CCbill DirectPay EU

Does anyone know anything about this?

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ANNOUNCING CCBILL DIRECTPAY EU!
Posted August 29th, 2007 17:54:48, by CCBill Management


CCBILL DIRECTPAY EU PAYMENT OPTION NOW AVAILABLE!

We are excited to announce the release of a new CCBill payment option targeted to 200 million EU Online Consumers...CCBill DirectPay EU..

DirectPay EU is an established and widely accepted Consumer bill payment system within Europe, is supported in 36 EU Region Countries (detailed listing available within System5 HELP), and offers:
# A convenient and supported online payment acceptance method for EU Consumers
# Increased sales by offering a local, trusted payment solution
# Access to a market segment that may not have or use credit cards
# Payment acceptance from high-risk countries with confidence and security
# A safe way for converting declined or blacklisted consumers to paying customers
# An ideal alternative payment solution with declined card transactions
# Local support is provided in the native language of the consumer
# No Charge Backs

You can offer DirectPay EU as a single billing only option for any of your sub-accounts within the System5 Form Admin, at:
System5>Tools>Account Maintenance>Account Admin>Choose Sub-Account>Form Admin>Create New Form

Please Note: the DirectPay EU Consumer Experience is slightly different from the typical CCBill Payment Form process, as the Consumer is not required to enter any payment information into the CCBill DirectPay EU Payment Form. Rather, the Consumer is offered a Transaction ID and a direct link to their Bank's URL on the Payment Form. From the Consumer's secure online bank account page they can then enter their Transaction ID and pay for their membership directly from their personal account. Upon receipt of funds (usually 1-3 business days, with the exception of Germany, where the transaction will take place in real-time), the system automatically emails the consumer their user access information for their purchased membership.

We hope you will feel free to contact us if you have any questions regarding this or other CCBill Global Payment solutions, 24/7 at clientsupport@ccbill.com.

Many Thanks!

CCBill Management

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When I got to 'create new form', I'm not given an option for DriectPay... just the usual Credit and Check. And what is this DirectPay all about? Will surfers in the EU know what it means or do I have to educate them?

hmm - could you post a link to the form?

"Direct Pay" in Germany means "we deduct the funds from your account" -> "Lastschriftverfahren" (direct debit scheme) or "elektronische Lastschrift" (electornic direct debit) - the appriviation for that is "ELV"... at least us germans would need to be educated about "direct debit" but then... who does german language sites ;-)

I don't have a link to anymore information. This news posting was inside the CCbill Admin. Apparently you need to submit an application to add this to your billing options.

If you want to bill german customers very easy, add the direct debit option if it is available for germany

I had a mere 10 (no kidding) credit card transactions in the last two years on my german sites.

Search GWW for Direct Debit, thats basically what it is.

My only gripe about this is that it doesnt handle recurring billing which i know for a fact Direct Debit/Direct Pay does allow the use of because all of my utility bills in the UK were paid using this method and every month, like clockwork, the funds would be taken out of my account.

Im sure Gary will be around on Tuesday and he'll give us all some more information on this :)

Regards,

Lee

no recurring? I did not realise that! Its certainly a nice addition to cc processing, I do hope they get recurring setup too.

Thanks guys!

At least it's a start. CCbill needs to continue to improve it's EU processing capabilities to catch up to Epoch though.

Is Epoch already able to Direct Debit with rebills? Thought they were about to do it but never followed up on that or heared a word on direct debit again :(

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Originally Posted by DEVELISH

Is Epoch already able to Direct Debit with rebills? Thought they were about to do it but never followed up on that or heared a word on direct debit again :(

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Not yet as far as I'm aware but at least they take EU debit cards.

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Originally Posted by Xstr8guy

I don't have a link to anymore information. This news posting was inside the CCbill Admin. Apparently you need to submit an application to add this to your billing options.

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For older accounts you appear to need to submit only an addendum to your contract which is a short 1/2 page form in the CCBill admin if you follow the links from the Posting in the admin area opening screen. There is not much to fill out, essentially only needing to agree to the terms of the addendum and sign it, fax it back to CCBill.

For newer accounts it appears it's already included in the agreement and this step does not appear necessary. For our asianguys.com account we had to submit it, and we are awaiting it's addition to our account, for the asiancockstars.com site we did not as it is a newer account, and have already implemented it as a payment option.

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Originally Posted by Xstr8guy

Not yet as far as I'm aware but at least they take EU debit cards.

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I was of the understanding that this new payment option at CCBill was for taking EU Debit cards.

Am I not correct in that assumption?

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Originally Posted by tombarr

I was of the understanding that this new payment option at CCBill was for taking EU Debit cards.

