++ Visa's NEW Rules for UPSELLING : Are YOU Compliant? ++ - GoFuckYourself.com

L3 Payments · 08-19-2011, 01:29 PM

Maybe you've seen it, maybe you haven't, but in the August issue of XBIZ World, our COO Melody L. offers some insight to the VISA RULES AND REGS (as of 6/11) as it pertains to UPSELLING in online business.

To get up to speed, check it out directly on page 36 of the August Issue or in the digital version to ensure you're COMPLIANT

You are also welcome to contact us directly with any questions or comments!

Have a great weekend everyone!

phasic · 08-19-2011, 01:31 PM

Thanks for that!

borked · 08-19-2011, 01:32 PM

Great write up and clarification!

Kolargol · 08-19-2011, 01:46 PM

I wonder how CCBill will change their forms.

pornmasta · 08-19-2011, 01:47 PM

Quote:

Originally Posted by Kolargol

I wonder how CCBill will change their forms.

I do'nt think it is ccbill the problem

K R I S T E N · 08-19-2011, 02:59 PM

Thank you for consistently keeping folks up to date on such matters L3!

V_RocKs · 08-19-2011, 03:36 PM

Quote:

Originally Posted by pornmasta

I do'nt think it is ccbill the problem

That doesn't matter.. They still have to comply and their current cross sell form doesn't comply.

My Pimp · 08-19-2011, 03:46 PM

That is an interesting article.

slavdogg · 08-19-2011, 04:59 PM

i cant see shit,
can you cut and paste it here ??

L3 Payments · 08-19-2011, 05:07 PM

Quote:

Originally Posted by slavdogg

i cant see shit,
can you cut and paste it here ??

Slav - simply click HERE and zoom in - I cant copy and paste from this comp.

Dappz · 08-20-2011, 02:42 AM

ummmmmmmmmm its being cool ;)

Poppy · 08-22-2011, 01:09 PM

Monday bump.

AndreaM · 08-22-2011, 02:44 PM

Nice to know that there is a resource to look to in order to keep our collective asses out of hot water with regard to billing. I swear the more I learn about the entire process the more I realize how much more I have to learn.

Thanks for the informative article. It's compelling information for my clients.

babymaker · 08-22-2011, 03:10 PM

Quote:

Originally Posted by L3 Payments

Slav - simply click HERE and zoom in - I cant copy and paste from this comp.

Doesn't work, think you need to pay? Says preview article then never loads :D

K R I S T E N · 08-22-2011, 03:19 PM

Quote:

Originally Posted by babymaker

Doesn't work, think you need to pay? Says preview article then never loads :D

Hi there...no, that service is entirely free try this:
(1) Got to http://xbizdigital.com
(2) Click on VIEW CURRENT ISSUE ONLINE
(3) The August issue *should* load for you...go to PAGE 36
(4) Enjoy!

nextri · 08-22-2011, 03:33 PM

can someone summarize what the new changes are?

babymaker · 08-22-2011, 03:49 PM

Quote:

Originally Posted by K R I S T E N

Hi there...no, that service is entirely free try this:
(1) Got to http://xbizdigital.com
(2) Click on VIEW CURRENT ISSUE ONLINE
(3) The August issue *should* load for you...go to PAGE 36
(4) Enjoy!

Got it worked this time

Good article

Brujah · 08-22-2011, 04:10 PM

The text of the page:

Quote:

Visa released new requirements regarding high-risk transactions and this affects you! I constantly hear that one of the benefits to working with an IPSP is that you can cross sell with other sponsored merchants. As this was never the intent of Visa they have revised their operating regulations to make it explicitly clear what constitutes a cross-sell/upsell and what has to happen on this type of transaction.

Effective June 1, an upselling merchant is defined as "a merchant that offers a cardholder goods and/or services online through the initial merchant, but is not the initial merchant, a subsidiary or affiliate of the initial merchant with whom the cardholder initiated the transaction."

One could still argue that in an IPSP situation the IPSP is the initial merchant and the sponsored merchants (being the site owners) still fall under that umbrella of the initial merchant. That sounds like a good argument but then why is an ISPS required by Visa to differentiate the descriptor by sponsored merchant? I'll let you ponder that one.

To be sure you understand the requirements according to Visa, here is the exact language from the rules regarding the up-selling reqirements.

UPSELLING MERCHANT REQUIREMENTS

Effective in June, an upselling merchant must comply with all of the following:

Clearly disclose to the card-holder all of the following:

* The name of the upselling merchant offering the goods and/or services, in a manner that clearly differentiates the upselling merchant from the initial merchant

* A description of the goods and/or services being offered

* The length of the trial period, if offered, including clear disclosure that the cardholder will be charged unless the cardholder takes steps to cancel the subsequent transaction

* The transaction amount and transaction date for the goods and/or services purchased

* The cancellation policy for all goods and/or services being offered

Obtain an authorization for the initial transaction and any subsequent transactions, as specified in "recurring transaction processing"

Obtain express informed consent from the cardholder for the subsequent transactions by requiring the cardholder to undertake all of the following:

* Enter their personal account number for the subsequent transaction

* Enter the name and address and contact details of the cardholder

* Perform an additional affirmative action, such as clicking a confirmation button or other authentication, as permitted by local applicable law, to indicate cardholder consent for participation in the transaction.

Based on the language above, it can be deduced that if a consumer is being charged for more than one service by more than one merchant (not merchant account) that the customer will have to re-enter their information and provide explicit consent as described above. If you are currently leveraging this benefit of using an IPSP, it might behoove you to specifically ask your IPSP what their position is on this new regulation, and that they indemnify you from any fines from Visa for cross/up-selling or deceptive marketing practices.

