New PayPal Competitor Wiki Pay?

142 replies
Hey guys,

Has anyone seen/used this site www.wikipay.com? It looks really interesting and their fees seem to be much lower than PayPal's. With a verified biz account you can take credit cards and it also allows you to send money via text message (which sounds pretty cool). Has anyone used this site, or does anyone know anything about it?

I'm speaking to one of their reps tomorrow to find out if it's a viable alternative to PayPal, but I thought I'd ask if anyone's tried it out yet.

Russ
#competitor #pay #paypal #wiki
  • Profile picture of the author ChristopherTheron
    I am also very interested in seeing if anyone has had any experience with them.
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  • Profile picture of the author RussRuffino
    It looks like they have mobile marketing already integrated and the ability to send a marketing text and get paid just by someone texting back the word "yes" - how sweet is that?

    Russ
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    • Profile picture of the author annabelle07
      Originally Posted by RussRuffino View Post

      It looks like they have mobile marketing already integrated and the ability to send a marketing text and get paid just by someone texting back the word "yes" - how sweet is that?

      Russ
      That's really neat! Thanks for sharing it here...had no clue there was something like that around. Besides Wiki Pay, Alert Pay what are the other good alternatives people are using?
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    • Profile picture of the author Joseph Robinson
      Banned
      Originally Posted by RussRuffino View Post

      It looks like they have mobile marketing already integrated and the ability to send a marketing text and get paid just by someone texting back the word "yes" - how sweet is that?

      Russ
      What do you mean by this? Sounds extremely enticing...
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  • Profile picture of the author Alfredo Carrion
    I hope it will work in Europe anytime soon.
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  • Profile picture of the author Derek S
    I absolutely LOATH PayPal and actually refuse to ever use them again after giving me serious grief with account freezes from simple micro product launches.

    More competitors the better in my opinion!

    I would be interested to see their checkout process though. I think if they straight up accept credit cards they would be fantastic. If they push signing up to their site to buy your product... they would probably extremely lower your conversions as no one yet knows who they are like most people know of PayPal.

    Also interesting to see how well you can integrate the checkout process to the look and feel of your site. This is a big issue for me as I have nearly perfected the order page design for maximum conversions!

    Anyone use them and willing to share their site so I can check out the... "check out" process PM me!
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    • Profile picture of the author Alex Makarski
      They don't seem to integrate with any shopping carts yet. Looks pretty good otherwise.
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  • Profile picture of the author RussRuffino
    I'll report back after I talk to their customer service people tomorrow. Going to try to arrange a tour of their whole system.

    Russ
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  • Profile picture of the author Derek S
    Hey Russ ask about this. "NSF Fee
    If any electronic request for payment or ACH debit is returned unsatisfied because of insufficient funds or for any other reason, the User will be charged a returned payment fee“NSF Fee”)of $20.
    This fee will be imposed for each attempt to collect a payment that is returned unsatisfied. The NSF fee will be retained by WikiPay to cover the costs associated with the returned payment."

    This mean that every refund that is requested will cost us an additional $20? Big red flag with me. Company I am with now only charges an additional 3% for refunds and will pay all charge backs out of their own pocket!!

    Second red flag for me is this:

    "WikiCourt™is a unique dispute resolution platform. Facts are posted by the participants of a disagreement and can be viewed by any member. Independent jury members are selected to review and settle the case."

    So this mean that all disputes are handled publicly? LOL yeah right any business owner will go for that.
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    • Profile picture of the author QuickSurf
      Originally Posted by Derek S View Post

      Hey Russ ask about this. "NSF Fee
      If any electronic request for payment or ACH debit is returned unsatisfied because of insufficient funds or for any other reason, the User will be charged a returned payment fee"NSF Fee")of $20.
      This fee will be imposed for each attempt to collect a payment that is returned unsatisfied. The NSF fee will be retained by WikiPay to cover the costs associated with the returned payment."

      This mean that every refund that is requested will cost us an additional $20? Big red flag with me. Company I am with now only charges an additional 3% for refunds and will pay all charge backs out of their own pocket!!

      Second red flag for me is this:

      "WikiCourtâ„¢is a unique dispute resolution platform. Facts are posted by the participants of a disagreement and can be viewed by any member. Independent jury members are selected to review and settle the case."

      So this mean that all disputes are handled publicly? LOL yeah right any business owner will go for that.
      Looks like these questions are still unanswered..... can anyone chime in?
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    • Profile picture of the author Jemvip
      Originally Posted by Derek S View Post

      Hey Russ ask about this. "NSF Fee
      If any electronic request for payment or ACH debit is returned unsatisfied because of insufficient funds or for any other reason, the User will be charged a returned payment fee“NSF Fee”)of $20.
      This fee will be imposed for each attempt to collect a payment that is returned unsatisfied. The NSF fee will be retained by WikiPay to cover the costs associated with the returned payment."

      This mean that every refund that is requested will cost us an additional $20? Big red flag with me. Company I am with now only charges an additional 3% for refunds and will pay all charge backs out of their own pocket!!

      Second red flag for me is this:

      "WikiCourt™is a unique dispute resolution platform. Facts are posted by the participants of a disagreement and can be viewed by any member. Independent jury members are selected to review and settle the case."

      So this mean that all disputes are handled publicly? LOL yeah right any business owner will go for that.
      As for the NSF $20 charge, let us clarify that that fee is ONLY charged if a user tries to load their WikiPay account from their bank account but does not have enough money in their bank (similar to bouncing a check - as this transaction is an ACH transaction). As a result, the user would be charged this $20 insufficient fund fee.

      This fee is not charged if a user simply tries to make a transfer from their WikiPay account to another WikiPay user, or to a merchant, or to their prepaid debit card but does not have enough money in their WikiPay account (as these are not ACH transactions). In this case, the user will instantly receive an error message via email and text saying you do not have enough money in your WikiPay account to complete this transaction - thus no fee is charged and no transaction is made. At no time is a merchant or the user charged for such "overdrafts" within the WikiPay system as we just will not allow the transaction to complete.