Am I not correct in that assumption?

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Lol, I'm confused by the different Euro payment options. From what I understand, DirectPay is different than normal EU debit cards. I think it's more like a direct withdrawal from a bank account. And CCbill are offering DirectPay as a one-time membership billing option... no rebilling.

And it also sounds like it's not an instant membership option. I think it takes 2 or 3 days to complete the transaction. Euro debit cards like Switch/Solo are instant just like a credit card.

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Originally Posted by Xstr8guy

And it also sounds like it's not an instant membership option. I think it takes 2 or 3 days to complete the transaction. Euro debit cards like Switch/Solo are instant just like a credit card.

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It is instant membership. Part of the terms are that you understand that the member has access immediately but that it is not guaranteed that you will be paid because the customer can still be declined for things like insufficient funds...and that process can take up to 2 or 3 days.

It seems to be the same thing as taking e-checks in the USA market which we already do using the same process, i.e. instant access for the customer...delayed payment if the transaction is approved after a few days.

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Originally Posted by Xstr8guy

Lol, I'm confused by the different Euro payment options. From what I understand, DirectPay is different than normal EU debit cards. I think it's more like a direct withdrawal from a bank account. And CCbill are offering DirectPay as a one-time membership billing option... no rebilling.

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Do any US based processors offer EU Debit recurring billing?

Is it possible that it is not something that can be done because of some legality concerning EU banking? Or perhaps just EU banking when the transaction is from a US Bank or processor?

Hello Everyone, perhaps I can offer some clarification.

There are two payment options for EU customers that we have recently put live and more on the way!

EU Debit: This allows customers in Germany, Austria, and the Netherlands to pay using their bank account. This is just like a normal US ACH transaction. They input their bank account and routing numbers and they are given access.

Direct Pay: This is for customers who only have a bank account and not any debit or credit cards. It allows customers to send a transfer of funds straight from their bank account. Basically, they signup and they are taken to a page that will provide them with more information on how to transfer the funds. Once we receive the funds they are given access to the site and a confirmation email. So the main difference is that they are not given access in real time, only after we have received their funds.

We think everyone will be very happy with the Direct Pay option especially when just looking at the beta numbers! You can now accept a number of blocked countries that you could not before, not to mention there is no possibility of a chargeback. I can understand the non-recurring thing being a drawback however I can't see any problems with accepting funds that you might normally not get.

Please contact us if you have any further questions or would like to see an example :thumbsup:

Clientsupport @ ccbill.com
800-510-2859

-Paul

Sounds like a plan to me. We currently charge telephone billers a higher rate then standard recurring members. Do you believe that non-recurring members should have a higher rate with this payment option as well?

We charge a higher percentage on telephone transactions so I think it makes sense to compensate for that however the rates are no higher on the Direct Pay or the EU Debit so I really couldn't offer any suggestions there.

I have seen customers spend more on non-recurring transactions than on recurring for the same time frames only because they don't want to have to remember to cancel but I really couldn't supply any numbers on this for you, I wouldn't think it would be too frequent though.

Paul, how does we get set up with EU debit? I understand that we have to fill out an application for DirectPay. Is it the same with EU debit?

Actually, in order to offer Direct Pay you must have EU Debit setup. Once the EU Debit is setup all that needs done is to create a Direct Pay signup form.

In the webmaster admin you can go here to signup for EU Debit: Premium Features-->Partners-->EU Debit.

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Originally Posted by CCBill Paul

EU Debit: This allows customers in Germany, Austria, and the Netherlands to pay using their bank account. This is just like a normal US ACH transaction.

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Why the restrictions on the countries that can use this option? And is this the same as EU surfers using Switch, Solo, Maestro, etc.?

I just see all of these new options cluttering up the join page and causing sufer confusion. It sure would be nice if CCbill could just accept all EU debit cards on their regular joing page like Epoch does.

Paul has posted great info - let me add to with a bit of a data dump:

DirectPayEU is an established and widely accepted Consumer bill payment system within Europe, and is supported in the following 36 EU Region Countries:
Andorra, Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Germany, Estonia, Finland, France, Gibraltar, Greece, Hungary, Iceland, Italy, Ireland, Latvia, Lithuania, Luxembourg, Macedonia, Malta, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Slovak Republic, Slovenia, Spain, Sweden, Switzerland, United Kingdom, Tunisia and Turkey.

The DirectPayEU Consumer Experience is slightly different from the typical CCBill Payment Form process, as the Consumer is not required to enter any payment information into the CCBill DirectPayEU Payment Form. Rather, the Consumer is offered a Transaction ID and a direct link to their Bank's URL on the Payment Form. From the Consumer's secure online bank account page, they can then enter their Transaction ID and pay for their membership directly from their personal account. Upon receipt of funds (usually 1-3 business days, with the exception of Germany, where the transaction will take place in real-time), the system automatically emails the consumer their user access information for their purchased membership.

