plsureking

i am surprised that ccbill let the week close without a response. if its a simple explanation they should have given a simple response. if its a "forex issue" then they should have a canned response for that. considering how much noise the OP has made over this, i think its bigger. so big, maybe, that admitting the problem could cost them millions.

my comment - why havent you switched to Zombaio? they have much lower declines, they are based in EU, and their lower processing fee by far covers this percentage missing in CCBill transactions.

i have been dealing with them for 2 years on hundreds of client sites and i have had zero problems reported. their admin interface is better, setup is easier, fees are lower. add it all up and it equals easier, stress-free billing.

just

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PornoMonster

CCBILL did have some sort of a bug not to long ago. They fixed it and sent me a check for the difference.

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chucklesnorris

@PornoMonster - what was the bug?

@plsureking - I'm waiting for CCBill to get back to me (still) and have signed up and been approved by Zombaio in the meantime.

ArsewithClass

I hope ccbill answer this thread, as i'm concerned, I've also noticed i've been paying a 16%

chucklesnorris

Sec... had to delete

chucklesnorris

This is my latest response from CCBill:
I sent a response back asking to confirm a few things, so will be waiting for that.

It still seems silly to me. If they're doing the currency conversion to pay me and hitting me with a 5.11% fee, then why not just do the conversion and charge in USD and avoid the fee all together, or pay me out in GBP so they don't have to do it from GBP to USD?

I don't get charged any fees when charging foreign customer in USD, why should I be charged a fee for chaging in GBP?

EukerVoorn

I have to disagree, Zombaio does exactly the same conversion tricks, if not worse. As far as I remember, with Zombaio you can either process your account in USD to EUR. Now let's say you process in USD and you charge $30/month. Then people paying on other currencies, let's take EUR as an example, would have to pay something like 24 euros, but there is no transparency here. But once you ask one your European members you'll learn that they paid 25 euros or so. I asked Zombaio about this and they said they are using some kind of currency conversion database a lot of other companies use as well. But of course this is a database that is biased hugely in their advantage.

Also, the processing fees of CCBill and Zombaio don't differ much anymore because Zombaio continues to raise them.

Then take into consideration the huge affiliates network on CCBill and conclude that CCBill isn't "more expensive" than Zombaio. CCBill works great for me. I didn't know about the conversion crap I'm reading in this thread but as soon as you start working with credit card processors, billing providers and banks you just have to prepare yourself for getting fucked up your ass very hard.

Also, what is the advantage of Zombaio being based in the EU? Something with taxes?

rowan

I'm guessing it's because the cross border and currency conversion fees have shifted from customer pays to merchant pays.

Kolargol

Any news?

SlammedMedia

They're no different than any other company out there that gets a chance to touch our money. They all think for some reason they should get another piece of the pie when the exchange is done. It's complete theft as far as I'm concerned.

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Kolargol

amazing how no one is interested - do any ccbill program owners read this board anymore?

Joshua G

umm yeah...the answer was posted a couple times now.

plsureking

how did you come up with that?
the last post from the OP says he is still waiting for an answer.
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Joshua G

post 56 is their conclusion. questions beyond that would be clarifications, but not another answer.

the fact the OP stopped posting suggests he understands.

this is a good example where customer service is tough. front line CS reps dont know, so they say its a bug, then someone higher up gets the question, the answer spills out all over the dock.

Charging the conversion fee is not strange to me. the 5% seems high, but outrageous fees & fucking over their clients is typical of bank of america (CCBills bank)

Joshua G

if you want to get mad at CCBill...

when they mail out checks to programs/affiliates, they charge the standard postal rate 44 cents. But on the envelope, you see they get charged the bulk rate for mail, 36 cents. So CCbill generates a profit of 8 cents for every check they mail.

plsureking

ah thanks i missed that it was the conclusion.
OP said he was still waiting to hear back on a few things.

double fees for non-US transactions. thats pretty bad. EU charges go through CCBILL-EU and then get transferred to the US for US clients. why not charge EU customers using CCBILL-US for US clients and save the EU/US transfer fee?

that right there is a reason to use another biller. does Zombaio pass charges back and forth between their US and EU branches? of course not.

