Have porn buyers significantly switched to pre-paid cards?

[disinfected]

Lately, I am noticing a shit ton of joins with pre-paid cards. I have a 75 cent trial and it is killing me. Most times they fail to rebill, even do not honor on the rebill of pre-paid. Double fuck.

What are other people noticing? If a lot of pre-paid, what are you doing about it? I just want my rebilling sales and seems like times are changing.

And it is adult from my experience. Other sectors I'm involved with do not have this issue. I'm sure there are surfer forums that talk about how not to get jacked with multiple x-sales and likely the solution is pre-paid.

What to do??

[baggg]

You can thank the cardbangers and countless x-sales for that ..

[Captain Kawaii]

Originally Posted by baggg

You can thank the cardbangers and countless x-sales for that ..

Industry leaders.

[editeur]

I'm not a porn buyer, but when I buy something on Internet I just create a new virtual card in my bank's inet banking and move exact sum from my account to this card. Then if everything went ok and there's no need to ask for moneyback I just recycle the card. No way to steal the data, no way to take rebills. Very useful, wonder why other don't do this yest.

[PornDiscounts-V]

12clicks?

[disinfected]

Originally Posted by editeur

I'm not a porn buyer, but when I buy something on Internet I just create a new virtual card in my bank's inet banking and move exact sum from my account to this card. Then if everything went ok and there's no need to ask for moneyback I just recycle the card. No way to steal the data, no way to take rebills. Very useful, wonder why other don't do this yest.

How long you been doing that?

I just turned off accepting pre-paid cards, had enough of this crap. I now give them a message saying we don't accept the card type provided, please try another. Also, I don't let them land on the trial page after, they have to pay a full month.

[MassMarketing]

Block all prepaid cards. It's not worth it. I know netbilling has this option, not sure about others.

[CurrentlySober]

Originally Posted by editeur

I'm not a porn buyer, but when I buy something on Internet I just create a new virtual card in my bank's inet banking and move exact sum from my account to this card. Then if everything went ok and there's no need to ask for moneyback I just recycle the card. No way to steal the data, no way to take rebills. Very useful, wonder why other don't do this yest.

[srockhard]

Get rid of .75 cent trial and/or reset your scrub so that you don't accept prepaid. You can also ask the user upon registration if the card is prepaid. If yes then increase the charge to take maximum available then you'll have all the money and no reason to worry about rebilling.

[Socks]

Yeah, you should definitely stop people from buying! Fuck those customers trying to give you money! Fuck them for not letting you fuck them later!

In other news, it's really making me mad that my neighbours are locking their doors these days, even WINDOWS! Now I have to use a crowbar instead of just walking in like they used to let me do. Fucking assholes.

:P Man.. Just be happy someone is buying your product, and change your price if your prices aren't working for you.

[disinfected]

Originally Posted by Socks

Yeah, you should definitely stop people from buying! Fuck those customers trying to give you money! Fuck them for not letting you fuck them later!

In other news, it's really making me mad that my neighbours are locking their doors these days, even WINDOWS! Now I have to use a crowbar instead of just walking in like they used to let me do. Fucking assholes.

:P Man.. Just be happy someone is buying your product, and change your price if your prices aren't working for you.

Rather silly post and thinking. The analogies make no sense.

I want members long term, not a dine and ditch member. And now I except no pre-paid cards, tell them that, and if they tried to signup for a basically free trial with a pre-paid card that option no longer exists for them. Unless they get a new IP address, and I am blocking proxies as well. They are however told that those cards are not accepted and to try another one, and I am landing them on a page with 50% off first month. So they can join, just not with that pre-paid nonsense.

My business, my billing, my rules

Thanks for all the comments, I am going to try it this way for a few weeks now

[Barry-xlovecam]

Interestingly enough, Facebook can rebill the advertising invoices to the prepaid card that I ((we) for personal use) use on their website. It's from VISA USA ...

[disinfected]

Originally Posted by Barry-xlovecam

Interestingly enough, Facebook can rebill the advertising invoices to the prepaid card that I ((we) for personal use) use on their website. It's from VISA USA ...