Why Add DirectPayEU?

• Targets 200 million EU online consumers
• A convenient and supported online payment acceptance method for EU Consumers
• A safe way for converting declined or blacklisted consumers to paying customers
• A one-time billing option for 3 - 6 month memberships, in addition to the standard shorter term billing options.
• Access to a market segment that may not have or use credit cards
• Allows for payment acceptance from high-risk countries with confidence and security
• Declined or blacklisted consumers can safely be converted to paying customers
• Ideal alternative payment solution with declined card transactions
• Increased sales by offering a local, trusted payment solution
• Local support is provided in the native language of the consumer
• No Charge Backs
• Additional opportunity to access a market segment that does not have or use credit cards
• Same volume-based pricing as our standard credit card tiers and the gross amounts are totaled with all of your other transactions.
• Seamlessly integrated into the CCBill Affiliate Program
• Note: doesn't support recurring billing at this point

How To Get Started: CCBill Clients can now offer DirectPay EU as a single billing option to their consumers by creating a new form in the CCBill System5 Form Admin for their chosen sub-account(s) at:
System5>Tools>Account Maintenance>Account Admin>Choose Sub-Account>Form Admin>Create New Form

Jax, can you also post more info about EU Debit? I'm still confused about that option.

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Originally Posted by Xstr8guy

I just see all of these new options cluttering up the join page and causing sufer confusion. It sure would be nice if CCbill could just accept all EU debit cards on their regular joing page like Epoch does.

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This new offering is completely optional.
Some clients are using the DirectPayEU as a denial redirect after a decline, or on completely separate join form, offering options to their clients and minimizing confusion. It is a different sort of payment option from Debit, and carries no chargebacks - the funds are guaranteed.

I can't speak to the other processors offerings, but they could possibly have offerings that are more suited to your particular business model. I know that CCBill is working hard to meet our clients needs, as you will see with a bunch of new offerings in the next few months.

Thanks for the feedback. I will post some additional stuff on EU Debit shortly...

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Originally Posted by Xstr8guy

Jax, can you also post more info about EU Debit? I'm still confused about that option.

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EU Debit is similar to ACH Debit in the US - a direct draft from the client's bank account - valid in Germany, Austria and the Netherlands, like Paul had mentioned. The member enters their bank account/routing number and get immediate access to your content.

It can be added with to a US account or an EU account, or as a standalone offering. It is usually set-up as debit form (US or EU or both), and some of the folks on the boards can help with how they put it into play on their sites. Kinda depends on where your audience is.

• Real-time processing speed
• EU Debit does handle recurring billing
• Transaction fees are the same as your current cc processing fees
• Same day notification on returned checks
• No chargeback fees, as with most CCBill services.
• EU Debit sales are calculated into your gross sales volumes weekly.
• You can set-up whether you want US Dollars or Euros as the base currency.

Maybe Paul can add how to set-it-up...

Sure thing, like I mentioned you can go here in the webmaster admin: Premium Features-->Partners-->EU Debit. There is a wizard located there that will walk you through setting it up.

Once you have created an EU Debit price your check signup form will automatically change. Your check signup form link will redirect to a page that has two buttons on it: 'Pay with my US Checking Account' or 'Pay with my EU Dedit Account'. If you would like an example hit me up and I can track one down for you.

Hi there :)

I read this thread with a lot of interest and Paul already explained a lot. But I still see a lot of confusion in regards of the differences between Direct Debit and Direct Pay and Debit Cards. And you're right, it is confusing.
As a German I might be able to bring a little sun light in this confusion - :) I will try to explain with daily business examples.

Direct Pay:

As Paul explained before, Direct Pay is a direct payment made by the user. It is a redirection to their online banking, where they need to login and make the payment. Germany does not have any checks anymore. That's why they have to use their online banking. And - not all banks are doing it yet.
Advantage: almost instant
Disadvantage: no user data, no recurring, no instant upgrades etc

Debit Card:

We Germans have Debit Cards - yes. But they are not comparable to our US Debit Cards where I can pay online everywhere and it is been handled like a credit card online (more or less)
We have an EC card (which replaced the former EuroSchecks (checks) ) with Maestro. Right now, I can't pay ANYWHERE online with this card. I can pay in my grocery store and most of other stores offline, but not online. So this card is just useful for me when I am over there, to get money out of the ATM and go shopping.
I tried it first when I moved to the US - I can get money out of the ATM but I cannot pay online with it :(
They are in progress of changing this in a long term project.
No need to mention advantage or disadvantage ;)

