Visa?s New Chargeback Policies: The Butterfly Effect in the Affiliate Industry

[wehateporn]

I guess this explains the July scrubbing

As of July 1, 2016, Visa?s new Chargeback Monitoring Program?s regulations have been a cause for concern for both merchants and affiliate marketers alike.

The purchase of Visa Europe by Visa Inc. in 2015 was followed by a series of measures aimed at standardizing the company?s practices on both continents?and Visa?s Chargeback policy was no exception.

But why are we covering such a topic on a blog dedicated to affiliate marketing in the adult industry?

Well, in a nutshell, Visa is cracking down on chargeback ratios ? and there?s a high probability adult marketers will not escape unscathed. This may change the way you promote adult products to the european market on some verticals.

Here?s why?

Continued Visaâ??s New Chargeback Policies: The Butterfly Effect in the Affiliate Industry | CrakRevenue

[The Porn Nerd]

Yup that pretty much nails it.

[Barry-xlovecam]

I think within ten years, or less, Visa-Net will no longer be an online player in the online world. As soon as international interbank transfers are in real-time VISA has one foot in the grave.

[wehateporn]

Originally Posted by The Porn Nerd

Yup that pretty much nails it.

This month will be interesting

[Bladewire]

Originally Posted by Barry-xlovecam

I think within ten years, or less, Visa-Net will no longer be an online player in the online world. As soon as international interbank transfers are in real-time VISA has one foot in the grave.

Interesting

[wehateporn]

Originally Posted by Barry-xlovecam

I think within ten years, or less, Visa-Net will no longer be an online player in the online world. As soon as international interbank transfers are in real-time VISA has one foot in the grave.

Interesting prediction

[plaster]

So nothing has changed. Article is misleading in the percent chargebacks allowed. Sally fuck a lot has 60 transactions in July but 2 people charged back 4 months each. Percent chargebacks is 8/60 or 13.3%.

Do you think Sally fuck a lot is in jeopardy of losing billing?....

Nooooope, all is fine.

[Jigster715]

Visa's warning to merchants. "Stop being shady. Only we can be shady." Adapt or die.

[Yanks_Todd]

Here is an idea. Have a good product and offer solid customer service. Then watch the CB ration take care of itself.

[Paul Markham]

Originally Posted by Yanks_Todd

Here is an idea. Have a good product and offer solid customer service. Then watch the CB ration take care of itself.

Ours was negligible. Along with the sponsors, we knew who had a great product.

Interbank transfers sounds interesting, will surfers give bank details, what are the bank charges, will some banks block porn, etc?

What has always seemed ironic to me is pron's considered high risk but has the lowest chargeback limit.

[Konda]

Was already discussed here last month:

https://gfy.com/fucking-around-and-pr...ratio-1-a.html

[Paul&John]

Originally Posted by wehateporn

This month will be interesting

The article says "As of July 1, 2016", so July should have been already interesting

[Konda]

Originally Posted by Paul&John

The article says "As of July 1, 2016", so July should have been already interesting

yeah many people expected the new rules would apply for CBs after July 1
but then it turned out they already started to enforce the rules after July 1 (eg over the month June)
i heard some people were already issued warnings and fines

[wehateporn]

Originally Posted by Paul&John

The article says "As of July 1, 2016", so July should have been already interesting

My thinking was that the first month everyone tries 'too hard' to pass, then gradually gets more relaxed

[CPA-Rush]

good god ,look who preaching the best in cross sales- up sell and fucking surfers .

well lets ask surfer to enter MC number instead

[The Porn Nerd]

Originally Posted by CPA-Rush

good god ,look who preaching the best in cross sales- up sell and fucking surfers .

well lets ask surfer to enter MC number instead

Mastercard users are notorious CBers.

[CPA-Rush]

Originally Posted by The Porn Nerd

Mastercard users are notorious CBers.

you have to sacrifice something

[Barry-xlovecam]

There is so real reason with the technology today -- look at stock exchanges, commodity exchanges and FOREX -- why cannot interbank transactions be real time?

You log into your internet bank and pay the 'site'. Sites post their receiving account routing and account number -- the consumer uses his bank to initiate the transfer.

As far as security goes: sweep that account every hour. The one thing missing to do this on a large scale is a call-back post on the receipt of new transactions. Paypal has had a cgi post back for years i I know this can be done if your bank got off their ass. The recipient bank could charge you $0.05 per post back so the dumb shits are not making money where the possibilities exist.

You can do this now but it is batch processed there is a ACH 48 hrs delay in the US and a SEPA delay of up to 72 hrs. I am guessing this is more about the cash float of banks as the real obstacle.

