I don't know why some just keep on harping back to bullshit. No its not free porn on the net, no something is wrong with you or your tricks, must be a seasonal thing, must be due to effect of gravity around this time.
Fuck this
The sales are down because there aren't many processors left standing and those who are still around were hosed very big time just around end of Jan. They have simply turned off the taps almost completly and sales are just tricking in once in a while. From 14-15 sales a day I am down to 14 to 15 in two weeks.
The day CCBill folds up, and that is not too far off, this industry will be history. Visa and MC have performed a coup de grace.

What?
This has nothing to do with 'processors'. Believe me, 'processing' is fine.

This plus 1000.

With that said, this month has been my best month in adult ever but with the shittiest ratios ever.

How do you know? How many transactions do you do a day?

I invite you (or anyone else for that matter) to run a decline report.

Look specifically at how many (do not honor) declines you are getting on rebills.

how in the fuck can you get a "do not honor" decline on a rebill? (because the card obviously was used at one time for the initial sale right?

so what's happening is banks are cracking down on what consumers can buy with their cards. specifically "high risk" transactions processed by adult billing companies

times are not good

Between all my clients I guarantee you they bill more than you do. Increased scrubbing is only a problem is you're living on small margins. I know this goes against what a lot of folks WANT to be the case but it's true.

I see the changes, sure. But do they cause me to say 'IT'S ALL GOING TO HELL!?!!" ? No. It's a slight change. It is not the end of the world.

How long did you think that ' adult ' webmasters could fuck surfers ( clients ) over and over again ?

Just today, there is a thread a a guy looking for processing as long as the rebill is hidden way below the join button ....

:2 cents:

it's not really the tubes or the economy, it's the billing that's the issue. i know this because of drastic day to day and week to week changes. sometimes they let sales through sometimes they don't. that's why a lot of the work you do is almost irrelevant.

The past 5 days have been totally fucked up for me.

The problem is tube sites. Unless you double or triple your traffic, it is likely you will continue to see a decline in your sales. Ratios are just bad these days. It's probably not your fault. Surfers aren't paying for porn like they did before tube sites.

Traffic level the same? How about the sources of traffic, are they same? Finally, which sponsors are you sending them to?

Maybe if you're not running tubes, your traffic has been TUBE-DESENSITIZED? ie., the expectations of your surfers have changed?

50 mysteries ...

From my mainstream merchant account experience, Do Not Honor means many things, not the least of which is a charge when over-limit.

I'm not seeing a higher ratio of Do Not Honor the past several years. So far Do Not Honor for both initial and rebills is a lower percentage than either 2008 or 2009, where it averaged about 3.5% to 4.0 total. Do Not Honor accounted for 3.78% for failed rebills in 2008, and that amount held steady in 2009. So far it's only about 2.75%, however there's not enough data as there's only three full months of billing.

Whas HAS increased is the percentage due to insufficient funds, but this may be from more people using debit cards where that decline reason would show up. I don't think it does for credit cards.

I'm not sure what metric we can use to determine what declines are due to a bank changing their association rules against high risk, but the evidence so far seems to point more to people running out of money on their credit and debit cards.