      I hope this answers your question...
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  • Profile picture of the author skorpion
    google clearXchange

    3 of the biggest banks teaming up but wont be available for merchants right off..
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  • Profile picture of the author webmarke
    I have not heard of wikki pay but I will check it out. Another good alternative to paypal is alertpay.
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  • Profile picture of the author Always-A-Warrior
    I don't think its that secured as the owner is using hotmail as his email account.
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  • Profile picture of the author Jake Gray
    There is definitely a market out there and I think they are
    trying to replace PayPal (Thank goodness.) - Looking into a
    soon-to-be platform called clearXChange. Looks a lot more
    legit considering some major big-time banks are opening it.
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  • Profile picture of the author 2011profit
    Looking forward to it. Tired of using paypal, the more choices the better. We just have to be careful or else another pain on the neck it is.
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  • Profile picture of the author r2r
    so we got a easy and good way of transferring money other than paypal.. thx for sharing this information.
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  • Profile picture of the author LB
    I can certainly see advantages of a payment system like this, but people are hesitant to use something they are unfamiliar with. Plus, although there are definite cool applications of the mobile payment option, I'm not sure I would use it to sell the average product.

    Right now, it seems the best options (outside of having your own merchant account) are Alertpay and 2Checkout. Both allow payment with a credit card and no account required so at least most people are going to be comfortable using it.
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    • Profile picture of the author RussRuffino
      Originally Posted by LB View Post

      Right now, it seems the best options (outside of having your own merchant account) are Alertpay and 2Checkout. Both allow payment with a credit card and no account required so at least most people are going to be comfortable using it.
      I agree. But I would expect a LOT of new competitors to PayPal to start emerging, both small-time players and large financial institutions. Making it easier to send money is in EVERYONE'S best interests, so I just want to get as much info I can about this "new kid on the block".

      Like I said, I have a tour set up with their people today, so I'll re-post what the best features are. Always good to have more options.

      Russ
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      • Profile picture of the author LB
        Originally Posted by RussRuffino View Post

        I agree. But I would expect a LOT of new competitors to PayPal to start emerging, both small-time players and large financial institutions. Making it easier to send money is in EVERYONE'S best interests, so I just want to get as much info I can about this "new kid on the block".

        Like I said, I have a tour set up with their people today, so I'll re-post what the best features are. Always good to have more options.

        Russ
        Let us know how it goes. I'm definitely still interested in seeing all options.
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  • Profile picture of the author jushuaburnham
    That was a great alternative, paypal doing crazy lately.
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  • Profile picture of the author Elkinton
    Slide in Google Checkout with the competition - which is GREAT for digital products. With name support and features offers it’s a contender that cannot be ignored.
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  • Profile picture of the author timpears
    Competition for PayPal? Can't say it is too early for that.
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  • Profile picture of the author Mike Hill
    Wonder if us Canadians can get a business account with them? Unlike with Google...
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    • Profile picture of the author cypherslock
      Originally Posted by Mike Hill View Post

      Wonder if us Canadians can get a business account with them? Unlike with Google...
      You can but there doesn't seem to be a way to hook up your Canadian bank account just yet. At least according to the sign up process. I'm SO damn tired of feeling like I'm second class because I wasn't born in the US which has better content, better internet, more choices for how you deal with money....We still rock the healthcare though. But it isn't enough.
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      • Profile picture of the author marchenzo
        Cheers Russ, I was following your recent Paypal woes post your WSO launch, this looks like a great alternative, competition is sorely needed here and without sounding overly vindictive (had my paypal woes too) it will be nice to see paypal realise they cant act with impunity regarding online marketers.
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  • Profile picture of the author RussRuffino
    Hey guys,

    So after meeting with 3 of their top agents, I think this technology has a TON of potential. I'm going to make them my default payment processor for the time being, and then probably blog about the experience so everyone has a heads-up.

    They're just getting started, so it'll be a while before they have the clout of the major processors, but the good thing about that right now is ACCESSIBILITY. They are SUPER responsive at this stage of the game.

    Some of the cooler features they have are:

    • MUCH faster withdrawals than PayPal (24 hours)
    • Cheaper than PayPal $1.00 fee per transaction or 1%, whichever is LOWER.
    • You can TEXT offers and coupons to your list and then can BUY from you just by replying to the text. (this is potentially awesome)
    Like I said, I'll keep you guys posted about the experience, but for right now, they seem very cool.

    Russ
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    • Profile picture of the author JDArchitecture
      Originally Posted by RussRuffino View Post

      Cheaper than PayPal $1.00 fee per transaction or 1%, whichever is LOWER.
      Not exactly correct.



      Merchant Services
      • A Merchant may receive 30 free transactions per month from Users of the WikiPay platform that have cleared funds in their account.
      • Merchants will pay 1.75% + $0.20 to 2.75% + $0.20 per transaction if a debit or credit card is used.
      WikiBlastâ„¢ Mobile Marketing
      • A Merchant pays a recurring $9.95/mo. service charge.
      • Then, a Merchant ONLY pays when a sale is made: if an item or service is purchased for $10 or less, the fee is 10% per transaction, and if an item or service is purchased for over $10 the fee is $1 per transaction.
      Source: https://www.wikipay.com/home/faqs
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  • Profile picture of the author Coby
    Wow! They do look and sound really cool! I especially love that Wiki Blast option!

    I just signed up

    Thanks Russ!

    Looks like PayPal might have some competition
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  • Profile picture of the author Raindance
    I just signed up but I'm not able to figure out how to make a "buy now" or "add to cart" button.
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  • Profile picture of the author sbucciarel
    Banned
    I just signed up. Looks very interesting. I'm all for Paypal competition.
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  • Profile picture of the author Josh Walker
    interesting! Going to check it out!
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  • Profile picture of the author whitewave
    paypal sucks, I'd use wikipay.
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    • Profile picture of the author Jemvip
      Hello, my name is Jeremy Green, I'm one of the Wikipay Agents Russ talked with.

      I would like to give you some information on WikiPay and let you know that I'm here to help with any questions you may have now and in the future re WikiPay.

      Say goodbye to PayPal and expensive processing fees and start saving money now! Sign Up for WikiPay Biz Solutions today! It won't cost your customers a thing and it will save you a bundle in processing fees.

      Please use "vip" as Affiliate Code at sign up, this will allow us to better help you on a personal one on one level if you have any questions re your WikiPay account. Using an Affiliate Code gives you access to me, a real live human being in the USA.

      If you have already signed up for a WikiPay account without an Affiliate Code you can assign one now by logging in to your Wikipay account and visiting the "Account Manager" section and use "vip" as your Affiliate Code.

      All the best,
      Jeremy Green
      888 406 1036
      Skype jem.green
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        • Profile picture of the author Jemvip
          Originally Posted by cufflinks View Post

          Hi Jeremy

          I tried signing up but I received an error on the webpage. It says "Invalid Mobile Number".

          I'm from Australia. Are your services confined to the US?