Facebook isn't forced to use Merrick bank though either. Just a numbers game, my numbers suggest pre-paid cards suck big time.

[Barry-xlovecam]

Originally Posted by disinfected

Facebook isn't forced to use Merrick bank though either. Just a numbers game, my numbers suggest pre-paid cards suck big time.

Visa® Prepaid Debit Card with 1-2-3 Rewards®

I use the Kroger Bank
reload for free at the checkout line

Who is the "Merrick Bank" ?

Merrick Bank, a wholly owned subsidiary of CardWorks, Inc.

Merrick Bank Sucks ***NVM Added

This is for "incidental expense" I just keep a balance of less than $100.00 on it -- maybe there is no balance on the cards you try to rebill? So the transaction is declined?

[HandballJim]

would you trust adult programs with your credit card number?

If you need to think about it you just answered your own question. Some programs are horrible with communication...let alone they hide their address overseas on some mystery Island.

I even use pre-pay purchasing from non-adult companies...

[directfiesta]

Originally Posted by vvvvv

12clicks?

so true .

[disinfected]

Originally Posted by MassMarketing

Block all prepaid cards. It's not worth it. I know netbilling has this option, not sure about others.

I think they have same option as I do, block, allow, block only signups.

I am assuming block only signups means membership recurring sales. What would be awesome is that the source of software would give, block sales under [dollar amount here] if pre paid.

[iSpyCams]

Originally Posted by disinfected

I think they have same option as I do, block, allow, block only signups.

I am assuming block only signups means membership recurring sales. What would be awesome is that the source of software would give, block sales under [dollar amount here] if pre paid.

There are a lot of things that would be nice like that but the problem is with Netbilling at least they don't get the prepaid flag till after the card is processed.

What I have discovered is that prepaid or not, there are a lot of card types that just aren't going to rebill.

So I take all my historical data and I determine, overall, the average conversion rate for all cards.

Then I look at the decline reasons. How many were declined for insufficient funds? How many for fraud? (stolen card) etc.

For example, per my last review, (6 months ago) I found my credit card submissions were approved 28.67% of the time.

22% of the time on initial and 37.33% on recurring

Of all my approved transactions, 52% are recurring transactions, the rest are initial.

The declines on initial were 1.58% of the time for fraud, 15% for insufficient funds. (the rest other.)
On recurring, 4% for fraud and 28% for insufficient funds.

So now I know if a particular bin % is approved significantly less than 37% of the time on recurring billing and its significantly over 28% of the time for insufficient funds, then it's a bullshit card that I don't need.

I found cards listed as prepaid that performed well, and other not listed that don't perform at all.

for example for the test period, which spanned around 5 months, I had 960 transaction attempts with bin # 425032

This is a Green Dot Visa card, very popular with affiliates who like to scam PPS programs. You can buy them at Walgreens and a lot of other places.

only 81 approvals. of those 81 approvals only 10 were recurring. there were 316 declines for insufficient funds, roughly 33%

Obviously I am better off without that BIN #

And I went down and made the same analysis with all bin #'s that had more than 100 transactions on them, found some surprising things, banned the shit bins, conversions went from 33 to 45% (though gross sales volume suffered of course)

I do really wish Netbilling would allow me to permit prepaid cards on trial offers but allow on full joins. But for now I just do my best with what I got.

[DAMNMAN]

Originally Posted by baggg

You can thank the cardbangers and countless x-sales for that ..

This!!!!!

[Major (Tom)]

Originally Posted by pompousjohn

There are a lot of things that would be nice like that but the problem is with Netbilling at least they don't get the prepaid flag till after the card is processed.

What I have discovered is that prepaid or not, there are a lot of card types that just aren't going to rebill.

So I take all my historical data and I determine, overall, the average conversion rate for all cards.

Then I look at the decline reasons. How many were declined for insufficient funds? How many for fraud? (stolen card) etc.

For example, per my last review, (6 months ago) I found my credit card submissions were approved 28.67% of the time.

22% of the time on initial and 37.33% on recurring

Of all my approved transactions, 52% are recurring transactions, the rest are initial.

