Could this be why CCBill conversions aren't that great?
 

So if someone fucks you over and you charge back because the processor tells you to get lost then you can no longer sign up for any site using that processor? Sounds extremely reasonable!

:1orglaugh

My ccbill conversions are great, best they have ever been... :)

I use ccbill for affiliate sales, yet my own card is always declined by them. Never made a chargeback on that card. Not sure how I ended up on their naughty list. Zombaio declines it too. Epoch does not. Go figure.

Yeah I think it's called "scrubbing" or something?

I actually had the same problem years ago. For the record, I've never charged back anything in my life. I'm too damn lazy to bother with it. I haven't tried lately but seems silly.

Define great.


Right, they scrub someone that they wouldn't help to start with? I guess they don't want those big bad troublemakers that got double billed to use their service.

Do you think they have some poor sod going through all the chargebacks and refunds going "Hmm, he sounds a bit dodgy, let's add him to the blacklist....ok this one only charged back because blah blah, let's leave him out..."? No, they have an algorithm -

if(chargedBack = true)
{
blacklist(theFucker);
}

And considering the way they handle refunds in at least some cases then this could easily lead to worse ratios.

Which is what I said in the first place.

Which is true.

What was your point again?

I figure that different IPSPs use different proprietary scrubs...

Your post<------------------------------------------------------->rocket science

My point was, you've only just discovered this, and you've been here since 2003?

Just discovered? No.

Chargeback = Blacklist. As it should.

Surfers cannot be allowed to constantly be charging back and signing up again every time they want to rub one out.

Visa and MC rules are too strict to allow this.

Some processors even share the blacklist, if they are using the same bank.

I do agree though that CCBill can be a pretty thick headed about refunds. I was told by someone at CCbill that by default the only reason they will do a refund at a surfer's request is if the surfer insists that his password is not working or alledges fraud.

I had to ask them specifically to ad a note to my account viewable by CSR's stating that we have an open refund policy.

Shortly afterward I called their customer service line requesting a refund for a customer who had contacted me and the CSR did not want to do it, since the account is in my partner's name and I didn't happen to have his SSN handy to claim I was him.

I told the CSR that we have an open refund policy and that if he checks his notes he will see that. He checked, saw it, and did the refund, but I still had to point it out.

That's the digital age for ya. Great program!

On the content store we have 3 credit card processors. If CCBILL bounce them the odds on one of the others accepting them are slim. The reasons I suspect are varied. But with all the fraud going on we rely on the processors to limit it as much as possible.

I think there may be other reasons why sales "appear" to be down.

Has something to do with accurate stats reporting, but you guys have shown you are not grown up enough for that conversation so carry on everything is fine...the PR department said so:)

When the CCbill cascade works as it should and a lost CCbill sales get picked up by another processor that's great.

There's been occasions in the past few months when the cascade hasn't worked properly and affiliates were not getting credited for these sales.

That was one program I know of, who knows how many more were effected by it.

it's been like that for years dood where have you been?


jesus all the newbs in the industry just learning of shit we knew in 2001 is starting to drive me nutts....

at least learn the biz before you jump on

Yeah, it's absurd. I think they blacklist by email and IP as well.

I think the customer should have taken a refund instead of requesting to have it
done in "his way".

Also he/she says "A few weeks passed" and I'm wondering if he/she bought software.

hmmm?

He asked for a refund. He got double charged for content he bought. Did you read the post? :)

Could this be why CCBill conversions aren't that great?

http://i55.tinypic.com/29lzmnk.gif

neg repped for bullshitting

Bingo.

CCbill scrubs the hardest out of all processors.

I have to disagree. I have a real problem with most fraud scrubs for reasons similar to the OP.

For obvious reasons, the gateway operator can't disclose their scoring methodology and most try to provide a "tuning" system that loosens or tightens the scrub based on performance but you often have cases where good sales are being declined.

There are many things a program operator can do to limit chargeback activity on their accounts and maximize sales that don't include scrubbing.

Many webmasters here complain about programs that drop out, stop paying, etc, etc. There are also programs who have billing methods/practices that will increase their likelihood of getting chargebacks. If a legitimate customer who feels like he was taken advantage of charges back a transaction because the operator won't provide them with a credit (when they should) that customer is not necessarily a risk to the next program.

scrub settings ???
 

What can you share with us about reasons why some companies will see a very large submit to join decline ratio when others dont.

I have a few clients that are running NATS and the same processors but 1 site will only see about 30- 40% of the submitted on join form to an actual join sale and another will see about 65-70% get accepted from the nats submit to actual join sale.

Could this be because of scrub settings in Nats not matching the processors scrub settings?

Or is there something else that can be done to increase the successful submit on join form in nats to a completed join sale on the processors side?

Any insight will be greatly appreciated.

Rick:

Please feel free to get in touch with me to discuss in more detail. The response I'd give is too detailed for this forum, but a short reply would be to track the transactions starting at the far end (acquiring bank/entity) backward through the gateway and then to NATS (originating point).

Mike

What would you say if a representative from a top tier premier billing company went on record saying there was a long time,continuing, unresolved problem within the billing system, that would cause various admin stats...join form hits,join form submissions, declines,conversions,etc... to be "INACCURATE" at times?

Honest answer please....

:1orglaugh

That would be.....disturbing.

Believe me, I've seen everything from mis-indexed responses causing declines to show as approved and approved as declines to the re-routing of sales transactions through the wrong MID (merchant account ID), too time-out errors which caused the site operator to receive time-out declines for cards that received auths outside of the timeout setting.

In general though, processing company profitability depends on accuracy so I would be interested to see how they've stayed in business without being accurate.

I would ask who that might be and if they have any solutions to figure out the issues...

In past two years I haven't had any chargebacks on ccbill.