cariflav

I am taking a quick survey on who you all think are the best billers. You know what i mean, fewer charge backs and refunds, good payment options, etc.

thanks guys.

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CurrentlySober

I can understand why you haven't got any replies, but I'll give you a bump anyway, as compensation...

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cariflav

Lol. why have I not gotten any replies buddy?

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adultmobile

Summer week-end, bad timing.

My 2 cents, check segpay and zombaio for smaller fees and epoch for more billing options but bigger fees. If you want be exotic try clickandbuy, germans like it.

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cariflav

Thank you for your reply. Sorry I never rest LOL. So what about CCBill and Verotel?

Thank you in advance.

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SpeedoDave

I split mine 50/50 between CCBill and Epoch.

If I saw someone from Verotel walk infront of my truck.... I might have trouble finding the brake pedal.


Dave

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cariflav

LOL now that is funny Dave. But what about the likes for Segpay? I personally find their high chargebacks and Refunds to be very distasteful.

Dave what issue have you had with Verotel in the past? I asked because some of my affiliates have been requesting that I use them as the biller on their programs.

Thanks a mil

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cariflav

Oh yes, I forgot about Sepgay's two weeks hold on funds. I do not like that at all.

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alf6300

Experience here with Verotel:

1. their wires come like a clockwork.
2. their join page is very good
3. they convert well in A/B tests
4. their tools suck big time. they do the job, don't get me wrong, but if you are looking for any stats or goodies beyond basic processing and counting the money, they won't have it.
They keep saying they are working on it, but gotta be a very patient man with their timing.
5. Their support response time and quality is bad, certainly compared to other billers.

I wouldn't press on the gas pedal if was on a truck in front of them, but certainly they can be irritating at times - sent a few basic suggestions on how to improve things on their side, with some detailed tips on their tools, some of such mails did not even get answered. That's a pity, because it feels like it would take them so little to improve from "so-and-so" to "awesome", just a product manager who knows what to do and a couple of skilled developers.

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cariflav

Thank you very, that was very insightful. I will take these well written pointers into consideration if I am to grant my affiliates their request for Verotel.

Thank a lot.

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alf6300

Pleasure, man - anytime

ps, i like your sites

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cariflav

aaaaawwwwww, thanks a lot man, I really try. LOL

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adultmobile

We don't get more chargebacks or refunds with SegPay really. But, we are a cam site and we double check every transaction and void 90% of frauds within the first 24h ourselves - for cam sites is easier to see carders as they buy like $1000 in 3 hours as new user LOL.... we do this double check for 6 billers we have (include own merchant account as primary). In fact SegPay some time voids fraud sales themselves, they have risk people doing it (some refunds may be from their risk dept). About the hold periods or %, if you do lots of transaction with them, all the billers (includng SegPay) will be more nice with you. We never used Verotel just because our merchant account uses same bank - we have other billers mostly because each card is friendly with different banks - so it may decline forever one biller just as does not like its bank, while may like another - and have nothing to do with how cool a biller is... users always email us that while submitting to this or that biller, their card is disabled and bank calls "you made this transaction or it is fraud?", such a paranoia especially happens if US or CA cards are used online in Euro banks, but I seen this happening even US->US or whatever combination. Ideally you should have one biller per country, or one biller per bank

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cariflav

Man..... Thank you for that input. Now it make some sense to me. The program I had the was using Segpay as a biller The bank was an EU bank (I think) as its Segpay EU, and most of the customers where from the USA and Canada. That may be the reason for many of the refunds that sighted fraud.

So, now I will have a different biller for each region, EU, USA and Canada and so on, that make sense. I will sure to do that.


Thanks man. Please pass on any other info you have that make can help. thank you.

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marlboroack

They are all equally shitty in 1 way or another. Epoch and CCbill are the most reliable.

cariflav

I have a I currently trying out CCBill now. they seem ok but yet to get my first payment, I have just started. will see what they do. Epoch? I read some stuff, not sure what to think.

You seem to have some good experiences with Epoch. So what do you make of this post?

https://gfy.com/showthread.php?t=1076804

Thanks in advance.

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SegPay

SegPay also has a US and Canadian IPSP solution. That should help your conversions if you are primarily promoting to consumers in the US/Canada.

cariflav

I know this, but I have an EU company, so I will not be able to get that service. I would have to stay at Segpay EU.

Well that is what I understand of it all.

You can tell me if I am wrong.

Thank you in advance.

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Rand

If you have any questions for us, don't hesitate to give us a call or drop an email.

A couple of things to consider...

We don't hold a reserve or charge a security deposit on your sales. And, we accept more payment options than our top competitors.

We have custom payment forms for languages and currencies, cam sites and membership sites, and a growing number of regional and local billing options. Included with every contract, we add and an entire suite of marketing features to help you increase sales and retention, an affiliate tracking and payment program, and free cascading to a secondary processor.

Contact us today to see if we can help.

.

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cariflav

That sounds great. That's another thing, we are not too sure we like this reserves thing. Also I like 1 week hold as well. You see I have a some very good Affiliates working and I LOVE to pay on time every time.