          Regards
          At the moment we're just operating in the USA, we're working on being global in the near future, I will have more on this later in the week.

          Thank you for trying to sign up...
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  • Profile picture of the author Istvan Horvath
    There were a few questions in the thread above re:
    - usefulness of WikiCourt
    - Canadian users
    - NSF fee...

    Maybe you could start addressing those concerns, eh?
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  • Profile picture of the author J Bold
    Yes, what are the $20 fees all about? For refunds? If a buyer has insufficent funds do they charge the seller? Or is it only a charge for the buyer?

    Would need more information about these things...
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  • Profile picture of the author cypherslock
    Regarding Canadian users. Here's the answer I received: "We do not have plans in the short-term to include international locations as there are strong regulations for cross-border transactions."

    Translation: We don't yet have the muscle to truly compete. I get so pissed off at being treated like I'm second class some days because I wasn't born in the US.
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    • Profile picture of the author VanessaB
      Originally Posted by cypherslock View Post

      Regarding Canadian users. Here's the answer I received: "We do not have plans in the short-term to include international locations as there are strong regulations for cross-border transactions."

      Translation: We don't yet have the muscle to truly compete. I get so pissed off at being treated like I'm second class some days because I wasn't born in the US.
      What are current options for Canada?
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      • Profile picture of the author Itachi
        sounds good, i have read so much bad feedback about paypal even in this thread anything that does'nt screw up is always welcome !
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  • Profile picture of the author Istvan Horvath
    I get so pissed off at being treated like I'm second class some days because I wasn't born in the US.
    ..and I wasn't born even in Canada
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  • Profile picture of the author Lifechitect
    Service look new. Be careful who you trust your money to.
    I'm stating away until they get some reputation.
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  • Profile picture of the author Gary McCaffrey
    I'm finished using PayPal myself and PaySpree will be incorporating AlertPay as a payment option this week. AlertPay seem like a nice company.
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  • Profile picture of the author Dwight Anthony
    The issue is it will take some time for any competitor to catch up with Paypal. Especially for buying products and services. Might be cool for selling though.
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  • Profile picture of the author socialsite
    I think that it's not a good idea to just jump onto another payment processor right away. I am not real fond of paypal myself but I don't think it's wise to send sensitive information like that to any new company. One example I am referring to is paybox. A ton of people sent me a invite because they joined because supposedly they are paying something like $20 for every sign up and that was before they even launched. But I'm asking ok, but where is the money coming from to pay the $20 for each person. If they had not even launched yet and have no money coming in how do you pay the $20. That sounds like a major ponzi scheme to me.
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    • Profile picture of the author VanessaB
      Originally Posted by socialsite View Post

      I think that it's not a good idea to just jump onto another payment processor right away. I am not real fond of paypal myself but I don't think it's wise to send sensitive information like that to any new company. One example I am referring to is paybox. A ton of people sent me a invite because they joined because supposedly they are paying something like $20 for every sign up and that was before they even launched. But I'm asking ok, but where is the money coming from to pay the $20 for each person. If they had not even launched yet and have no money coming in how do you pay the $20. That sounds like a major ponzi scheme to me.
      How do you know that the company doesn't have venture capital backing that lead generation campaign?

      Sometimes I just wonder...

      Dani
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      • Profile picture of the author JDArchitecture
        Originally Posted by DanielleS View Post

        How do you know that the company doesn't have venture capital backing that lead generation campaign?
        Because there's absolutely nothing to indicate that's the case.
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        • Profile picture of the author VanessaB
          JD...
          And there's nothing to indicate that it isn't.

          -Dani
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          • Profile picture of the author JDArchitecture
            Originally Posted by DanielleS View Post

            JD...
            And there's nothing to indicate that it isn't.

            -Dani
            Sure there is. No evidence.

            If they had significant, reputable and established backing, it would be out there.
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            • Profile picture of the author VanessaB
              Originally Posted by JDArchitecture View Post

              Sure there is. No evidence.

              If they had significant, reputable and established backing, it would be out there.
              JD,
              Only to anyone who might actually bother to look for it.

              -Dani
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            • Profile picture of the author Jemvip
              Originally Posted by JDArchitecture View Post

              Sure there is. No evidence.

              If they had significant, reputable and established backing, it would be out there.
              WikiPay has JV'd with the ProutyCo. ProutyCo has 30 years experience in Prepaid debit/credit cards.
              The Officers of ProutyCo display their knowledge and expertise in the following fields and disciplines:
              Payment Processing;
              - Funds Movement;
              - Merchant Services;
              - Private Label Debit & Gift Cards;
              - Wireless Communication Services and Enabling Technologies;
              - Internet Technologies and Online Services;
              - Entrepreneurship;
              - Marketing;
              - Advertising;
              - Audio Engineering;
              - Intellectual Property Creation;
              - Product Design; &
              - Branding.

              ProutyCo has 300 products/services in 64 countries.
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            • Profile picture of the author azmanar
              Originally Posted by JDArchitecture View Post

              Sure there is. No evidence.

              If they had significant, reputable and established backing, it would be out there.
              lol.... here we go again with JD and Danielle ..

              will make this thread pretty lively.
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        • Profile picture of the author saxatwork
          Originally Posted by cypherslock View Post

          Regarding Canadian users. Here's the answer I received: "We do not have plans in the short-term to include international locations as there are strong regulations for cross-border transactions."

          Translation: We don't yet have the muscle to truly compete. I get so pissed off at being treated like I'm second class some days because I wasn't born in the US.
          Originally Posted by Istvan Horvath View Post

          ..and I wasn't born even in Canada
          Yeah, that sucks... I really hope they go International soon... Canada and UK might be next if they do, and it might take a while before they include countries like India and China. RBI (India) and Paypal are still not very much in good terms with each other, and it doesn't seem like there is any interest from either parties to end it soon. Till then, I'm stuck with Paypal or maybe an alternative somewhere.
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      • Profile picture of the author Jemvip
        Hi Guys, Jeremy with WikiPay here. We're working on getting all your questions answered.
        As far as being outside of the USA, if you have a US bank account you can accept payments via WikiPay. WikiPay is working on being global in the near future.

        We're thinking of holding a conference call for all the Warrior Forum members who have signed up for a free WikiPay account, we will let you know the call in number via the email address and mobile number you signed up to WikiPay with.

        You need to use "vip" as your Affiliate Code to get the call in number for the conference call. If you've signed up without using an Affiliate Code you can log in to your WikiPay account an assign one in the Account Manager area.

