Ok, the time has come to once again go out and get merchant account. The last time I got a merchant account, things went all to hell and I ended up getting my name tagged on Visa's MATCH file. And now I cannot find a merchant account provider anywhere who will approve me, but I know they exist.

Does anyone know of a MERCHANT ACCOUNT PROVIDER (not a third-party processor) who accepts merchants who are currently blacklisted in the MATCH file?

I dont care what thier per-transaction fees are within reason and as long as thier discount rate is less than 5.0% and the monthly recurring fees (you know, the ones where you don't get anything for your money) like statement fees are not outlandish.

I'll need an Authorize.net gateway with virtual terminal capabilies. This will be a MO/TO account, non-swipe on an adult site. I need someone who isnt gonna go to my site and nit pick, and I dont need one of those outfits that has all of these "prohibited" products.

Please do not recommend:

- 2checkout.com
- planetpayment.com
- Paypal.com (espically them)
- ibill.com
- ccnow.com
- paybyweb.com
- charge.com
- cardservice.com

I have already looked at all of these places and none of them fit our needs.

worldpay is an option ...

They are not a processor, they actually take the money and then put it ino a your business account.

They do not even require a merchant account, they use their own. The only catch is that they take about 4 weeks to reimburs your money, so if you need your money on a day by day basis, it might be problematic. But check them out, and they also pay out in a lot of foreign currencies.

No, I am looking for a MERCHANT ACCOUNT. WorldPay is a third party processor and worse than PayPal about lies, bull**** and the runaround from the little bit I have heard about them.

Basically, I need someone to give me a new Visa/Mastercard MID/TID. I already have one for Discover and Amex and I can use those in whatever gateway sevice I use, but I need to have a Visa/Mastercard Merchant ID to make it worth while.

Anyone? Come on, I know someone knows where merchant accounts are given to previously "naughty" merchants...

*** grr ***

You know, I am usually very good at digging up various things on the internet and finding the info I need. But the answers to this question have evaded me for more than a week and I really need to find a processor... dosent anyone know where to dig up a new proccessor?

http://about.ccbill.com/

You could take a look at ccBill and see if they'll take you. No experience with them, but they allow 'adult' merchants to use their services, so they might be a little more open to risk accounts.

Greg Moore

ccbill.com is a third-party processor.

I need a MERCHANT ACCOUNT that is underwritten by Visa/Mastercard and that has a MERCHANT ACCOUNT NUMBER that I can put into a REAL-TIME GATEWAY and run charges under my OWN COMPANY NAME and recive DAILY disbursements via ACH to my checking account.

Anything that looks/acts/walks/talks/quacks like ccBill.com, 2checkout.com, paypal.com or any of the others, is a third-party processor and is subject to the new Visa terms and I am NOT going to pay $750.00 so that Visa can line thier pockets and I can still have crappy service.

I said I didn't have experience with them and was making a suggestion. If you feel inclined to 'cap lock' a reply then never mind - you're on your own. Best of luck and hope you find the service you're looking for.

Greg Moore

I agree with akashik ... people offering help here do so because they want to not because they have to. If the help is not pertinant to you just say so, do not get agitated with the people.

Otherwise do your own damn research and stop asking here ...

The chances of you ever getting another merchant account are incredibly slim. I'd imagine your only option would be to find someone who isn't on the list and bring them into your company and have them get the merchant account for you.

Also, akashik and HingyGuy are right, if you expect to ever get help from anyone here it might not be good to lash out at someone because they didn't give you the answer you wanted. Good names tend not to be noticed but for whatever reason everyone remembers people who act negatively. Perhaps instead of being rude toward akashik you should have thanked him for his time but mentioned that it wasn't quite what you were looking for.

Originally posted by HingyGuy
I agree with akashik ... people offering help here do so because they want to not because they have to. If the help is not pertinant to you just say so, do not get agitated with the people.

Otherwise do your own damn research and stop asking here ...

Originally posted by ServerSonic
Perhaps instead of being rude toward akashik you should have thanked him for his time but mentioned that it wasn't quite what you were looking for.
How many times does the guy have to say he's NOT looking for a third-party processor and an ACTUAL merchant account? I read it loud and clear the first time, and was reassured the second time. Hopefully, if someone wants to be "helpful," they'll suggest NON-third-party processors...

It's not kkimmel's fault if people can't read what he posts.

I was under the assumption that ccbill *was* a merchant processor - not a third party processor. I was mistaken, so suggested it.

Greg Moore

Allera, the idea with free-help is just that .. it's free ... you use it or don't use it ... it is not quality guaranteed .... but the fact that someone has bothered to reply should be taken as a sign of good faith ... If the help is not for you state so in a calm and collected manner ...

