Hootie
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posted on June 13, 2001 05:37:44 PM new
johncarillo: Yes, believe it or not, you've run across someone on the Net who is actually who they claim to be. A story to tell your grandchildren, for sure. =)
The reason I would prefer to deal with Paypal or some other similar service is because I don't want to mess with the banks around here. They are backward and unsophisticated in the technical backwater that is Iowa.
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lanefamily
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posted on June 13, 2001 08:48:40 PM new
Hootie, I agree. You need to join a Credit Union instead of going to a bank.
Another Iowan here.
Jim
P.S. Stay away from PayPal, they can only cause you trouble. Remember I am from Iowa myself for all 37 years and we don't lie now do we.
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mrpotatoheadd
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posted on June 13, 2001 09:08:02 PM new
Hootie-
While you're looking into PayPal, you might want to check out this thread...
New PayPal first--chargeback after 16 months!
http://www.auctionwatch.com/mesg/read.html?num=2&thread=384185
in which candibates1 describes how PayPal has already reversed a charge and debited his/her account for a chargeback on a transaction which occurred in Feb. 2000- 16 months ago.
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Hootie
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posted on June 13, 2001 10:33:57 PM new
Ok then, suggest viable alternatives.
I'll put on my CEO hat for a moment and give everyone the standard line:
"Don't bring me a problem without also bringing a solution to the problem."
Non-solutions:
Banks - Too dumb and backward
Credit Unions - I'm not interested
Billpoint - Doesn't do services
CCNow - 9% charges (financial rape)
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lanefamily
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posted on June 13, 2001 11:13:10 PM new
ProPay:
.35 per transaction 3.5% flat. Costs more than PP or Billpoint.
Now look at this. When You run a credit card through them you get an AVS response. Her is a clip about AVS from their web site.
-----Starts here ------
AVS stands for Address Verification System. It's a third-party process used to compare the billing address with the address tied to a particular credit card. It is primarily designed to protect the seller from fraudulent card users. There are several AVS codes that may be returned from a card. The following are the most common codes:
X = Exact street address match and 9-digit zip code match.
Y = Exact street address match and 5-digit zip code match.
A = Street address match only (zip code does not match).
W = 9-digit zip code match only (the street address does not match).
Z = 5-digit zip code match only (the street address does not match).
N = No street address or zip match at all.
U = Address unavailable. Usually means the billing address was not entered, so a check could not be made.
R = Issuer system unavailable. Usually means the address for the credit card could not be looked up due to problems with the lines to the issuing bank.
-----Ends here ------
So now you make the call weather you except the payment or not based on the return code. You have the power in your hand. Address don't match then don't send the product. They don't send a billing address don't sent the product. Everything matches send it to that address or where ever you want/they want. You nave have the information available to you unlike with PayPal or Billpoint.
I just talked myself into signing up.
Jim
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uaru
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posted on June 14, 2001 04:33:23 AM new
"Don't bring me a problem without also bringing a solution to the problem."
Rather than get your information from the complaint counter (which is basically what the forum is at times) why don't you contact some high volume sellers on their experiences. I can't give you the names nor anyone else on AW (it is against AW's policy.)
You could go to alt.marketing.online.ebay on the usenet and request the ID's of the top eBay sellers. Been awhile since I looked but a few months ago out of the top 5 sellers on eBay I believe 4 featured PayPal rather prominately if not exclusively on their auctions. That might be a way to get some inputs from actual businessmen that don't spend any time at the complaint counter.
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dblumenfeld
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posted on June 14, 2001 08:34:05 AM new
> Due to the volume of new customers we get, this service needs the ability to handle
> significant charge traffic (we've had 140,000 new users in the last 7 months).
If that is the volume of sales that you're dealing with, do yourself a BIG favor and get a merchant CC account from a REAL bank.
- Dan
----------
®
This message has been modified from its original version. It has been formatted to fit your brain.
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amdandrew
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posted on June 14, 2001 09:24:44 AM new
Why are you all so against PayPal? I love paypal and the services they provide me are clearly above par. Do you always have to complain? Just because it isn't the way you want it doesn't mean it doesn't work.
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amdandrew
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posted on June 14, 2001 09:29:10 AM new
Seller: Use verza.com for subscription services. Very good, efficent, etc.
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vargas
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posted on June 14, 2001 12:29:16 PM new
Hootie
Take a look at Qpass.com
They have a very impressive list of clients.
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SnowDog2001
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posted on June 17, 2001 08:00:37 PM new
Hootie: Consider a gold-backed, internet currency, like e-gold at www.e-gold.com or GoldMoney at www.goldmoney.com
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rondamills
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posted on June 18, 2001 08:02:18 AM new
iBill.com handles subscripions - one time and time sensitive - they are though kind of expensive. I have never used them but have been tempted to use them for a download I sell - but they take 15% uggghhh
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rondamills
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posted on June 18, 2001 08:05:58 AM new
YISGOOD,
Why dont we get everyone who has had problems with Paypal to use a little logo that says "I DONT take PAYPAL" ask me why
and have it click to your comlaint site. Offer the logos on your site. That way when any of us sell something on EBAY or other sites we can spread the word
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yisgood
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posted on June 18, 2001 10:22:26 AM new
Rondamills: Thanks for the suggestion, but:
I do state on my site that anyone is free to link to it. A lot of auctions do. But my goal is not to see Paypal go under (and I am not deluded enough to think I could do that even if I tried) but to get enough folks to switch to other services so that Paypal finally admits there is a problem and starts fixing things. Since they were number one, I would still like to see them succeed. I hate it when number one takes the attitude "we're number one, we have millions of users, we can afford to piss off a few hundred thousand of them."