        Best,
        Jeremy.
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        • Profile picture of the author QuickSurf
          Originally Posted by Jemvip View Post

          Hi Guys, Jeremy with WikiPay here. We're working on getting all your questions answered.
          As far as being outside of the USA, if you have a US bank account you can accept payments via WikiPay. WikiPay is working on being global in the near future.

          We're thinking of holding a conference call for all the Warrior Forum members who have signed up for a free WikiPay account, we will let you know the call in number via the email address and mobile number you signed up to WikiPay with.

          You need to use "vip" as your Affiliate Code to get the call in number for the conference call. If you've signed up without using an Affiliate Code you can log in to your WikiPay account an assign one in the Account Manager area.

          Best,
          Jeremy.
          Would you be able to clear up the NSF $20 questions in this thread? Think thats the main one people are wondering about/feeling held back by as it's not clear how it works.

          thanks
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          • Profile picture of the author Jemvip
            Originally Posted by QuickSurf View Post

            Would you be able to clear up the NSF $20 questions in this thread? Think thats the main one people are wondering about/feeling held back by as it's not clear how it works.

            thanks
            As for the NSF $20 charge, let us clarify that that fee is ONLY charged if a user tries to load their WikiPay account from their bank account but does not have enough money in their bank (similar to bouncing a check - as this transaction is an ACH transaction). As a result, the user would be charged this $20 insufficient fund fee.

            This fee is not charged if a user simply tries to make a transfer from their WikiPay account to another WikiPay user, or to a merchant, or to their prepaid debit card but does not have enough money in their WikiPay account (as these are not ACH transactions). In this case, the user will instantly receive an error message via email and text saying you do not have enough money in your WikiPay account to complete this transaction - thus no fee is charged and no transaction is made. At no time is a merchant or the user charged for such "overdrafts" within the WikiPay system as we just will not allow the transaction to complete.

            I hope this answers your question...
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  • Profile picture of the author ricoramiro
    I hope this works out as PayPal has the market sewn up. I've been using Google Check Out and haven't had any problems at all with them.
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  • Profile picture of the author Leonard45
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    • Profile picture of the author VanessaB
      Originally Posted by Leonard45 View Post

      I don't really see how paypal is a scam.
      Well Leonard,
      Paypal, in and of itself, is not a scam. They just happen to engage is some 'questionable' business practices, that may or may not be legal... as is yet to be determined by some future FTC investigation, I'm sure.

      However, it's not entirely safe to send all your income to any ONE payment processor anyway.

      -Dani
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      • Profile picture of the author E. Brian Rose
        Originally Posted by dyiosah View Post

        I agree with you leonard45, I been using paypal for years now and haven't got any bad experience.
        I said the same thing... until they froze over $50k and canceled 700 recurring payments.
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        • Profile picture of the author Ben Gordon
          Originally Posted by E. Brian Rose View Post

          I said the same thing... until they froze over $50k and canceled 700 recurring payments.
          I'm just asking, why in the world would you keep 50 grand in your PayPal account!? I haven't got any bad experience... but the most I keep inside my PayPal account is $500. When I get 1.5K, I transfer it all into my bank account. PayPal makes $500 per month from fees from me... so they have no point in limiting me. They'd much rather have a lifetime customer who they can make a lot of money rather then getting some $500... and maybe causing legal action to be taken against them.
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          • Profile picture of the author E. Brian Rose
            Originally Posted by Ben Gordon View Post

            I'm just asking, why in the world would you keep 50 grand in your PayPal account!?
            It was from one night's worth of sales, which we had permission ahead of time from PayPal to accept. I was later told that withdrawing more than $5k in a 24 hour period would be a red flag. We withdrew slowly, but it didn't matter.
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          • Profile picture of the author VanessaB
            Originally Posted by Ben Gordon View Post

            I'm just asking, why in the world would you keep 50 grand in your PayPal account!? I haven't got any bad experience... but the most I keep inside my PayPal account is $500. When I get 1.5K, I transfer it all into my bank account. PayPal makes $500 per month from fees from me... so they have no point in limiting me. They'd much rather have a lifetime customer who they can make a lot of money rather then getting some $500... and maybe causing legal action to be taken against them.
            Because taking it OUT of his account is something PayPal sees as a 'red flag'.

            Because an influx of sales, even despite his attempts to mitigate the risk by calling first, is something PayPal sees as a 'red flag.'

            Because they viewed his product as something that violated their TOS, as a 'red flag.'

            And it's not so easy to just 'take legal action.' Most people have absolutely no idea how to go about doing that, and with all their money frozen in PayPal's coffers, lack the resources needed to hire legal counsel.

            -Dani
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        • Profile picture of the author VegasVince
          Originally Posted by E. Brian Rose View Post

          I said the same thing... until they froze over $50k and canceled 700 recurring payments.


          Brian....Pay Pal doesn't screw honest marketers..LMAO...of course they do. I've been telling you people this for 4years or more.

          And here's hoping you get your 50K back...but the question no one can answer and I devoted an hour radio show to this.....WHAT DO THEY DO WITH THE INTEREST...cuz bro you aint gonna see a dime of that interest even if it is returned.

          That's the dirty little secret re: Pay Pal I brought up 3 years ago...and they said I was nuts. Just crooks get banned et al.

          Yeah right...got all my money back 6800 the same day Ebay gave me a power seller certificate in the mail. ...and aint that rich?

          Oh....I got every penny back.....but not an apology and not one cent of interest...and I know Pay Pal didn't stick that money under their mattress did they?

          Hate to say it....please keep screwing good marketers Pay Pal....maybe just maybe you'll piss off enough of them to get a viable option other then these *******s.

          peace, and good luck Brian for real. You are not the first...nor the last....



          Vegas Vince
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          • Profile picture of the author CDarklock
            Originally Posted by VegasVince View Post

            Brian....Pay Pal doesn't screw honest marketers..LMAO...of course they do. I've been telling you people this for 4years or more.
            Plenty of honest people end up in PayPal's sights. Nobody's saying that doesn't happen.

            What we're saying doesn't happen is PayPal freezing accounts arbitrarily - when people are following PayPal's terms of service, adhering to their Acceptable Use Policy, and avoiding actions that expose PayPal to sizeable risks.

            I have never, ever, EVER seen anyone frozen or limited who wasn't doing one or more of the above. And the absolute top of the list on "exposing PayPal to sizeable risks" is yanking your money out into a bank account as quickly as possible.

            Similarly, when you sign up for PayPal, you understand up-front that you aren't earning interest on your balance. That's what amounts to PayPal's balance-carrying fee. If you've got a problem with that, go get a "real" merchant account at a "real" bank.