The bottom line is that if people see that you are rude they will not bother giving you any information.

And this is a forum not a 24h payed helpdesk, therefore people will give ideas and suggestions which might not necessarily be correct or accurate.

If he is that impatient let him call up the creditcard companies and let them suggest vendors.

Anyway, we getting a bit off topic here ... but as I said people are now more interested in discussing his manners then helping him ....

Alright, why is it sooo important for you to get a merchant account instead of a third party? I have been using ibill and globill for the past year and have never had problems. Their solution is much less of a hassle than setting up your own merchant acct. I think your problem is in child porn. (that was a joke I'm not accusing)

-Later

Murch
http://www.greatmelons.com

Originally posted by murch
Alright, why is it sooo important for you to get a merchant account instead of a third party? I have been using ibill and globill for the past year and have never had problems. Their solution is much less of a hassle than setting up your own merchant acct. I think your problem is in child porn. (that was a joke I'm not accusing)
Originally posted by kkimmel
Anything that looks/acts/walks/talks/quacks like ccBill.com, 2checkout.com, paypal.com or any of the others, is a third-party processor and is subject to the new Visa terms and I am NOT going to pay $750.00 so that Visa can line thier pockets and I can still have crappy service.

Alright, why is it sooo important for you to get a merchant account instead of a third party? I have been using ibill and globill for the past year and have never had problems. Their solution is much less of a hassle than setting up your own merchant acct. I think your problem is in child porn. (that was a joke I'm not accusing)

Because alot of those places have silly little rules that annoy the hell out of me. I used to love 2CheckOut (who I am with now) and I would not leave them if it wasnt for three annoying little rules they have made. People are always bitching about them, but they are wonderful.

Thier services are great for alot of people, they just dont fit with the business model I have. I already have merchant numbers for American Express, JCB and Discover.

So once I *finally*locate someone who will give me Visa and Mastercard numbers, I'll run off a buy an Authorize.net license and plug the numbers I already have into it as well as the Visa/Mastercard numbers and I'll be set.

Its not the kiddie porn they don't like.


I dont like third-party billers anymore because:

1. Thier name shows up on my customer's statements as well as thier phone number. This entices my customers (who are too stupid to rember where they spend money) to call the billing company and not me, and I lose upsell oppertunities, etc.

2. I like to be paid daily. Merchant accounts do this. Third party billers do not.

3. My volume is high enough that the higher transaction fees of third-party billers would result in significant savings if I were to bring things in house.

4. I need a virtual terminal, which no third-party biller can offer me due to the regulations imposed on them by Visa and Mastercard.

5. The biggest reason: Because I want a merchant account.

I cannot belive that there are no sellers of this product out there. Maybe I should take this as my queue to start a new division of my company: high-risk merchant accounts to anyone who can sign thier name.

Come on, Visa and Mastercard never have cared about cardholder security. They make money everytime merchants lose it, so this whole thing about the match file is merely another excuse for them to slap some more fees on people like me that are vicumized by thier stupid, pointless regulations that dont take the human factor into consideration.

Someone knows where these accounts can be had. I'd even pay someone a finders fee if they can find a place that will approve me. (Finders' fee payable upon issuance of my numbers).

http://durangomerchantservices.com/risk.htm

A High risk merchant account provider

Have a nice day
:)

Another company that MIGHT work for you is online data corp. Give them a call at 1-800-875-6680 and ask to use the paradata payment gateway as I believe you'll get the best rates and service (better then auth.net at least).

WS

Still looking, will check into these two...

Geee, I need to start a new business. It looks like I'd have a monopoly on the market if I could fine a place to set people up with...

kk: Not that it's any ones business other than your own, and I doubt that anyone here cares, you don't say *why* you ended up on the match file. If it's due to clerical error, then it would be worth directing your energies into having that resolved, although I assume that you have. I'm surprised tnat you managed to host a site with 2checkout, and who don't offer merchant accounts, as they have always had a large list of content that they consider unacceptable, and it sounds like you fall into that category - or was that a different site of yours? Also they have always had their name on credit card statements anyway if you read the blue box that they display on the order form. They are now adding a new feature where you can have your own name as well on the CC statement, and they manage to work around the new visa designation and will do weekly wire transfers if you manage to bill enough.

But hopefully you'll get the merchant account as the savings make a significant difference. It will be interesting to hear how you get on.