The declines on initial were 1.58% of the time for fraud, 15% for insufficient funds. (the rest other.)
On recurring, 4% for fraud and 28% for insufficient funds.

So now I know if a particular bin % is approved significantly less than 37% of the time on recurring billing and its significantly over 28% of the time for insufficient funds, then it's a bullshit card that I don't need.

I found cards listed as prepaid that performed well, and other not listed that don't perform at all.

for example for the test period, which spanned around 5 months, I had 960 transaction attempts with bin # 425032

This is a Green Dot Visa card, very popular with affiliates who like to scam PPS programs. You can buy them at Walgreens and a lot of other places.

only 81 approvals. of those 81 approvals only 10 were recurring. there were 316 declines for insufficient funds, roughly 33%

Obviously I am better off without that BIN #

And I went down and made the same analysis with all bin #'s that had more than 100 transactions on them, found some surprising things, banned the shit bins, conversions went from 33 to 45% (though gross sales volume suffered of course)

I do really wish Netbilling would allow me to permit prepaid cards on trial offers but allow on full joins. But for now I just do my best with what I got.

Netbilling is archaic.
Ds

[iSpyCams]

Originally Posted by DukeSkywalker

Netbilling is archaic.
Ds

What do you recommend?

[Major (Tom)]

Originally Posted by pompousjohn

What do you recommend?

Here is the problem with us. We are stuck on nats 3. I have too much custom code to move to 4. So thats not an option. Now, netbilling is just ezic (spl?). It's nothing fancy, a basic cart with a great support team. As far as features go, it's really really behind. The problem is all the ISO's out there pitching you a merchant account will say "this mid will only work with our gateway because we have a special relationship with the bank." NEVER believe that. It's bullshit. Now, if I had the time & the staff of geeks to make this happen I'd be on rocket gate. We got a tour from them and it's literally a Porsche gt2 compared to netbillings VW Jetta. It has tons of features that I could really use. The rates are similar to netbilling, i.e., not that competitive. There are other gateways out there, too, but, I haven't really been following along because of my nats situation. Our next big project will be trying to build our own gateway me thinks. We've been kicking that around for some time.
Best
Duke

[eroticsexxx]

Every online purchase I perform is done with a pre-paid card. It's called saving your own ass.

And yes, I do support some of the adult programs that I am an affiliate of.

Blocking pre-paid might not be such a good idea, but I defer to those with more experience in such matters.

[disinfected]

Anyone know how to recognize the number of a prepaid? I will block it on just trials before ever going to mid.

[wdsguy]

binlist.net - Free BIN/IIN Lookup Web Service I believe you can get the prefix of prepaid cards

[Major (Tom)]

2 things need to happen as I'm not a fan of making it harder anytime someone is trying to give you money. 1. If it's a prepaid they are taken to a page after submit notifying them that they are using a prepaid & the price goes from the trial price to a monthly. The pps option goes to 1/2, too. Now, a gateway that can do that, bravo.
Ds

[iSpyCams]

Originally Posted by eroticsexxx

Every online purchase I perform is done with a pre-paid card. It's called saving your own ass.

And yes, I do support some of the adult programs that I am an affiliate of.

Blocking pre-paid might not be such a good idea, but I defer to those with more experience in such matters.

I don't think anyone has a problem accepting prepaid cards, money is money. It all adds up. It's paying PPS commission on trial joins made with prepaids that is a pain in the ass. Especially when there are indications the affiliate is encouraging the use of prepaid cards or providing them outright.

[420]

sweet, i just thought of a new gig

for $5 I will use a prepaid card to sign up for a free porn trial under your affiliate link

[iSpyCams]

Originally Posted by 420

sweet, i just thought of a new gig

for $5 I will use a prepaid card to sign up for a free porn trial under your affiliate link

You and an army of Pakistani's, Filipinos and Indians. i.e. not a new idea.

Edit: and the going rate is a lot higher than $5.

[edgeprod]

I didn't know you ran sites, man. Hit me up on the other board and let's chat about this issue.

[iSpyCams]

Originally Posted by edgeprod

I didn't know you ran sites, man. Hit me up on the other board and let's chat about this issue.

Sorry, who - me? What other board?