            These are risks that you personally need to evaluate and accept. If you align your behaviour with PayPal's interests, to wit:

            - Avoid high-risk products and business models
            - Maintain a low refund and dispute rate
            - Carry a PayPal balance for extended periods
            - Make most of your payments within PayPal
            - Withdraw no more than 70% of your funds at once
            - Make withdrawals regularly in round numbers

            ...the chances of PayPal freezing or limiting your account drop to near-zero. They never drop ALL THE WAY to zero, ever, because there's always a tiny risk of anything.

            The big disconnect with PayPal freezing and limiting accounts is that EVERYONE says "I did nothing wrong" when it's generally trivial to look at their sales page and see things that are blatantly against PayPal policies.

            A lot of people here say "hey, get into the debt and credit industries." Great idea! Lots of money in those industries. But don't take PayPal... because certain services in those industries are against PayPal's AUP, and you're probably unqualified to recognise them, and that's a huge risk.

            Similarly, a lot of people say "get into the forex niche!" - again, great idea, lots of money there. But before you take PayPal, you need written permission from compliance@paypal.com after they review your website AND a business summary.

            Not enough people are waving the right flags about their advice. People often say "hey, this is a hot niche" without bothering to point out that it's a hot niche because it's a legal minefield that you can be fined six figures and SENT TO PRISON for improperly promoting.

            And a shocking number of those people don't say it because they don't know it, but when they end up waist-deep in legal crap three months later, they're not posting on the forum about it and all their posts about this hot niche still look every bit as enthusiastic and encouraging.

            If they do show back up, they're unlikely to say "I was f!#king retarded and didn't do my due diligence" - they prefer to say "some jackhole sued me FOR NO GOOD REASON" or "PayPal froze my money for six months and I DIDN'T DO ANYTHING WRONG" because that's how people are.
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            • Profile picture of the author E. Brian Rose
              Originally Posted by CDarklock View Post


              What we're saying doesn't happen is PayPal freezing accounts arbitrarily - when people are following PayPal's terms of service, adhering to their Acceptable Use Policy, and avoiding actions that expose PayPal to sizeable risks.
              Yes, they do.

              I have never, ever, EVER seen anyone frozen or limited who wasn't doing one or more of the above. And the absolute top of the list on "exposing PayPal to sizeable risks" is yanking your money out into a bank account as quickly as possible.
              Then you aren't looking hard enough.

              Similarly, when you sign up for PayPal, you understand up-front that you aren't earning interest on your balance. That's what amounts to PayPal's balance-carrying fee. If you've got a problem with that, go get a "real" merchant account at a "real" bank.
              So, when somebody breaks the law and benefits from a marketer's loss, it you should just look the other way? Sorry, that's not how I roll.

              Furthermore, the acceptable use policy that you are quoting from has been deemed unconscionable by more than one court.
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  • Profile picture of the author Ben Gordon
    Trust me. Stick with PayPal. Every payment processor has something that's bad. PayPal is the best payment processor IMO. Take this from a guy who's handled 4 payment processors. Click n' Buy is terrible. Terrible support, while you make transfers, they create some kind of loop hole and take 20% fees, Money Bookers has terrible support and is apparently "scared of the law". If you're making big money, then MB is the exact opposite thing you need! They only let you transfer a certain amount of money per month... Alert Pay has it's bad too. I can go on and on, stick to PayPal. They're the most experienced and won't cause much problems, at least definitely less then other payment processors. Their fees may be a bit high, but overall, they are great. Great support, reasoning limits (transferring money), etc.

    This is my opinion about payment processors. Hope this helps you and anybody that wants to decide which payment processor they want to use.
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    • Profile picture of the author VanessaB
      Originally Posted by Ben Gordon View Post

      Trust me. Stick with PayPal. Every payment processor has something that's bad. PayPal is the best payment processor IMO. Take this from a guy who's handled 4 payment processors. Click n' Buy is terrible. Terrible support, while you make transfers, they create some kind of loop hole and take 20% fees, Money Bookers has terrible support and is apparently "scared of the law". If you're making big money, then MB is the exact opposite thing you need! They only let you transfer a certain amount of money per month... Alert Pay has it's bad too. I can go on and on, stick to PayPal. They're the most experienced and won't cause much problems, at least definitely less then other payment processors. Their fees may be a bit high, but overall, they are great. Great support, reasoning limits (transferring money), etc.

      This is my opinion about payment processors. Hope this helps you and anybody that wants to decide which payment processor they want to use.
      Trust Me. NEVER tie ALL your money to one payment processor or merchant account. Spread risk.

      -Dani
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      • Profile picture of the author Ben Gordon
        Originally Posted by DanielleS View Post

        Trust Me. NEVER tie ALL your money to one payment processor or merchant account. Spread risk.

        -Dani
        Who said I tie all my money in one payment processor? I transfer $1K to the bank when I have 1.5K in my payment processor. You could say I have no risk. PayPal is only risky when you have a lot of money on one payment processor, I wouldn't really recommend doing that, but PayPal won't bother you for $500... or even 2K... PayPal doesn't want law suits for such low amounts of money, they'd rather keep you as a lifetime client and collect money from fees, they're bound to make a lot more money that way, without facing legal consequences.
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        • Profile picture of the author VanessaB
          Originally Posted by Ben Gordon View Post

          Who said I tie all my money in one payment processor? I transfer $1K to the bank when I have 1.5K in my payment processor. You could say I have no risk. PayPal is only risky when you have a lot of money on one payment processor, I wouldn't really recommend doing that, but PayPal won't bother you for $500... or even 2K... PayPal doesn't want law suits for such low amounts of money, they'd rather keep you as a lifetime client and collect money from fees, they're bound to make a lot more money that way, without facing legal consequences.
          Ben, PayPal can freeze your account any time they want to, by claiming suspicion, violations of their TOS... have $1,500, transfer out $500... they freeze, and hold $1,000 of your money for up to 6 months.

          You don't have to look far to find the stories of those it has happened to.

          -Dani
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          • Profile picture of the author Ben Gordon
            Originally Posted by DanielleS View Post

            Ben, PayPal can freeze your account any time they want to, by claiming suspicion, violations of their TOS... have $1,500, transfer out $500... they freeze, and hold $1,000 of your money for up to 6 months.

            You don't have to look far to find the stories of those it has happened to.

            -Dani
            I actually transfer $1K... not $500... leaving $500 in PayPal. First off, $500 isn't too much for me, if it gets frozen with $500, I honestly don't give a s***. I'd complain and do what I can do get it back; but it wouldn't be the end of my life.