Check out these:

http://www.guardianfinance.com/merchant.htm
http://www.prioritymerchantservices.com/dms.html
http://www.merchant-accounts-pro.com/offshore.html
http://www.secureoffshoremerchantaccounts.com/
http://www.merchant-accounts-n-merchant-accounts.com/sex-sites-gambling-gaming-credit-card-processing.shtml
http://worldwisemerchantservice.com/highrisk.html
http://www.global-merchant-accounts.com/
http://www.valis.org/
http://www.businessamerica1.com/service_offerings/index.php?tid=8
http://www.4merchant.com/high-risk-merchant-accounts.html


ps. never used them, but found on the web.

Good research Apollo as they also offer possibilities to non-US residents who don't want to explore the route of merchant accounts with UK banks.

:)

Of course, I do not know how good service they provide :(

Nobody is wondering why this person is on the TMF (Terminated Merchant File)? What were you doing for that many of your customers to chargeback? You must have had some really bad business tactics to get that high a C/B rate.

No U.S. bank is going to approve you if your on the TMF. Go to a Panamanian bank and hope that don't steal your money.

- D.

http://asiadebit.com/

hi someone recommended online data corp but they ripped me off big time. they are a bunch of crooks.

The first thing that you need to address is WHY you were placed on the TMF/MATCH list in the first place. Was it for excessive chargebacks, violation of merchant agreement or what exactly?

The TMF/MATCH list is designed to protect acquirers against accounts that typically generate loss situations. And it does a very effective job of exactly that.

With regard to your comment about Visa/MC "not caring" - this is not correct at all. Member Banks and ISO's lose many, many, many hundreds of millions of dollars annually due to merchant fraud and chargeback losses from merchants.

Regarding your comment about starting a high risk division that would "issue a merchant account to anyone who signed their name" - this would be a recipe for disaster. I'm sure you meant this partially in jest but there are reasons why approval processes and risk management is needed.

It may be difficult to appreciate this if you don't get a daily list of portfolio-wide chargebacks or risk reports but merchant and chargeback losses are VERY real and they happen EVERY day.

In addition, you can search all day long and I would be very surprised if -ANY- U.S. merchant processor even touched your account or considered it.

I'll list the reasons...

#1: TMF/MATCH file is an Auto-Decline for virtually ALL U.S. Member Banks and ISO/MSP's. If it matches, you're gone. It is that simple.

#2: Adult Merchants are exceedingly difficult to get approved for a typical U.S. merchant account these days, EVEN IF they were not on the TMF/MATCH list.

#3: There is a Visa High Risk Registration Fee that you will need to pay to the U.S. Member Bank IF you are able to get past hurdle #1 and #2 (which in itself is highly doubtful).

If you are in the adult biz and want to process on a merchant account, and given what you've already stated - the only option that I see for you is an offshore processing account.

It won't be cheap but you're not really in a position to be selective at this point.

BTW - I do not mean to be harsh in any way here... but I feel that it is important to be realistic and not have you go on some wild goose chase only to end up even more frustrated than you already are.

My advice - talk to VOLPAY or another offshore processor and see what you can work out. But first and foremost, you'll need to address with them WHY you were placed on the TMF/MATCH list in the first place.

First, you need a better attitude, or nobody is going to help you. Secondly, if you're on the list, you're probably on it for a reason.

If you want another merchant account, you may need to create a new entity, and file for a new tax ID, new bank account, get a new address, dye your hair, get some cowboy boots, and practice using a new accent.

Authorize.Net will not accept you if you do adult, period. Read http://www.authorizenet.com/company/use.php, specifically the section where they forbid "adult entertainment" sites.

Secondly, yes, you will need to pay the $750 fee. I have already been through this with a client of ours that runs an adult site. There is no way around that $750 fee unless you're grandfathered into an older account.

My client ended up going with a company that specialized in high-risk transactions. They are now out of business. Take that for what it's worth.

Erica brings up a very good point.

In fact, Authorize.net will also shut you down if you sign up under a non-adult premise and then they find that your site has adult content on it.

For that matter, they even reserve the right to terminate a Web hosting merchant who SELLS adult hosting services. This has happened in the past and will likely continue to be the case unless they change their policy at some future point.

Just in case you guys didn't notice...the orignal thread starters message was dated Nov 02. :D .

But there is still some good information in this thread...regardless of the date.

True, lol but that is a good point on the date. :) I hadn't realized that until Professor pointed it out just now.

Heh, talk about outdated. fmikha5 obviously has an axe to grind with ODC.

Originally posted by davidarenson
Nobody is wondering why this person is on the TMF (Terminated Merchant File)? What were you doing for that many of your customers to chargeback? You must have had some really bad business tactics to get that high a C/B rate.

No U.S. bank is going to approve you if your on the TMF. Go to a Panamanian bank and hope that don't steal your money.

- D.

What Panamanian bank stole your money?

Netbilling should be ablew to help you. They have been incredible for us and the high risk merchants that we have referred to them.