Ya know, Ibill, and CCBill are 3rd party processors, have been around for ages, and have recurring billing, etc.

Their rates are kinda high at 15% or so, but at least it's a viable solution for people just starting out. 85% is better than zippo.

:popcorn:.............z

Well, I guess Ibill is Fubar also....................z

The support staff at iKobo, Inc. received the following request from you:

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Subject/Question: Details of program
Details: Hi all. I have a web hosting business. Do you have a program that will charge recurring charges to my customers monthly? I also have a content product that requires paying for a membership, and access to the content. Do you have a link back process that I can use to generate the user name/password on my site? What does it all cost. Thanks, Hans
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Please find the answer to your request below:

::Currently we do not offer recurring billing::




This should prolly be merged with the other thread..........z

Here's my old list for when I was originally looking for a 3rd party biller....

Credit Card Accepting Companies

ShareIt????? also MultiCards
Recommended.......

CCBill
15% vig, but they have everything...........

BizHosting
Physical ONLY?
Enter MANUALLY w/ProPay

Charge.com
Deals with Merchant accounts ONLY

*2CheckOut
$49 Setup Fee
$0.45 per Transaction
5.5% of Transaction Amount
Content+Products
SLOW customer service

ClickBank
7.5% + $1
Content Only
They sell it on their site

CCNow.
Physical only, $10/month

GloBill
16% Vig!!!!
Can only charge up to $60
Content ONLY

Global-Bill
$2,500 SETUP FEE!!!!!!!!!!!!!

IBill
.........they got problems

:puke: PaySystems


ProPay
3.5% + $.35
You have to enter it MANUALLY!!!
$35/year


Verza
4.9% + $.99
Uses Verotel for content
Has shopping cart

Verotel.....Good, but last I checked, don't accept for webhosting


:popcorn:.................z

Hello...

i checked all sites above... but i want at least two options... 2co is one good... but i can't find something like 2co... i was reading about 3 days ago and i can't find anything Alternatives to 2co

Yeah, I know....it's a bitch.......I'm going to go with CCBill.......I'm not doing enough volume to justify a merchant accout, SO, 85% of something is better than 100% of nothing..........:popcorn:.......z

iKobo support is very bad by the way, don't rely on it as main 3rd party. but also, get your account with them, it helps sometimes to make urgent payments.

2CO is fine, but the same problem for most processors: slow customer service/support

Yeah, I know....it's a bitch.......I'm going to go with CCBill.......I'm not doing enough volume to justify a merchant accout, SO, 85% of something is better than 100% of nothing..........

Don't forget 3 important things with CCBill (and IBill).

First, you cannot accept VISA until you get approved as a special high risk merchant (regardless of what you sell all CCBill (and IBill) customers are considered high risk.

Next, don't forget that inside the fine print they tell you that you must pay $750 to VISA as a fee before you get approved, and it's non refundable even if you're not approved by VISA (this only applies to VISA)

Finally, your total sales, refunds, and chargebacks are reported to VISA every month and if you go over 1% you can be listed in the MATCH file for Terminated merchants, even though it's not your own merchant account.

So you could ruin your whole future processing ability if you get over 1% chargebacks.

You'd be safer using your own merchant account, where you'd be allowed closer to 1.5%-2% chargebacks before being listed on MATCH.

I'm not sure but I think that normal refunds are assigned an equal "weight" as chargebacks when you're placed into the VISA high risk category, but maybe others here could comment on that if they know for sure.

Here is the page where this info is shown:

http://businesscenter.ccbill.com/ipsp-faq.html

First - ccbill / ibill, their speciality are adult accounts. If you do not have an adult account / high risk (memberships) - you do not need them.

Since you are in the U.S, it might seem, and if you are processing more than $1,000 a month, you should consider a merchant account. This will cost you about 3.95% of your monthly volume starting at $1,000. The more you process, the cheaper it goes. 2CO is also an option. With them, your rate is going to be 5.95%.