• The work around is to set up a wallet;
• Adult content consumers fund it with ACH in the USA and SEPA in the Eurozone -- that is 800 million potential users and at least half the money spent on adult content.
• You would need a corporation in every country and a receiving bank account accessible to each central bank -- ECB, FED etc.
• If the World Bank picked up the slack or the whole system -- this would be a big plus.

At any rate VISA-Net is a creature of the 1970's and its days are numbered.

[The Porn Nerd]

Originally Posted by Barry-xlovecam

There is so real reason with the technology today -- look at stock exchanges, commodity exchanges and FOREX -- why cannot interbank transactions be real time?

You log into your internet bank and pay the 'site'. Sites post their receiving account routing and account number -- the consumer uses his bank to initiate the transfer.

As far as security goes: sweep that account every hour. The one thing missing to do this on a large scale is a call-back post on the receipt of new transactions. Paypal has had a cgi post back for years i I know this can be done if your bank got off their ass. The recipient bank could charge you $0.05 per post back so the dumb shits are not making money where the possibilities exist.

You can do this now but it is batch processed there is a ACH 48 hrs delay in the US and a SEPA delay of up to 72 hrs. I am guessing this is more about the cash float of banks as the real obstacle.

• The work around is to set up a wallet;
• Adult content consumers fund it with ACH in the USA and SEPA in the Eurozone -- that is 800 million potential users and at least half the money spent on adult content.
• You would need a corporation in every country and a receiving bank account accessible to each central bank -- ECB, FED etc.
• If the World Bank picked up the slack or the whole system -- this would be a big plus.

At any rate VISA-Net is a creature of the 1970's and its days are numbered.

Maybe, but when I see 'wallet' I see Epass, monies in motion and think Chris Mallick.

[ilnjscb]

You guys who says chargebacks are about a good product - you are living in the past consumer chargebacks were much more difficult. Now people use them as a way to get an easy refund. Chargebacks have increased OVERALL does that mean everyone's products suck? NO it means consumers are using the easier chargebacks.

[RandyRandy]

Originally Posted by Barry-xlovecam

I think within ten years, or less, Visa-Net will no longer be an online player in the online world. As soon as international interbank transfers are in real-time VISA has one foot in the grave.

Totally agree. Here in Malaysia, National interbank transfers are the norm. Quick, cheap easy and secure with the TAC code. It's how I pay for everything.

[JesseQuinn]

I've def noticed an increase in UK transaction fails, including long term clients of my sites who have never encountered issues in the past. huge fucking annoyance and waste of time for me and for the chicas with whom I work. I've had to push through some UK transactions manually through my gateway but this is not a sustainable long term solution. very frustrating. my own regs pay me directly to my bank account without issue, it's Visa being a biatch right now and it's def impacting my contractors/peers.

Originally Posted by Yanks_Todd

Here is an idea. Have a good product and offer solid customer service. Then watch the CB ration take care of itself.

with all due respect (sincerely), I've blocked most of the real credit card thieves from my sites. Two years in it is very unusual to get a real fraud cb. Beyond that, my site is quality and I provide stellar client support. both myself and the women with whom I work are ethical, honest, and in terms of them? fucking amazing.

the real issue is legit cc holders not wanting to pay for what they purchase.

I file fraud reports on every one who doesn't work to resolve things with me. Friendly fraud theft is a crime.

the latest, scumbag who cb'd every payment he made through my site over the past 3 months, apparently forgetting that I have his ID and CC scan on file and that all his professional info (name, location) is available to me via his bookings. As well as his working, legit home phone number, which he included on each transaction he's now attempting to cb. I called it and he identified himself as the name on the bookings. Before he hung up on me when I identified myself and the reason for my call.

We're talking contractors whom he booked and re-booked over and over for months, and I screened him. This is not a dissatisfied client, he just doesn't want to pay. Already won 3 of his cb's, will send in my disputes for the remainder tomorrow.

can't catch dudes like that in the scrub without declining every client who wants to make a legit payment. further, this conduct is no reflection of the quality of service provided in exchange for payment

and I get to eat almost $600 in cb fees whether I win or lose my disputes. Unfucking real. Don't know how these peeps face themselves in the mirror. Pay for what you buy, not that fucking complicated.

Originally Posted by Barry-xlovecam

I think within ten years, or less, Visa-Net will no longer be an online player in the online world. As soon as international interbank transfers are in real-time VISA has one foot in the grave.

I pray for that day

Originally Posted by The Porn Nerd

Mastercard users are notorious CBers.

yeah, noticed the same, as well with aol users.