            Also, I've been a PayPal member for a few years now and had no problems with them. They also wouldn't freeze my account with $500 inside of it... not even 2K. I receive payments totaled to about $20,000 per month. I also do about 15 bank transfers per month, which also equals to a lot of fees. They gain those $500 each month from fees... they have no reason to limit my account when they're making that money each money, plus they won't have any trouble, if I do attempt to take legal action.

            Ben
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          • Profile picture of the author BeauJustin
            Originally Posted by DanielleS View Post

            Ben, PayPal can freeze your account any time they want to, by claiming suspicion, violations of their TOS... have $1,500, transfer out $500... they freeze, and hold $1,000 of your money for up to 6 months.

            You don't have to look far to find the stories of those it has happened to.

            -Dani
            It doesn't benefit Paypal to "claim" suspicious activity just for the sake of being able to freeze your account.

            They actually froze my account once and saved me a bundle. My computer had been compromised, and some crook tried to commit fraud on my account to the tune of $5,000.

            If Paypal had let the transaction happen it would have sucked it out of my bank account, and I would have had a very difficult time getting it back.

            Paypal sucks. It just happens to suck a whole less than most other options.

            I do hope this WikiPay thing turns out to be as good as it promises.
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            • Profile picture of the author VanessaB
              Originally Posted by BeauJustin View Post

              It doesn't benefit Paypal to "claim" suspicious activity just for the sake of being able to freeze your account.

              They actually froze my account once and saved me a bundle. My computer had been compromised, and some crook tried to commit fraud on my account to the tune of $5,000.

              If Paypal had let the transaction happen it would have sucked it out of my bank account, and I would have had a very difficult time getting it back.

              Paypal sucks. It just happens to suck a whole less than most other options.

              I do hope this WikiPay thing turns out to be as good as it promises.

              Whether or not it 'benefits' PayPal to freeze them remains to be seen.

              Yes, sometimes it can in fact, protect YOU.

              But mainly, they protect them.

              I completely understand the risks they harbor as a payment processor, and I don't blame them for managing that risk. However, the way they go about doing it may not actually even be 'legal' under U.S. Federal law.

              Any payment processor can and will freeze an account when they see their own risk skyrocketing.

              That's why it's prudent to spread that risk.

              -Dani
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        • Profile picture of the author creative producer
          Originally Posted by Ben Gordon View Post

          Who said I tie all my money in one payment processor? I transfer $1K to the bank when I have 1.5K in my payment processor. You could say I have no risk. PayPal is only risky when you have a lot of money on one payment processor, I wouldn't really recommend doing that, but PayPal won't bother you for $500... or even 2K... PayPal doesn't want law suits for such low amounts of money, they'd rather keep you as a lifetime client and collect money from fees, they're bound to make a lot more money that way, without facing legal consequences.
          With all due respect, Ben, though what you say makes logical business sense, this is not true in practice. I personally know of cases where Paypal has frozen accounts with zero complaints and $250 or less. There are many reasons Paypal may freeze/limit an account.

          My understanding is that they have a new program that is "sweeping the system" according to a new algorithm, flagging potentially troubling accounts. As a result, they are systematically limiting accounts in a way they have not done before. Beware.

          Diversification is a wise move for payment processors as well as for any financial vendors.

          -Creative Producer
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          "Better to have gotten off my behind and risk falling on my face, than never to have gotten off my behind at all!"-Carrie's Quote of the Moment
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      • Profile picture of the author CDarklock
        Originally Posted by DanielleS View Post

        NEVER tie ALL your money to one payment processor or merchant account.
        Dani, just out of curiosity, how many brick and mortar businesses have multiple merchant accounts in your experience and why do they have them?
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        "The Golden Town is the Golden Town no longer. They have sold their pillars for brass and their temples for money, they have made coins out of their golden doors. It is become a dark town full of trouble, there is no ease in its streets, beauty has left it and the old songs are gone." - Lord Dunsany, The Messengers
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  • Profile picture of the author Istvan Horvath
    PayPal makes $500 per month from fees from me... so they have no point in limiting me. They'd much rather have a lifetime customer who they can make a lot of money rather then getting some $500...
    You are repeating this as if you KNOW FOR SURE what paypal thinks and how they operate, based on what rationale.

    And why would I believe that your theory is more reliable than EBR's experience?
    Let's face it: it is just your own theory, not a documented fact.
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  • Profile picture of the author jt808
    Wow, there are so many payment processors out there, this looks like another good one.
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  • Profile picture of the author Istvan Horvath
    Aha... another googlecheckout = useless for non-US residents.
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  • Profile picture of the author nelaffiliate
    This looks interesting. I have never really been a great fan of Paypal because they restrict too many countries from using their services and it's so difficult to remove a restriction put on accounts.
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  • Profile picture of the author dagaul101
    It's a great idea for a competitor to Paypal, seems they have the monotony on online payments, a competitor will force them to lower some of their charges
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  • Profile picture of the author zachary0611
    How people have joined them so far?
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    • Profile picture of the author Jemvip
      WikiPay knows lots of folks want to do transactions in Canada but we are very limited on what we can do outside the US currently but we are working hard to find creative solutions. A quick fix in the interim is to have users/merchants who only have non-US banks to setup US-based bank accounts do their bank deposits and withdrawals into WikiPay using those. Again, it is not that we don't WANT to serve Canada and other markets, we very much do as those are underserved and highly lucrative markets, but we cannot from a regulatory standpoint right now...
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    • Profile picture of the author Jemvip
      Originally Posted by zachary0611 View Post

      How people have joined them so far?
      The are at least 3 users at this time...Only joking...
      This just in from WikiPay Corporate "We have several thousand users" "It has been a very short amount of time, we only launched our new site about 6 months ago. Also our relationships w Red Cross and Make a Wish Foundation are just ramping up so we haven't even scratched the surface from an adoption standpoint as we'll drive tons of traffic for charitable causes"
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      • Profile picture of the author E. Brian Rose
        Originally Posted by Jemvip View Post

        The are at least 3 users at this time...Only joking...
        This just in from WikiPay Corporate "We have several thousand users" "It has been a very short amount of time, we only launched our new site about 6 months ago. Also our relationships w Red Cross and Make a Wish Foundation are just ramping up so we haven't even scratched the surface from an adoption standpoint as we'll drive tons of traffic for charitable causes"
        Jemvip:

        Thanks for coming out and addressing questions about your service. I have a few customers asking about you, so I figured I would drop some of those questions here. Others will benefit by seeing your answers, as well.

