Anyone use 2CheckOut (2CO) Merchant/payment service?

is it? ohh a confusion. I wanted to attract people on this thread who are already using 2CO or thinking of it, so we can have a conversation up.

Hi I guess it's set by default. and its set to 1. Your client should not order 2 digital goods, cause it makes no sense. If they do, you can cancel extras.

Tamal,

What's your take on @markowe's question, where he's basically asking about a blog post made on our web site, at http://www.digitalaccesspass.com/blo...oduct-sellers/ , which was the last time we worked on 2CO integration?

Have they made any change to their policies at all?

What happened with your first 2 payments? Were they instantly "approved"?

- Ravi Jayagopal

Hi what kind of products you sold, and did you lose any money, that they didn't paid?

Is FastSpring cheaper than 2CO? Do they verify payments manually as is the case with 2CO and Plimus? (Especially payments made with paypal)

Wow, I finally figured out multiquote

Tamalanwar, so I am not sure I understood - you have to get a few payments approved first and then everything is fine? So can you just make a couple of payments yourself, or get a friend or colleague to do so or something? Or just hope for a very patient first few customers?

Where does Payoneer come into it - you are using it like a bank account, right?

Chris, from my research on 2CO and many other payment processors, I seem to remember that money can be wired to you, but direct deposit may be possible in some countries too. The REASON many of us are interested in 2CO though is because we are NOT in those countries where DD is possible and therefore wire transfer suits us, even if it means waiting a month or whatever (actually I think it's not as long as that).

Sure. Basically, when you have a regular merchant account, (i.e., utilizing Authorize.net as the "gateway" processor)... any time you purchase something, it runs through a fraud check.

Basically, you could have your address as:

123 fourth street

On your credit card statement.

BUT if you enter it as

123 fourth st.

when you purchase something, it can be easily flagged as fraud.

Or, for Canadians with a psotal code, you might have it as
L2M 4M8 on your card statements, but if the person who set the fields to have no spaces, and you enter it as:

L2M4M8 (no space), it's flagged as fraud.

So that means, a person needs to manually review it to see "why" it was actually flagged as fraud... i.e., is it the wrong name? Is it completely the wrong address, or is it just one of these simple things?

If you enter say your cell phone #, but your credit card statement is linked to your home phone #, they'll flag it as possible fraud.

This is a HUGE protection for merchants/sellers, because it ensures that it is the person who owns the card, AND it's a huge protection for buyers, because it can't just be anyone buying (i.e., if someone stole their credit card and used the thief's address)

Does it happen on all? Honestly I don't know, but I do know that "when" it happens, they are VERY quick about checking and sending you an "all clear - okay to ship/deliver" email. It used to take several hours, but in the past 1-2 years, I don't think I've ever had it take more than about 15 min.

Buyers can handle waiting 15 min for confirmation, to ensure that THEY aren't being stolen from either.

As I said, clickbank has minimal fraud control, and actually I read last night that paypal doesn't have huge stuff in place either. That's why for a bit there, people were getting away with manipulating orders.

I know it might be a little annoying for the dap guys, but other companies are able to get through this.

I know the RAP system, if paypal returns a temporary hold (i.e., a pending echeck) to the IPN system, it doesn't give people access immediately either, BUT - as soon as the payment clears, the RAP system is notified by paypal, and it then sends on the approval to the buyer so that they can then access their purchase.

The credit card system is pretty much the same at 2CO - it simply requires a few moments for the seller to approve the person's order.

If you want to balk about even a 30 minute delay, and you don't care if someone else might be using your credit card, then you can't buy using a credit card anywhere if you expect everything "instant", just use paypal.

But for those of us who DO care that our buyers are legitimate, and that the buyers are ALSO protected just as much as us, then 15-30 min isn't a big deal.

You know, when some people order from the big guys and they complain that they didn't get access... then about 15-30 min later they do get access, this is likely why.

Whoever they use as a processor, whether its 2CO or Authorize.net or the myriads of others, ANY legitimate merchant system will do the exact same thing.

Does this help?

Amber