Even if you are not currently leveraging cross-sells or upsells, I suggest that you evaluate your payment set up and understand your risks associated with it.

As you understand your exposure, consider the elements of your payment set up that would associate you to these types of transactions. In particular your customer service toll-free number, your descriptor, your customer service e-mail address and even your cancellation webpage.

If these items are not unique to you, then any investigations being conducted on other merchants could bring your activities into the spotlight.

Last I checked, it is never good to be in Visa's spotlight.

Sharky · 08-23-2011, 06:21 AM

Man the xbiz digital is a bitch to get to zoom to a readable level from a Mac. Good info though. L3 has been doing a very good job of keeping Merchants in the loop on new regs!

magnatique · 08-23-2011, 10:47 AM

well thought out article, it was a good read!

Matt 26z · 08-23-2011, 12:34 PM

If I am reading this right, surfers will have to enter their CC details a second time for each cross sale and press a second submit button; essentially making this a separate transaction in the surfer's eyes. If this is the case, the days of the accidental cross sale are over.

... and 12clicks will be living in the woods eating grass.

08-19-2011, 01:29 PM	#1
L3 Payments Registered User Industry Role: Join Date: Apr 2011 Posts: 86	++ Visa's NEW Rules for UPSELLING : Are YOU Compliant? ++ Maybe you've seen it, maybe you haven't, but in the August issue of XBIZ World, our COO *Melody L.* offers some insight to the VISA RULES AND REGS (as of 6/11) as it pertains to *UPSELLING* in online business. To get up to speed, check it out directly on page 36 of the August Issue or in the digital version to ensure you're COMPLIANT You are also welcome to contact us directly with any questions or comments! Have a great weekend everyone! __________________ L3 Payments: The trusted processor for the industry's most successful programs. [email protected]

08-19-2011, 01:31 PM	#2
phasic Confirmed User Industry Role: Join Date: Jul 2005 Location: US Posts: 2,104	Thanks for that! __________________ Brief revisit. (mic drop)

08-19-2011, 01:32 PM	#3
borked Totally Borked Industry Role: Join Date: Feb 2005 Posts: 6,284	Great write up and clarification! __________________ For coding work - hit me up on andy // borkedcoder // com (consider figuring out the email as test #1) All models are wrong, but some are useful. George E.P. Box. p202

08-19-2011, 02:59 PM	#6
K R I S T E N Confirmed User Join Date: Feb 2005 Posts: 2,438	Thank you for consistently keeping folks up to date on such matters L3! __________________ K R I S T E N KSquaredDynamics, Inc. ~ Taking Care of {YOUR} Business

08-19-2011, 04:59 PM	#9
slavdogg Confirmed User Join Date: Jan 2001 Posts: 3,570	i cant see shit, can you cut and paste it here ?? __________________ Adult Traffic for Sale

08-19-2011, 01:46 PM	#4
Kolargol Confirmed User Join Date: Mar 2003 Location: www.footfetishsponsors.com Posts: 1,319	I wonder how CCBill will change their forms.

08-19-2011, 03:46 PM	#8
My Pimp Confirmed User Join Date: May 2003 Posts: 1,201	That is an interesting article.

08-20-2011, 02:42 AM	#11
Dappz Confirmed User Join Date: Dec 2009 Posts: 997	ummmmmmmmmm its being cool ;) __________________ Hentai Artist * Draw My Anime * HentaiLovers * hentaiG4H * ICQ : 657458

08-22-2011, 01:09 PM	#12
Poppy Confirmed User Join Date: Apr 2002 Location: O H I O Posts: 6,254	Monday bump. __________________ VP Sales, Peak5Payments [email protected] Skype: consultpoppy In adult since 98'

08-22-2011, 02:44 PM	#13
AndreaM Confirmed User Industry Role: Join Date: Mar 2008 Location: City of Lost Angels Posts: 174	Nice to know that there is a resource to look to in order to keep our collective asses out of hot water with regard to billing. I swear the more I learn about the entire process the more I realize how much more I have to learn. Thanks for the informative article. It's compelling information for my clients. __________________ Engagement Marketing/Brand Development K2Dynamics, Inc. [email protected] \| ICQ: 40794650 \| skype: andreajmata

08-22-2011, 03:33 PM	#16
nextri Confirmed User Industry Role: Join Date: May 2004 Location: Norway Posts: 1,661	can someone summarize what the new changes are? __________________ DivaTraffic - Traffic for Models

08-23-2011, 06:21 AM	#19
Sharky Confirmed User Industry Role: Join Date: Mar 2002 Location: Tampa, FL Posts: 4,938	Man the xbiz digital is a bitch to get to zoom to a readable level from a Mac. Good info though. L3 has been doing a very good job of keeping Merchants in the loop on new regs! __________________ Sharky

08-23-2011, 10:47 AM	#20
magnatique Confirmed User Join Date: Jan 2001 Location: Montreal Posts: 1,830	well thought out article, it was a good read! __________________ Stunner Media Programs: StandAhead \| IndieBucks \| BoyCrushCash \| Phoenixxx \| EmoProfits \| BritishBucks \| HunkMoney \| LatinoBucks Make $$$ with Gay! Lowest Minimum Payouts in the Business, Perfect Track Record, Amazing Sites

08-23-2011, 12:34 PM	#21
Matt 26z So Fucking Banned Industry Role: Join Date: Apr 2002 Location: ¤ª"˜¨๑۩۞۩๑¨˜"ª¤ Posts: 18,481	If I am reading this right, surfers will have to enter their CC details a second time for each cross sale and press a second submit button; essentially making this a separate transaction in the surfer's eyes. If this is the case, the days of the accidental cross sale are over. ... and 12clicks will be living in the woods eating grass. Last edited by Matt 26z; 08-23-2011 at 12:36 PM..