Also Tell me Epoch. Do you have a bank for EU/UK processing ? Or just US and Can?

As someone said, and it makes sense. If your customers are from EU/UK use processor with Bank there. I am starting to see how that have some merits.

Therefore our strategy forward is to use EU/UK Processor bank for our EU/UK customer and US and CAN processor bank for our US and CAN customers.

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NETbilling

Once you reach volume over 10k per month, please keep NETbilling in mind when it is time for you to have your own merchant account. We will certainly save you $$$ and provide your with extreme control and flexibility.

Thank you

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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!

cariflav

Hi
LOL, we do that in days. What I am very interested in buddy are very low to no ChargeBacks and Refunds, great rates, now more than 1 week hold, no reserves. go merchant admin, etc.

I want A good one stop shop. But from what my limited research have told me so far, there are no one stop shops in processing.

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cariflav

Let me just say this, Since I have done some research, I realize that the voids/refunds that we got from Segpay were really mainly due to the Processor Bank in EU and the customers in US/CAN. Not Really fault of the biller.

Just as adultmobile said. This can be the issue with any processor. But 1 week hold with and no reserves with segpay would be so nice.

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Rand

Epoch processes transactions for merchants in the U.S. Visa region and the E.U. Visa region.

I can't see much benefit to having two separate accounts, since where the biller has banking isn't revealed to the consumer during purchase. In the case of Epoch and EpochEU every feature and option is identical. The only difference would be that EU clients don't pay a Visa registration fee.



.

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cariflav

Ok, I EU reg fees are not paid for EU merchants.

Yes I know this. But If I am in the US with a US card and my bank sees a transaction in EU don't you think that my bank will raise a Red Flag, and if not contested the transaction may voided?

Don't that argument have some merit? What do you think ?

Thanks

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Rand

Not necessarily, or even likely. Unless the amounts were alarming.

The world is a global marketplace. And when you're going through a service like PayPal, or Amazon, or even an IPSP, etc.. international charges are common place.

All merchant accounts (US) accept transactions from all over the world with the exception of the nations disallowed by OFAC.


.

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cariflav

I see. So tell me what may cause large amount of refunds?

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Evil Chris

Hit me up, I have some great ideas/recommendations for you.

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Rand

The most common reason for a large number of refunds is that the site doesn't function properly or the content was not as described. Usually when you see a large number of refunds it is a site issue.


.

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cariflav

Ok. But that does not explain if you sell the same, content with one biller as you do with another biller but get less refunds form the other biller. LOL.

Thanks again

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Rand

That all comes down to experience, and the expertise of the customer service department at the billing company. Or, even the biller's ability to screen out bad transactions on the front end.

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PR_Phil

on what volume.

to process 10,000 transactions a month on one biller with 2% refunds and 10,000 transactions at another biller at 5% refunds is alarming.

to get 100 sales in a month at one biller with 1 refund, then 100 sales at another biller and 5 refunds, that's a lack of an appropriate sample.

Paysite sales are not coin tosses, each and every one is unique, each customer is unique, and any one of them can choose to be a dick. you can have all clean sales one month, then the next month some guy with 12 pre paid visas might find your program, join each site for a $1 trial, jerk off for a couple hours then request a refund. 1 single person can throw your refunds or chargebacks way out of whack.

so how big was your sample, was it large enough to account for things that just happen? no disrespect to affiliates, but i would not change billers because an affiliate wanted me to, or affiliates. It's their job to become the best sales people they can, it's not their job to determine what biller is going to protect your future. I'd certainly listen to what they had to say, but in the end, if it is your program, you should be choosing who holds onto your money!

I've worked with Epoch and CCBill for 10 years, and no major complaints, except that the CCBill interface always used to suck, and you had to do the set up yourself, whereas at epoch you can have them do the leg work. I'd like to try out SEGPay, but their compliance is tough, in the time since I have been trying to open a SEGPay account, my sites have passed G2 scans done by 3 different banks, and were fine, while at the same time SEGPay has repeatedly sent the sites back to me over and over again, but they are nice about it!

Phil

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cariflav

Now that is another valid point right there.

I sure hope that others that have the same question like me about Billers will find this post. Its turning out to be very insightful.

Thank you all

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cariflav

WAW!!! Phil, Thank you for that. I do take my affiliates into consideration when I make changes to my business just as how I take my members, as they are all stakeholders.

I must say I find your post to be very detailed and very helpful too. The part about PrePaid Visa Jerk so true at times.

Now I have to take all that have been said here into account when making a decision about billing.

Thank you so much Phil.

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ezrajulesjordanvideo

Epoch is the best.

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Ezra
icq: 620932275
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cariflav

Hi,
Thank you for your input. Could you tell us why you think Epoch is the best?

Thanks a mil

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ezrajulesjordanvideo

There are no hidden fees. There percentage fee covers everything customer support, Merchant Fees. You don't pay extra for anything else. You also do not need a reserve withholding with them as well. They also make it easy to do 1click upsells with there other customers so you can make more money off each membership.