Direct Debit:

For Direct Debit you need to know about the cultural difference - I am still using Germany as an example. In Germany everybody has (needs) a bank account since there are no checks anymore as previous mentioned. I pay my rent, electricity bill, phone bill, basically any bill via direct debit. Unless it is a one time payment and I make a wire. (That's a lot easier in the EU than here as I found out)
Ok my recurring bills - rent, phone (even with different amounts every month) insurances, power etc I pay per direct debit. How does it work?
I provide my bank details once and the companies withdraw the money directly from my account - month for month and year for year until I cancel, or change. There is no other way to pay for - no checks - no credit cards accepted. That's why everybody has to have a bank account. Even for deposits I need it. If I get government money, like welfare, retirement money, tax refunds, unemployment money or whatever it might be, I need a bank account to receive it.
Ok - let's put it together:
The German/Dutch/Austrian etc is so much used to use this - even my great grandmother pays like that and so does my daughter of 17 ;)

So here's the advantage of real Direct Debit focused on our business:
Everybody knows it, is setup for it and used to provide bank acc details.
Recurring, different amounts every month, instant upgrades, tokens, coins.
A bank account usually exists for your life time.

Just one example before I stop boring you :)

My daughter lives in Germany and I did want to set her up with her own internet access flat rate. I did my research and had to ignore some companies because I could not pay with a CC. I thought I check out 1&1 because I know they are very global and also have a huge presence here in the US and should be able to bill my CC monthly as FPL is doing it ;)
I was very disappointed. As a German customer - I need to pay per direct debit or I cannot setup an account for her. No matter what...

I hope I was able to clarify some questions of the difference between these European "Debit Thingies" :)

If you are interested to get a deep insider look at it, pay attention to the next Klixxx issue. JoeD has written a great, huge article about it, with numbers and deep, deep research.

Have a great weekend everyone :)

Ines

Terrific explanation, Ines. And it also reinforces some of the value of offering this alternative.

I'm going to resurrect this thread because I have a question for the good folks at CCBill...

In the terms, when filling out the paperwork to set up DirectPay, it mentions that users are given access right away, whereas there is a possibility of there being NSF and the transaction returned. In other words, similar risk to taking online checks where someone gets access, only to have it be discovered they didn't have the money so access is cut off (but they got a few days for free).

But in the bullet points advertising DirectPay in the CCBill webadmin area, it says that users don't get access right away. They only do once the funds are confirmed and they then receive an email with their user/pass.

Which is it? Or am I misreading stuff? hehe.

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Originally Posted by CorbinFisher_BD

I'm going to resurrect this thread because I have a question for the good folks at CCBill...

In the terms, when filling out the paperwork to set up DirectPay, it mentions that users are given access right away, whereas there is a possibility of there being NSF and the transaction returned. In other words, similar risk to taking online checks where someone gets access, only to have it be discovered they didn't have the money so access is cut off (but they got a few days for free).

But in the bullet points advertising DirectPay in the CCBill webadmin area, it says that users don't get access right away. They only do once the funds are confirmed and they then receive an email with their user/pass.

Which is it? Or am I misreading stuff? hehe.

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Is it the latter, we wait for funds confirmation, and then grant access, protecting you from NSF. The member doesn't get access to your content until we have money in hand.
The confusion lies in our use of the 'standard debit agreement', which does include traditional debit challenges and parameters.
Our goal was to try to limit the amount of paper that you need to process with us to get the service up and running.
Sorry for the confusion. :eek:

Are you using DirectPayEU yet?

We have added it to our payment options!

Well Five minutes passed so I couldn't add this but:

Is there a simple way to tell which transactions used DirectPay EU?

Go to
Reports>>Transactions>Credit/Check Transactions
and under Options/Payment Methods, you can choose DirectPay and see your DirectPay transactions (or any other specific payment type, for that matter).

If you haven't received any during the specified period, it will tell you and revert the drop-down menu to ALL. :)

None yet, but I probably don't have it advertised or promoted anywhere near enough. Will certainly adjust that.

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Originally Posted by ccjax

Is it the latter, we wait for funds confirmation, and then grant access, protecting you from NSF. The member doesn't get access to your content until we have money in hand.
The confusion lies in our use of the 'standard debit agreement', which does include traditional debit challenges and parameters.
Our goal was to try to limit the amount of paper that you need to process with us to get the service up and running.
Sorry for the confusion. :eek:

Are you using DirectPayEU yet?

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Thanks for the clarification! We actually just started setting it up today and had that quick question to ask about it hehe

hay guys...anyone already implement this? are you guys noticing any increase in sales? thanks

allan