Quote:
Originally posted by Mystery Man@Dec 7 2003, 09:24 PM
Nice info Redeye - Good reading... reminds me of the old ynot and netpond days.... (small tear runs down my chin)
Anywho... since you seem to know your stuff about this I have a few questions/corrections for you.
1. PBS in Denmark, you say they are still open for adult transactions right?
- They are not. PBS Do process for adult still but its only for Dankort which is like a danish Amex. VISA/Mastercard was taken down this year.
2. This is a question.
- I know that Interpay the dutch gateway, which supposely are owned by Mastercard and some dutch banks are putting off processing for their adult merchants if you run sites such as pissing, bondage etc in that niche.
And this is not a ruling by VISA but by InterPay itself. Is there any truth to this?
3. It has been said that InterPay will stop all adult merchants that process bestiality in the first months of 04, that's atleast the rumours. The other rumours are they wont as they are affraid of lawsuits, which one is it?
I have more questions, but it's late here and I need my beauty sleep lol.
So hopefully you have answered my questions by the time I return.
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I hate posting on forums about existing companies.
I'm not sure if it was said, but I run a lot of things including Russia's largest adult webmaster board , Serge reffered to it once - Krutop.
I already had a bad experience trying to setup cc processing in Russia when I came in to the biggest Russian acquirer (huge bank, big even by western standarts, the main promoter of VISA in Russia) to the vice head of E-Commerce department and have been speaking for 30 minutes about processing opportunities , our dutch companies, been trying to explain what "high risk commerce" means and when I went on to the subject of IPSP rules in USA, this vice head of e-commerce whom I never met before, suddenly said
"Yep I read about this IPSP stuff. Somewhere on Crutop. Hello RedEye."
Anyway, back to subject:
1. I never said PBS does adult. Quite on the contrary.
PBS doesnt do adult for already several years after one of three big billing companies in USA fucked them for millions and millions.
2 & 3. You got it all wrong a bit.
InterPay Nederlands is not a gateway. "Gateway" usually means Payment Service Provider (PSP). InterPay Nederlands is not exactly a payment service provider ,
, it is one of a few largest acquiring banks in Europe. InterPay is owned by dutch banks including ABN Amro and ING which are among top 20 banks in the world.
InterPay is a sole representative of MasterCard in Netherlands and is a major co-owner of MasterCard Europe.
Sometimes when MasterCard comes somewhere officially to establish processing it's the InterPay which really comes.
There are several gateways (PSPs) plugged into InterPay at this moment of which only 1 officially allows adult and that is vxsbill.com which is Your best way to InterPay. There is one other , which is the largest non adult PSP in Europe and it is Ogone.nl, company mentioned along with Bibit in the e-commerce researches of the European Bank which issues Euros, I dont remember it's name, Ogone and Bibit are huge guys, if I am correct Ibill & CCBill are much smaller, but Ogone will take Your merchant account on their gateway only on a very strict case per case basis, although it has been done before. In any case You need Your own merchant account in InterPay which is again difficult to get unless You are dutch.
InterPay has a problem that most of it's adult clients are extreme sites, the problem comes from a very simple fact that InterPay is Dutch and in Netherlands almost all kinds of porn are legal. Therefore the first guys who got problems with processing during these years all went there (zoo, rape , incest and so on).
Generally InterPay does not like porn either. Being dutch does not make them porn lovers You know. In fact they dont love e-commerce too much as well.
They also have as client one of known third party billing companies out there , so together with vxs dudes , who are quite nice by the way if You are nice Yourself, they got it all shared over there and would not like any extra attention, this is one other reason they hate extreme sites. And more or less it's quite natural they dont want anyone to get into their small kingdom.
The problem lies also in the fact that Netherlands is a very legal country so to say. It's the home of Haag, headquarters of law in Europe. If the extreme sites are legal there it is very difficult to cancel services for them due to the fact that InterPay is a monopolist in Netherlands and has enough of bad publicity about that. Besides that, Netherlands is a very small country. Basicly InterPay has a few webmasters who use them whom InterPay and the "kingdom" around it hates (as any kingdom , kings like people to crawl, and hate those who refuse) but is still not able to cancell them. So they have the same game VISA has with Ibill and CCBill - just smaller. Making new rules every day, which probably makes the life in Netherlands less boring for all of them.
Whom the rules come from by the way, them or VISA/MC is always very difficult to tell.
You have to understand that VISA/MC are membership organisations. Nobody has direct relationships with VISA but acquirers. Acquirers have NDAs with VISA and therefore are never able to release any information which passes in between VISA/MC and the acquirer. That's the answer by the way on the question "why nobody ever saw god damn VISA rules
we all heard so much about".
To summarise I'd say that InterPay is the best rock solid solution one can find for a direct merchant account for adult these days. However Your acceptance there purely relies if people there like You. Your volume does not matter there unlike other places since InterPay or VXS do not want to have 100 000 000 from adult by tomorrow. They have enough already.
You will not be able to play games like dutch guys do with extreme sites and laws about them, because You are not dutch. Laws do exist and for a dutch person their authorities may indeed prosecute whomever they want to for breaking those laws. This does not include foreigners in the majority of cases with minor exceptions .