EPOCH/Paycom - Responds to inquiries regarding iBill

Tony, I dug around a bit and found this post of yours:

"Our site isn't even up yet, and I just spoke to our credit card processor who said that we should have a back up plan in case Visa/MC decides we are too explicit. Does anyone have a recommendation for a backup to process Visa/MC?"

http://forums.gaywidewebmasters.com/...&threadid=4567

And I think that this question deals with a completely different issue that the one we're dealing with in this thread.

What we are talking about here is that if you're already running a site and processing your transactions through ccbill, for example, you should have a back up processor just in case something should happen to ccbill.

Anything can happen to a processor: a hurricane or tornado could wipe them out if they don't have a disaster recovery plan, their bank could back out on them, they could exceed established chargeback ratios and have their merchant account pulled. Any number of things as we have seen this week.

Having a back-up processor means your business is protected, all of your eggs aren't in one processor's basket.

The advice you were getting in the other thread concerned getting a processor to agree to process for you in the first place. From the sounds of it, it sounded like the processor you were considering might have been thinking some of your content was skirting a bit close to whatever VISA might consider acceptable and you might not even get approved in the first place. It had nothing to do with the good business sense of getting a back-up processor.

My .02
Cheers
Dzinerbear

tony, why tell them? maybe you'll like the new processor's acceptance rates, and you'll decide to use them as the primary.

Matt 26z - i use paycom, but i also really like ccbill. the things i posted are info from having our own merchant account previously, and things i was told by banks. getting a merchant account costs more than double that $750 to visa. and i talked to LOTS of webmasters - more people trust ccbill for a new affiliate program than trust epoch, ibill or the program doing their own payouts.