Originally Posted by ilnjscb

You guys who says chargebacks are about a good product - you are living in the past consumer chargebacks were much more difficult. Now people use them as a way to get an easy refund. Chargebacks have increased OVERALL does that mean everyone's products suck? NO it means consumers are using the easier chargebacks.

^^^^word

for real have no idea how peeps justify this ish, trying to steal from others with no care as to the repercussions

really hate people sometimes

extremely thankful I don't have to face this kind of crap in my offline life.

[Barry-xlovecam]

Originally Posted by The Porn Nerd

Maybe, but when I see 'wallet' I see Epass, monies in motion and think Chris Mallick.

True but if you keep $200 or $400 in that wallet just for internet purchase?
Less risky that a credit card or debit card (VISA or MC branded) I get people paying with prepaid credit cards now -- same thing -- prepaid card.

Originally Posted by RandyRandy

Totally agree. Here in Malaysia, National interbank transfers are the norm. Quick, cheap easy and secure with the TAC code. It's how I pay for everything.

But only inside the Malaysian Central Bank Zone -- If the World bank linked the Central Banks ...

The main argument I have heard is that the buy (sales conversion) needs to be in real time. That a porn buy is an impulse buy. True. However, people that buy porn online buy other things (or other porn) online too. Having a wallet is convenient and more secure.

The wallet acts as the middleman and arbitrator of any dispute between the buyers and sellers. The transaction discount could be 5% on the sale (or even less maybe). Both buyers and Sellers have recourse and remedy at the transaction source -- this is what PayPal does basically -- how they got started -- so it is not a never conceived idea.

You would need a MTA (*Money Transfer Agent license) to do this on a scale . Not that big of an obstacle. Main obstacle is the banking system and they are in adapt or die mode now. This is the new disruptive influence and the banks know it.

There are end runs around the banks but the isolation of the National Central Banks is the main impediment to global commerce

Blueprint of the destruction of Visa-Net Online

[Barry-xlovecam]

Maybe, we can change the term 'wallet' to 'internet pouch' or 'money bag for fun bags?' MBFB Internet Systems ... or some other term. I don't have any issue in that -- that is about marketing and consumer acceptance -- so it is rather critical duly noted

[k0nr4d]

Originally Posted by Barry-xlovecam

I think within ten years, or less, Visa-Net will no longer be an online player in the online world. As soon as international interbank transfers are in real-time VISA has one foot in the grave.

This is very true - Bank transfers here are pretty much instant and I honestly don't know anyone (locally) that has a credit card at all

[adultmobile]

Originally Posted by JesseQuinn

the latest, scumbag who cb'd every payment he made through my site over the past 3 months, apparently forgetting that I have his ID and CC scan on file and that all his professional info (name, location) is available to me via his bookings. As well as his working, legit home phone number, which he included on each transaction he's now attempting to cb. I called it and he identified himself as the name on the bookings. Before he hung up on me when I identified myself and the reason for my call.

We're talking contractors whom he booked and re-booked over and over for months, and I screened him. This is not a dissatisfied client, he just doesn't want to pay. Already won 3 of his cb's, will send in my disputes for the remainder tomorrow.

Welcome to the club of cam site owners, your life will be changed forever

[Bladewire]

Originally Posted by Barry-xlovecam

Maybe, we can change the term 'wallet' to 'internet pouch' or 'money bag for fun bags?' MBFB Internet Systems ... or some other term. I don't have any issue in that -- that is about marketing and consumer acceptance -- so it is rather critical duly noted

It shall be called: Viceroy

"Top up your Viceroy account today"

"Pay with Viceroy & PayPal"

[ilnjscb]

In Kenya they have MPESA that is all done by phone - don't seem to be too many hacks or loss yet. I realize .... Kenya, but still.

[vending_machine]

Originally Posted by ilnjscb

In Kenya they have MPESA that is all done by phone - don't seem to be too many hacks or loss yet. I realize .... Kenya, but still.

I fail to realize the point.

[ilnjscb]

Originally Posted by vending_machine

I fail to realize the point.

Things that may supersede VISA. Methods of payment that are viable beyond the 50 year old, outdated CC method.

[The Porn Nerd]

Originally Posted by Bladewire

It shall be called: Viceroy

"Top up your Viceroy account today"

"Pay with Viceroy & PayPal"

Isn't that a cigarette? Some people would dig paying for porn with cigarettes, just like in prison.

If we're picking cig names tho I'd go with Lucky Strike myself.

[Noctis]

Interesting ideas for sure. With a solid product and solid affiliates promoting it, all should be well. I haven't seen any major issues from any side as of yet. But I like that 'money pouch' Viceroy idea.

[Noctis]

My post count sucks... This guy up there has 69,000. Time to spend more time here I think