[420]

Originally Posted by pompousjohn

Sorry, who - me? What other board?

Second question kinda answers the first, no? He's talking to disinfected.

[iSpyCams]

Originally Posted by 420

Second question kinda answers the first, no? He's talking to disinfected.

oops....

[bagfull]

there no way in hell, i give any one my bank card or credit info, i been burn to much, get weird charges and shit, fuck that, why people use prepaid card, if i see some porn i like and it dont take my netspend card. i move on or wait until someone jack the shit

[disinfected]

Originally Posted by edgeprod

I didn't know you ran sites, man. Hit me up on the other board and let's chat about this issue.

Yeah, I posted in a thread on there about paysite promotion.

I want to turn the site into a cams/games operation. Regarding this thread, I host my own join form and need to figure out the prepaid check before it goes to the mid. A link was posted to do just that and will check it out with programmers this week.

Pompous, dont be a stranger over there. It is time that we all put our heads together and make it happen. Programmers, designers, key word specialists, motivators, its all there. It is time to cash in, we need to join forces and dominate this industry.

[freecartoonporn]

You can thank the cardbangers and countless x-sales for that ..

Originally Posted by editeur

I'm not a porn buyer, but when I buy something on Internet I just create a new virtual card in my bank's inet banking and move exact sum from my account to this card. Then if everything went ok and there's no need to ask for moneyback I just recycle the card. No way to steal the data, no way to take rebills. Very useful, wonder why other don't do this yest.

what bank is yours ?

[Barry-xlovecam]

Name	Type (length)	Description
prepaid	enum	This field can be either Yes or No . 
This indicates whether the card is a prepaid or gift card.
 If no bin input was provided, this field will be left blank.

minFraud Web Service API « Maxmind Developer Site
MaxMind minifraud
not free ;)

[disinfected]

Originally Posted by DukeSkywalker

2 things need to happen as I'm not a fan of making it harder anytime someone is trying to give you money. 1. If it's a prepaid they are taken to a page after submit notifying them that they are using a prepaid & the price goes from the trial price to a monthly. The pps option goes to 1/2, too. Now, a gateway that can do that, bravo.
Ds

That can be done if you host your forms because you can run a check on the first 6 digits of card number. Changing the PPS would be something to code in NATS, or sliiing, or whatever affiliate software. If using 3rd parties, I think you will need to wait 6 or so years.

That being said, I re-enabled those cards and increased my trial to almost 7 bucks. And it has shown no slow down in trial sales, yet, seem to be getting much lower pre-paid cards. I think it deters the guys that buy 20 pre-paid and load with $5 or whatever. Anyhoo, whatever the reason, it's working like described above.

Checking pre-purchase I do intend to get coded in the sometime near future because think that ultimately is the best. I host my join forms so no issue there.

[chloelewis]

Originally Posted by Socks

Yeah, you should definitely stop people from buying! Fuck those customers trying to give you money! Fuck them for not letting you fuck them later!

In other news, it's really making me mad that my neighbours are locking their doors these days, even WINDOWS! Now I have to use a crowbar instead of just walking in like they used to let me do. Fucking assholes.

:P Man.. Just be happy someone is buying your product, and change your price if your prices aren't working for you.

[chloelewis]

Instead of blocking prepaid cards, why not work on your product to give them a reason to buy again the month after?

You guys talk about credit cards and stuff. They are CUSTOMERS. Work on your product and make them happy and they will buy again the next month.

You want your customers to be with you longterm because they forget to cancel or because your product is so good that they stick around?

If your business model is to rely on people forgetting to cancel... your problem is poor business fundamentals, not pre-paid cards.

[disinfected]

Originally Posted by chloelewis

Instead of blocking prepaid cards, why not work on your product to give them a reason to buy again the month after?

You guys talk about credit cards and stuff. They are CUSTOMERS. Work on your product and make them happy and they will buy again the next month.

You want your customers to be with you longterm because they forget to cancel or because your product is so good that they stick around?

If your business model is to rely on people forgetting to cancel... your problem is poor business fundamentals, not pre-paid cards.

Read above. Thanks.

