests.
Thirdly, the lawsuit DOES mention what happened after September 2002. You just conveniently missed that data.
Fourth, we never said we were in compliance ?coincidentally? ever. We don?t have to, it is a clear-cut issue; you are either over or under. As you obviously don?t know, let me explain: MC only gets numbers from banks, unlike Visa that has its own system of reporting and counting. So banks sometimes make mistakes. If you, nevermind, for example had $102.00 in your BofA account (I bet my numbers are pretty close huh?) and a machine or human made a mistake and bounced a check you had written for $52.00, you would call, complain and the situation would be rectified. The check still bounced but the bank would admit the error. This is the same issue, except the problem had a few more zeros. That is the plain simple truth. If it weren?t we would not have put it in our lawsuit.
Lastly, EPOCH did not ?have to sue? to stay in business or to continue accepting MC. We could have passed the fine along to Webmasters and kept our mouth?s shut and been good little boys getting bitch-slapped by MC every month or so. But we don?t do that here. We fight for our rights and the rights of our clients. That?s what you get for your 15%, plus features that don?t create chargebacks or FTC issues.
In conclusion let me just say again that you are entitled to your opinion. I disagree. I don?t need or even necessarily want YOUR help. My opinion is that you have another agenda and that you are an asshole to boot. It seems to me that you are trying to mislead and defend MC and to make their points. I hope they use your logic so we can win a multi million-dollar judgment, fast.
In the meantime, a little word of advice: Getting into a debate with me is one thing; but Kimmy will cut your balls off and stick them in your ass. So you may want to chill the fuck out, put your paper hat back on and say loudly and proudly ?Good Morning and Welcome to McDonalds?, would you like to Super Size that?? But what do I know?
Don?t forget my invitation for you to come by our offices or meet me anywhere you want so we can become friends and so that you can better understand our business.
PS: I will super size my fries. Thanks.
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