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PR_Phil

he's in Woodland Hills, 10 miles from Epoch's head office, not saying that had anything to do with his comment, but it may have. Anyways, Epoch is Solid, I would not say the best, because I have not used them all, but I can tell you after 11 years, Epoch is the only processor we started with that we are still to some degree using.

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cariflav

OK. thank you. I not to be an ass, but we discussing openly. I have had many Affiliates say the really not for epoch and then I saw this lost. https://gfy.com/showthread.php?t=1076804&highlight=EPOCH

Not too much on our line of argument but we all need to look at all aspects when choosing the right billers.

What do you think?

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cariflav

Ok... So you stuck with them for 11 years though little. That is a good sign.

You see I am 2 years old in this business and I have learnt a lot be my lonesome. Form filming, edit, website coding, marketing, server hosting, you name it. But I have always wanted to learn more so I can make my business better. So all these comments are really helping me. Thank you all.

PS. Phil, I have just realized that you have not told us who you rank as your number 1 biller. Or top 3 billers even?

Thank you in advance Phil.

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Rand

You can go with a biller that lets pretty much everything through the gate, or with one that's minding the store. I suppose it depends on your long term view of your business. That is, if you have a long term view for your business. We do.

We don't request information for no reason. We've got plenty to do on our end already thank you. Our request was reasonable. Sometimes people aren't. - Just sayin'.


- And, thanks guys for the nice comments.


.

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NetwErk GUrl

I'd like to discuss CommerceGate as an option for you as well. We've won "EU Billing Company of the Year" several times, we US & EU IPSP Accounts, US & EU Direct Merchant Accts, US & EU Gateway Services, US ACH Payment Processing and EU Direct Debit Processing... which does sort of make us the fabled one-stop shop.

No one has piped up for us here yet, but that doesn't mean I don't have a list of happy customers I can introduce to you... because I do.

I'd be happy to answer any questions you have so you can compare us to your other considerations.. we've been specializing in high-risk for 15 years and we're still around.

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cariflav

Thank you very much for your input and shedding some light on that post for me. As the new guy you get bombarded with lost of information. I am just trying to navigate myself through the maze safely and successfully.

Thank you again epoch means a lot to me, and I am sure others who are having the same questions as it relates to processors.

THANKS

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cariflav

Hi There,

Thank you so much for joining us and for introducing your company. You know I always wanted to know what is the difference between a gateway and a processors. Is there a difference?

And if you can tell us more about CommerceGate (rates, fees, holds on funds, integrations and so on) I would be most appreciative.

Thank you in advance.

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Rand

You bet!


.

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Struggle4Bucks

Why would that be? We allready had banks in Europe while in America they were still living in wigwams:-) No red flags... all western society...
No really... Epoch is really really good! fast 24/7 support... even my most stupid questions
get a friendly reply... always! And don`t forget about the handwritten christmas card they send every year!

cariflav

Lol, Your most stupid questions. Very funny. You see I am not realizing that there is a lot more to processing than merely Geographic. But I will still continue doing my research. But though I was told otherwise, I seem to be liking Epoch.

Thank you so much for your post, loving your response.

PS. I should signup with Epoch just for those Xmas Cards. LOL

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Struggle4Bucks

Good luck with your research! I have such good experience with them that it would not be fair to not say something positive about epoch in this thread. and yeah... the xmas card lol... they don`t have to do that but they do... imagine... not an Ecard.. No... they take the effort to write a card... put it in an envelop and send it all the way from the us to holland... I appreciate that... haven`t seen my mother-in-law doing that

cariflav

LOL LOL, you are one funny person.

Thank a lot again.

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Struggle4Bucks

Henry: You're a pistol! You're really funny. You're really funny!
Tommy: What do you mean I'm funny?
Henry: It's funny, you know. It's a good story, it's funny, you're a funny guy!
Tommy: [dangerously] What do you mean? You mean the way I talk? What?
[Everyone becomes quiet]
Henry: It's just, you know, you're just funny. It's funny, the way you tell the story and everything.
Tommy: Funny how? I mean, what's funny about it?
Anthony: Tommy, no, you got it all wrong ?
Tommy: Oh, no, Anthony. He's a big boy, he knows what he said. [to Henry] What did ya say? Funny how?
Henry: Just ?
Tommy: What?
Henry: Just, ya know, you're funny.
Tommy: You mean, let me understand this, 'cause, ya know maybe it's me, I'm a little fucked up maybe, but I'm funny how? I mean funny like I'm a clown? I amuse you? I make you laugh, I'm here to fuckin' amuse you? What do you mean funny? Funny how? How am I funny?
Henry: Just... you know, how you tell the story, y'know ? what?
Tommy: No, no, I don't know. You said it! How do I know? You said I'm funny. How the fuck am I funny? What the fuck is so funny about me?! Tell me, tell me what's funny!
[Long pause]
Henry: Get the fuck out of here, Tommy!
[Everyone laughs]
Tommy: Ya motherfucker! I almost had him, I almost had him! You stuttering prick, you! Frankie, was he shaking? I wonder about you sometimes, Henry. You may fold under questioning.