How hard is it to get a processor if you have a merchant account?
 

I am sick of getting jerked around by 3rd party processor.. I think I am going to finally make the step to getting a merchant account and processing my own credit cards... How hard is it to do this, and what companies are good and take adult sites?? I also need shopping cart functionality.

Thanks,
Rpet

Not sure if they are good or not, but I konw a few people who use Plug n Pay.

as far as API goes authnet and linkpoint are dominant; as far as a processor goes, find one that fits your needs

Having your own merchant account is the best option. It puts you in full control of your scrubbing, negative database and what countries you process. However its not easy. I've been working on it with netbilling (who are great!) for the last couple months and we are still about 2 weeks out from being set to process. Biggest hurdle is there is one bank in the usa that still gives authentic adult high risk merchant accounts. You also need to have a very good chargeback history. 1% or over and they won't touch you. Also you need to do 100,000 a month in sales. The bar is high and its also not cheap. But like I said I think its worth it if you meet the criteria. I'll let you guys know how it goes for once I start processing with mine :thumbsup

btw affiliates of my program using ccbill have nothing to worry about, none of those links will ever change!

true. and this keeps 99.99% of people from getting their own account.

There is more then 1 bank that takes adult merchant accounts. I think there are 3 actually. Joey B. Lo is probably getting setup through Humboldt since they require the $100,000/monthly minimum. You can talk to Joe about getting setup through Woodforest if your doing under $100,000/monthly

Joe:
888 997-5174
http://www.msusa.info
and then use PayWide.com for your password management, rebilling, fraud scrubbing,etc.. Your looking at least $1,500 for the Mastercard, Visa and bank fees to get setup. Talk to a couple of people that can get you a adult merchant account to get the best prices. It never hurts to try and get a merchant account (except the time to fill out the forms and fax the paperwork).

Having your own merchant account isn't usually the best option. I would suggest checking out what the other 3rd parties have to offer before you take that step.

I would be gad to help you learn more. Start with my "see sig".

Fill out the short form so I can have a professional call you at a time best for you.

if you got a merchant account you can be your own processor

? what do you mean by this?

you'd still need a gateway..

I totally agree. Third party processing has lots of benefits! For most its the most reasonable solution. I just really wanna give this a try and see how it does. Like I said, our program will always include ccbill and accept new ccbill affiliates for those who prefer using them.

thanks guys very helpful.. as far as the third party thing... I started with 3rd party processors back in 1996! My Ibill acount number only has 4 digits! I started with ccbill back in 1999

He is a piece of shit, but he can get the merchant account you need!

Netbilling sets up with Woodforrest directly as well and you can use their system which is leaps and bounds beyond what Paywide offers. We have a Woodforrest account through them as well as Humboldt, Merrick and offshore too. We do not use third party anymore, not even as secondary.

We switched to NetBilling and they have been awesome :thumbsup :thumbsup

Mark

Thank you very much Mark. We appreciate your business as well.

See you in Vegas?

Mitch

Fetish,

You are correct. We have relationships with several banks. Thank you for your continued business and regular posts about us. We do appreciate it.

Mitch

Hi,

Did you speak with our sales department? We should be able to set you up in 1 day.

Thank you, Mitch Farber

We currently are underwriting with two different non-US banks with no volume requirements.

You can use Netbilling as your gateway if you like with either of our banks as well :)

icq me if you'd like to talk about it