As far as chargebacks are concerned - it is still 1%. Anything over, you could be fined by the processor / Visa. Refunds are not given the same weight as a chargeback. The processor did not have to go into your bank account "without your permission" to give the money back. Most procesors also offer what is called a retrieval request for free. They send you a notice in the e-mail that customer Doe wants his money back. You can then either refund his money or try to fight it. If you refund his money, no harm done. If you fight it & lose - and you still refund his money, no harm. But if you just decide that you do not want to refund it & the processor refunds it for you, that is a chargeback,

If you do not have an adult account / high risk (memberships) - you do not need them.


Yes that's true.

But if you exclude the "high risk processors" then the only other 3rd party processor that offers recurring billing is 2Checkout.com (which is a very unreliable service).

2Checkout will shut you down LONG-GGGGGG before you reach 1%, and in doing so they'll hold your money for 180 days automatically (without question) and you'll also have to contact all clients and ask them to submit their recurring billing info to a new processor (which will make them doubt your professionalism and you'll lose clients in the process).

It's a risky proposition to use 2Checkout.com, especially for a web hosting firm that wants to maintain a good reputation with their own clients. I would agree with Corey that a merchant account is the best choice by FAR.

However, if you are thinking about using a 3rd party processor then you'll be given a bit more leeway with an adult processor because they won't shut you down until VISA requires it, because they are accustomed to "high risk" accounts and that is nothing unusual to them.

2Checkout will NOT WAIT until you reach VISA's limits, they'll shut you down the moment their system flags your account as potentially "suspicious", even if your overall chargebacks have not broken VISA's ratios.

I have read lots of posts on various forums over the past few months indicating they do operate like this. *I'm not complaining about this fact in this thread though, I'm just making you aware of it. (it's actually pretty smart of them to be so strict, but the unsuspecting vendors get kicked around like rag dolls ;) )

As far as chargebacks are concerned - it is still 1%. Anything over, you could be fined by the processor / Visa. Refunds are not given the same weight as a chargeback.

If that's the case then that's good news.

However, I was reading a lawsuit (shown below) stating that MasterCard is imposing a stricter policy on "high risk" merchants where all refunds over 1% are given the same weight as chargebacks. They say that all refunds over 1% are counted as chargebacks, am I misunderstanding something?

I assume VISA cannot be too far behind MC in this policy, or is that not true?

If I have misunderstood this lawsuit below then please explain this MC policy Corey, so that we understand it correctly

MasterCard has set the chargeback ratio for high-risk Internet merchants at 1%. MasterCard has also said that when a Merchant's credits exceed its chargebacks, it will count credits as chargebacks. However, credits almost always exceed
chargebacks, so MasterCard has in effect made a rule that the combined chargeback and credit ratio must be below 1%. If Paycom / EPOCH (or any high risk Internet merchant) goes over the 1% threshold for 2 consecutive months, then
MasterCard can impose fines of up to $100 per chargeback and credit plus $100K per month. It has also said that it has the right to continue to impose these fines for at least 12 months even if we are under the 1% ratio during those months.

Here is a link to the MasterCard policy of counting refunds the same as chargebacks for "high risk" processors:

http://www.adultwebmaster.info/company/epoch_transaction_service/release144.html

I would advise people to take this seriously.

There are a few other third party processors as well. Some start you out as processing thru a third party solution and then look at your account after a few months to see if you are eligible for a merchant account

Ya know, as far as refunds are concerned, I have a message on my site to the effect that if they want a refund they should contact me directly. Then I send them a check................:popcorn:............z

There are a few other third party processors as well. Some start you out as processing thru a third party solution and then look at your account after a few months to see if you are eligible for a merchant account


Like who?

:cartman:...................z

Btw, that $750 Visa fee........last I checked that could be waived by CCBill...................z

Originally posted by zardiw
Like who?

:cartman:...................z
Due to the TOS, I am not able to mention them hear in the public forum unfortunately.

Originally posted by coreybryant
Due to the TOS, I am not able to mention them hear in the public forum unfortunately.

Can you post at least that part of TOS which mention this? ;)

From: http://www.webhostingtalk.com/misc.php?s=&action=forum-rules:
Participants may not publish or discuss any information regarding their product or services, or future (possible) products or services, or any product or services they are, or have been, associated with. This includes, but not limited to suggesting your own services, or services of partners, clients, employers or friends