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Due

It's not a dual fee.

The merchant is charged 1 time the fee only.

But here the merchant is the customer as well since he performs a test transaction. His local bank here in US charge him a fee for buying in GBP / overseas which have nothing to do with ccbill.

Ccbill is from what was written here not even charging a fee they are just doing the exchange based on the rates they got from their bank. The fees will be the same wherever you go, possible lower with ccbill than anyone else due to volumes.
But here the guy is complaining about the spread in the currency rates when buying and selling saying Ccbill is the one to blame.

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V_RocKs

Somebody has to cut a rather large check...

EukerVoorn

This thread shows again the stupidity in the porn biz. Apparently people who make money from selling fuck flicks like it when someone fucks them hard and they won't think twice before turning the "other cheek"

plsureking

ah ya that makes sense except his initial investigation began because his customers reported the same double conversion going on.

my conclusion of what is happening, according to the explanation from both parties, is CCBill-US l is converting USD to EUR to take the money from the EU site customer and then converting it again from EUR to USD to pay the US client. its a double conversion, with a difference of X% between the 2 conversion rates.

the conversion from EU to USD for the client deposit is happening because CCBill-US transfers the transaction to CCBill-EU before processing, which only works in EUR, then transfers it back to CCBill-US after the sale.

sure it doesn't matter if you only do 1 sale a week, but this could be a big deal for larger customers (i know a few) that do hundreds of transactions a month. seems CCBill-US clients need to have a 2nd CCBill-EU account to process EU customers and get paid out in EUR from that account without any conversion to USD back or forth between the 2 CCBills. their only conversion rate would be at their own bank on deposit. otherwise CCBill-US customers are potentially losing a lot of money on this double conversion.

it follows logic anyway. this doesn't sound like a bug. it just sounds like this is how they process orders. maybe i am way off but CCBill didn't bother to visit this thread with their name on it.
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Socks

I think I brought this up 2-3 years ago when CCBill adopted "regional pricing" because it just didn't seem to add up to me. They're charging a rate that isn't in sync with reality, but then converting back when paying out in a rate that is in sync with reality. As far as I remember. Maybe later today I'll look into my history here and see if I can find it.

chucklesnorris

I never got a clarification from CCBill.

I had gotten an email that said:

"Your last billing date was 2011-12-27, when you were charged the amount of ?5.95."

Ironic, as I was charged $6.27, then a $0.16 fee for GBP to USD which amounted to $6.43.

^The above did not show the 'pricing option'. It showed exactly how much CCBill paid me.

As of now I presume that CCBill's stance on the issue is that:

1) They charged 4.00 GBP
2) My bank converted it to $6.27, and later charged me $0.16 conversion fee
3) They sent back out 4.00 GBP to CCBill's bank
4) CCBill took 4.00 GBP and converted it to USD (probably also $6.27), then charged me 5.11% to do this "conversion"
5) Paid me out $5.95

My complaints:

1) Their "conversion fee" is 100% more than my banks. Like I said before, they should either pay me the 4.00 GBP directly so I can do the conversion or at a minimum, let me have an EU bank tied to my account so I can just hold my GBP funds as I please.

2) Their CCBill-EU account did the transaction. They weren't forced to convert GBP to USD. Why would they? If I was them, I would be holding the 4.00 GBP and paying them out with the funds I already take in, in USD. That way, I can charge a 5.11% "fee" while not even converting the original funds at all.

ArsewithClass

All in all, is this a fact that they are taking higher fees than said, also that it is happening to all accounts?

If so, is there any billing company that doesn't charge huge fees & is ccbill interested in dealing with this problem?

EukerVoorn

I already told you: yes they do. Only they are better at hiding it. Do you charge for subscriptions in dollars? If yes, ask your European, Brittish, Australian and Asian customers how much they were charged for, and compare that to the currency conversion rate of your bank, and be shocked. Zombaio takes at least an extra 5 to 10% from non-dollar transactions, being paid by your customer.

plsureking

there is no proof of that in any stats.
you work for ccbill eu or something?
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