Also, as stated on my site, I don't tell folks to close their PP accounts, but to use them for the same "viral marketing" campaign that Paypal did. Payal suckered lots of folks with "always free" and "we won't force you to upgrade." They got a lot of sellers to tout the service and encourage their buyers to sign up. Now these same sellers want to stop taking it but it becomes hard to explain it to their buyers. Despite what others have posted, I am still convinced that there are a lot of uneducated buyers out there who won't bid unless the auction accepts paypal. So I advocate continuing to accept paypal NON CREDIT CARD ONLY. In your EOA, explain that it is not your choice of payment. Explain that it is unsafe. Send them to my page or this site to explain why. Then say that if they insist on using it anyway, for their convenience you will accept a non credit card payment. If they wish to use a credit card, you will be happy to accept Citibank's C2it, run by a real bank, and they will even get $10 back. I have had no problem getting 90% of my customers to sign up.
http://www.ygoodman.com
[email protected]
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Hootie
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posted on June 24, 2001 09:45:51 PM new
I've settled on iBill because of their one stop shopping security system. They seem to specialize in subscription sites which is just what we are doing. Thanks everyone for the replies!
Regards,
Mark...
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camachinist
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posted on June 25, 2001 07:09:11 AM new
Mark...
Thanks for the update...I was just looking at Ibill yesterday....very impressive
A number of the subscription services for Usenet and other vendors I have used on the Net use this company and, as a purchaser of services, I've found them to be competent.
I hope you can share your experiences with them as a vendor in the future here in one of the other forums.
If I establish a shopping cart system to go along with my services, I'll definitely be looking at them as a vendor...
Good luck!
Pat
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ok4leather
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posted on June 25, 2001 07:33:16 PM new
Mark, As you can see the reviews are mixxed.Ive had my company on Paypal for almost a year, Everything has been satisfactory up untill we tried to become verified, (the Unverified status is definetly a turn off to potiental customers) We went thru the sign up routine gave our checking account # and bank name and tried to submit, result - Our account is listed but not verified because Paypal dosnt recognize our bank . Its a Small Florida bank and weve had it for 8 years. Ive talked with customer service till my lips were tired and it just cant happen. I guess we could open an account with another bank that Paypal likes.It just dosnt feel right to be forced into that. Guess we have to use our card processor exclusively when we hit the 1000 dollar sending limit. Paypal would be great if they were a little more user friendly. Its nice to offer Paypal as an option if you can get it to work in your situation.
Ed Walker
Old Kentucky LeatherWorks Inc
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camachinist
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posted on June 25, 2001 08:19:45 PM new
Ed,
I've often wondered what PP's criteria are for accepting a financial institution to verify a members account. This question has been asked here often and I don't recall ever seeing a detailed answer.
My curiosity stems from the fact that my verified account is tied to a checking account at my credit union, which is quite small. As I work on one of the boards there, I'm very aware of how we compare to other CU's and banks.
The only possible reason I can think of is that we outsource our check processing to Bank of the West, which is considerably larger....I wonder if that relationship masks our diminutive size and allows me to be verified....
hmmm...
Pat
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loggia
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posted on June 25, 2001 09:55:21 PM new
I've often wondered what PP's criteria are for accepting a financial institution to verify a members account.
They refuse to explain that. Except by repeating your question as an answer.
Question: What is the criteria for banks that can be verified?
Answer: Banks that can be used for verification purposes must meet PayPal's criteria.
Question: What is the criteria for banks that can be verified?
Answer: If your bank cannot be verified, try another bank.
Question: What is the criteria for banks that can be verified?
Answer: In order to be verified, you must add a bank account that meets PayPal's criteria.
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Hootie
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posted on June 26, 2001 04:19:39 PM new
Thanks!
I found iBill while searching the net for other options. They do a lot of the porn sites which is a dubious distinction but it proves that they provide real good security and can handle larger accounts well.
After an exhaustive search I couldn't find a single bad word about them from their clients. All I could find bad was that the anti-spammer community had a gripe with them because some of the porn spammers used them and iBill wouldn't get involved with policing the spammers. I didn't find that to be particularly important to me.
They're a bit pricey but I feel the piece of mind and fewer hassles worth it. That, and they will fight the potential security hackers for us which saves me paying an employee to do that. All in all a good match.
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paypaldamon
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posted on June 26, 2001 04:31:58 PM new
Hi loggia,
I've covered the issue of verification to the best of my ability. I am not at liberty to discuss internal criteria with users, other than stating that a user will have to try a different institution if that message is received.
I am sorry that the answer is not fulfilling, but it is all I can give.
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