        1. What types of limits will you be imposing on sellers that use your service? For example, will there come a time that you tell somebody, "Sorry, but you are processing too much"?

        2. What is your company policy on freezing accounts? Why would you do it? How long? As much info as you can give about this would be great.

        3. What types of limits on withdrawals do you have? How quickly and how often can we get our money?

        4. Can a non member make a purchase?

        5. Do you require credit checks? SS numbers?

        6. What type of integration do you currently offer? Will you allow programmers to go to town integrating with their systems? Will you work with programmers to assist in the development of enterprise sized projects?

        7. Do you like anchovies on your pizza?

        8. Are there any restrictions for people selling information products?

        9. Do you offer recurring billing? If so, what would be a reason to cancel a customers recurring billing?

        10. How many employees do you have? How many are in your customer support department? Do you outsource CS?

        Thanks again for your time,
        E Brian Rose
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        • Profile picture of the author Jemvip
          Originally Posted by E. Brian Rose View Post

          Jemvip:

          Thanks for coming out and addressing questions about your service. I have a few customers asking about you, so I figured I would drop some of those questions here. Others will benefit by seeing your answers, as well.

          1. What types of limits will you be imposing on sellers that use your service? For example, will there come a time that you tell somebody, "Sorry, but you are processing too much"?

          2. What is your company policy on freezing accounts? Why would you do it? How long? As much info as you can give about this would be great.

          3. What types of limits on withdrawals do you have? How quickly and how often can we get our money?

          4. Can a non member make a purchase?

          5. Do you require credit checks? SS numbers?

          6. What type of integration do you currently offer? Will you allow programmers to go to town integrating with their systems? Will you work with programmers to assist in the development of enterprise sized projects?

          7. Do you like anchovies on your pizza?

          8. Are there any restrictions for people selling information products?

          9. Do you offer recurring billing? If so, what would be a reason to cancel a customers recurring billing?

          10. How many employees do you have? How many are in your customer support department? Do you outsource CS?

          Thanks again for your time,
          E Brian Rose
          I'm sorry it took a while to get these questions answered, I had to step out for 3 hours...

          1. What types of limits will you be imposing on sellers that use your service? For example, will there come a time that you tell somebody, "Sorry, but you are processing too much"?

          There are currently no limits. That said, if there was a need to limit a user based on abuse or misuse (e.g., illegal or illicit activity) of our system, then certainly we would take some action. But I think both WikiPay and our processor are happy to have as many transactions going through our technically advanced mobile and online channels as possible, and we think customers would agree given how cheap, simple and effective it is to use.



          2. What is your company policy on freezing accounts? Why would you do it? How long? A much info about this would be great.
          Again, see above, we would work with our processors on a case-by-case basis if we felt there was something wrong being done to take advantage of our customers or our system parameters. To date we have not had to freeze any merchant accounts and only once did we notice some potentially harmful activity coming from outside the US from a user that might affect other users. In that case we first sent a clear warning message to the user to cease this activity and they did and closed their account on their own before the transaction could be completed. Again, our priority is the reliability and security of our system so if we see that our we or our users may be at risk, we would take every step necessary to protect them.

          3. What types of limits on withdrawals do you have? How quickly and how often can we get our money?
          It is hard to tell if these questions are being asked from a customer perspective or merchant...again I look to our affiliates to help filter these. The answer in either case would be:
          For merchants - you can setup to withdraw or "sweep" from the WikiPay system ad-hoc or on a specified basis (e.g., once a week...month...). For both merchants and users, withdrawals from the WikiPay system into a bank account typically take 36-48 hours but could be longer/shorter depending on the bank and nature/amount of the withdrawal. Again, this is not atypical of any ACH transaction and in fact we are faster than most any competitor given the way we have setup our system, and once we establish a trustworthy rapport with customers we can even enable them to do things even more efficiently.



          4. Can a non member make a purchase?
          No, you have to be a WikiPay registered member to make a purchase from a merchant. You could in theory never load a single dollar into your WikiPay account from a bank (i.e., only use credit card processing), but you still have to register, otherwise we wouldn't know who that customer is and neither would the merchant (again KYC protocol is very important to us). Plus, most of the benefit from a fee and efficiency standpoint comes from the fact that users load money from their bank into WikiPay (via ACH) and then can much more seamlessly make transactions using our online or mobile solutions without resorting to the higher fees of card processing - thus why we advocate that even though ALL our fees are cheaper than PayPals (including our processing) our WikiPay fees are best-in-class by a large margin and thus hope that most merchants pull customers to use those services which are FREE to them.

          5. Do you require credit checks? SS numbers?
          Not sure what they mean by credit checks...for merchants or for consumers? We go through typical identity verification processes (using IDology) to verify that a user is not falsifying information which could hurt our merchants and us, but we also want to balance that by also making registration and verification easy enough so that people do not find this a cumbersome process compared to other options. Our relationship with IDology helps us maintain that balance. If a user enters some wrong information about their identity, one of the IDology questions is the last 4 digits of your social security # but we never ask for, nor do we keep a record in-house of, any user's social security # or other potentially sensitive information.

          6. What type of integration do you currently offer? Will you allow programmers to go to town integrating with their systems? Will you work with programmers to assist in the development of enterprise sized projects?
          We currently offer pretty straightforward API integration with our partners on our website. We would consider, on a case-by-case basis depending on the type and complexity of the integration, whether or not we would work with programmers in developing more sophisticated integration but would want to hear what the size/scope and benefit of such development would be. As an example, the Red Cross asked us and we complied that we could provide them with some very sophisticated integration to do real-time donations at celebrity gifting events which could be done via mobile phone and streamed LIVE to an LCD screen at an award ceremony. Clearly this requires a ton more work and may need to adjust our fees/processes for such integrations, but if we were presented with such creative solutions in advance then we could consider them and do what is best in each instance. As long as these requests were themselves serious and earnest in their valuable and lawful purpose we would of course take each case seriously.

          7. Do you like anchovies on your pizza?
          No

          8. Are there any restrictions for people selling information products?
          Like what? We would not want merchants soliciting information from or spamming users with unsolicited information as our opt-out/in policy is very clear about this. That said if the information products would benefit consumers we would see no reason why they couldn't be sold using WikiPay (e.g., news, weather, horoscopes...etc. etc.)