Can you put me in touch with the real Chloe? I would like to do some cross promotion... thanx g

[chloelewis]

Originally Posted by disinfected

Read above. Thanks.

Can you put me in touch with the real Chloe? I would like to do some cross promotion... thanx g

I am real Chloe ^^ [email protected]

[disinfected]

Originally Posted by chloelewis

I am real Chloe ^^ [email protected]

I will send an email.

I don't think you are posting as the model on that cam but let's just forget that. If that email is the email to make magic... then I have a proposal and will send.

People on here are smart. Acting as model and brains (if you are not) will not help in the long run. Either act agent, or act model... if you are both then this is a first for me.

Anyway, yeah, your post rubbed me the wrong way. I already forgot about it. I have a set of rules I work by... maximize profits, do not fuck the surfer. Doing a rebilling program is very acceptable (in my book) and maximizes profits. There is a few on here that would like to cross bang 100 times a card if they could, and they, in my book, are criminals.

Doesn't take much searching to find out who are the good guys, and who are not.

[chloelewis]

Originally Posted by disinfected

I will send an email.

I don't think you are posting as the model on that cam but let's just forget that. If that email is the email to make magic... then I have a proposal and will send.

People on here are smart. Acting as model and brains (if you are not) will not help in the long run. Either act agent, or act model... if you are both then this is a first for me.

Anyway, yeah, your post rubbed me the wrong way. I already forgot about it. I have a set of rules I work by... maximize profits, do not fuck the surfer. Doing a rebilling program is very acceptable (in my book) and maximizes profits. There is a few on here that would like to cross bang 100 times a card if they could, and they, in my book, are criminals.

Doesn't take much searching to find out who are the good guys, and who are not.

I have a tech background that all my fans know about since I started camming. Have a look at my Twitter account or the interview in my signature or ask anyone who knows me. I don't understand why it's so weird that a girl can have brains and be a model too?!?

I did not want to upset you with my opinion. It's just that in this industry it's so different than where I'm coming from. It's about user experience and putting the customer first. Here it's like all about traffic and signups. It's like no one think of the customer happiness or user experience.

[disinfected]

Originally Posted by baggg

You can thank the cardbangers and countless x-sales for that ..

Originally Posted by vvvvv

12clicks?

Originally Posted by disinfected

Doesn't take much searching to find out who are the good guys, and who are not.

Just a recap post quote for easier reading.

[disinfected]

Originally Posted by chloelewis

I have a tech background that all my fans know about since I started camming. Have a look at my Twitter account or the interview in my signature or ask anyone who knows me. I don't understand why it's so weird that a girl can have brains and be a model too?!?

I did not want to upset you with my opinion. It's just that in this industry it's so different than where I'm coming from. It's about user experience and putting the customer first. Here it's like all about traffic and signups. It's like no one think of the customer happiness or user experience.

Like I said, never seen a cam model with ability to know what is what when comes to business. But your posts speak from experience, and your join date is this month.

How could you know about traffic and signups if you just started this month?

FREE PAUL MARKHAM!

[chloelewis]

Originally Posted by disinfected

Like I said, never seen a cam model with ability to know what is what when comes to business. But your posts speak from experience, and your join date is this month.

How could you know about traffic and signups if you just started this month?

FREE PAUL MARKHAM!

I have been camming for over a year... I'm all over the tube sites and file lockers It's not because I join GFY this month that I don't have experience...

[sandman!]

Originally Posted by baggg

You can thank the cardbangers and countless x-sales for that ..

[Captain Kawaii]

Originally Posted by chloelewis

I have a tech background that all my fans know about since I started camming. Have a look at my Twitter account or the interview in my signature or ask anyone who knows me. I don't understand why it's so weird that a girl can have brains and be a model too?!?

I did not want to upset you with my opinion. It's just that in this industry it's so different than where I'm coming from. It's about user experience and putting the customer first. Here it's like all about traffic and signups. It's like no one think of the customer happiness or user experience.

Where are you coming from? It sure as hell isn't Montreal.

[chloelewis]

Originally Posted by Captain Kawaii

Where are you coming from? It sure as hell isn't Montreal.

haha my french accent don't lie!