          9. Do you offer recurring billing? If so, what would be a reason to cancel a customers recurring billing?
          We are developing the capabilities for recurring billing and that should be available by the end of this month. We see that many merchants and customers alike wish to have this kind of functionality to be able to automatically debit from their bank accounts into WikiPay (users) or bill and complete a transaction on a recurring basis using WikiPay (merchants), so we are addressing this. We would leave the decision to cancel a recurring billing to the customer and merchant to figure out as we would want to have some documentation or authorizations from in place to ensure both sides agree on such a transaction. Imagine a scenario where bills were being monthly, WikiPay would not be held responsible if those payments between the payer and payee were not consummated (e.g., insufficient funds in the account), so even though our technology would be tailored such that we could manage the automatic billings, we would not ourselves be liable for the actual payments - we just complete the transactions determined between the two parties.


          10. How many employees do you have? How many are in your customer support department? Do you outsource CS?
          We have the requisite # of employees to manage the scale of our current business with great efficiency. We have an in-house and dedicated support team to manage customer support requests in a timely fashion and have not outsourced these functions.
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          • Profile picture of the author tecHead
            Originally Posted by Jemvip View Post

            I'm sorry it took a while to get these questions answered, I had to step out for 3 hours...

            1. What types of limits will you be imposing on sellers that use your service? For example, will there come a time that you tell somebody, "Sorry, but you are processing too much"?

            There are currently no limits. That said, if there was a need to limit a user based on abuse or misuse (e.g., illegal or illicit activity) of our system, then certainly we would take some action. But I think both WikiPay and our processor are happy to have as many transactions going through our technically advanced mobile and online channels as possible, and we think customers would agree given how cheap, simple and effective it is to use.



            2. What is your company policy on freezing accounts? Why would you do it? How long? A much info about this would be great.
            Again, see above, we would work with our processors on a case-by-case basis if we felt there was something wrong being done to take advantage of our customers or our system parameters. To date we have not had to freeze any merchant accounts and only once did we notice some potentially harmful activity coming from outside the US from a user that might affect other users. In that case we first sent a clear warning message to the user to cease this activity and they did and closed their account on their own before the transaction could be completed. Again, our priority is the reliability and security of our system so if we see that our we or our users may be at risk, we would take every step necessary to protect them.

            3. What types of limits on withdrawals do you have? How quickly and how often can we get our money?
            It is hard to tell if these questions are being asked from a customer perspective or merchant...again I look to our affiliates to help filter these. The answer in either case would be:
            For merchants - you can setup to withdraw or "sweep" from the WikiPay system ad-hoc or on a specified basis (e.g., once a week...month...). For both merchants and users, withdrawals from the WikiPay system into a bank account typically take 36-48 hours but could be longer/shorter depending on the bank and nature/amount of the withdrawal. Again, this is not atypical of any ACH transaction and in fact we are faster than most any competitor given the way we have setup our system, and once we establish a trustworthy rapport with customers we can even enable them to do things even more efficiently.



            4. Can a non member make a purchase?
            No, you have to be a WikiPay registered member to make a purchase from a merchant. You could in theory never load a single dollar into your WikiPay account from a bank (i.e., only use credit card processing), but you still have to register, otherwise we wouldn't know who that customer is and neither would the merchant (again KYC protocol is very important to us). Plus, most of the benefit from a fee and efficiency standpoint comes from the fact that users load money from their bank into WikiPay (via ACH) and then can much more seamlessly make transactions using our online or mobile solutions without resorting to the higher fees of card processing - thus why we advocate that even though ALL our fees are cheaper than PayPals (including our processing) our WikiPay fees are best-in-class by a large margin and thus hope that most merchants pull customers to use those services which are FREE to them.

            5. Do you require credit checks? SS numbers?
            Not sure what they mean by credit checks...for merchants or for consumers? We go through typical identity verification processes (using IDology) to verify that a user is not falsifying information which could hurt our merchants and us, but we also want to balance that by also making registration and verification easy enough so that people do not find this a cumbersome process compared to other options. Our relationship with IDology helps us maintain that balance. If a user enters some wrong information about their identity, one of the IDology questions is the last 4 digits of your social security # but we never ask for, nor do we keep a record in-house of, any user's social security # or other potentially sensitive information.

            6. What type of integration do you currently offer? Will you allow programmers to go to town integrating with their systems? Will you work with programmers to assist in the development of enterprise sized projects?
            We currently offer pretty straightforward API integration with our partners on our website. We would consider, on a case-by-case basis depending on the type and complexity of the integration, whether or not we would work with programmers in developing more sophisticated integration but would want to hear what the size/scope and benefit of such development would be. As an example, the Red Cross asked us and we complied that we could provide them with some very sophisticated integration to do real-time donations at celebrity gifting events which could be done via mobile phone and streamed LIVE to an LCD screen at an award ceremony. Clearly this requires a ton more work and may need to adjust our fees/processes for such integrations, but if we were presented with such creative solutions in advance then we could consider them and do what is best in each instance. As long as these requests were themselves serious and earnest in their valuable and lawful purpose we would of course take each case seriously.

            7. Do you like anchovies on your pizza?
            No

            8. Are there any restrictions for people selling information products?
            Like what? We would not want merchants soliciting information from or spamming users with unsolicited information as our opt-out/in policy is very clear about this. That said if the information products would benefit consumers we would see no reason why they couldn't be sold using WikiPay (e.g., news, weather, horoscopes...etc. etc.)


            9. Do you offer recurring billing? If so, what would be a reason to cancel a customers recurring billing?
            We are developing the capabilities for recurring billing and that should be available by the end of this month. We see that many merchants and customers alike wish to have this kind of functionality to be able to automatically debit from their bank accounts into WikiPay (users) or bill and complete a transaction on a recurring basis using WikiPay (merchants), so we are addressing this. We would leave the decision to cancel a recurring billing to the customer and merchant to figure out as we would want to have some documentation or authorizations from in place to ensure both sides agree on such a transaction. Imagine a scenario where bills were being monthly, WikiPay would not be held responsible if those payments between the payer and payee were not consummated (e.g., insufficient funds in the account), so even though our technology would be tailored such that we could manage the automatic billings, we would not ourselves be liable for the actual payments - we just complete the transactions determined between the two parties.


            10. How many employees do you have? How many are in your customer support department? Do you outsource CS?
            We have the requisite # of employees to manage the scale of our current business with great efficiency. We have an in-house and dedicated support team to manage customer support requests in a timely fashion and have not outsourced these functions.
            The following questions are asked specifically from a Merchant's standpoint..

            11. What's your refund policy?

            12. What is your risk assessment model and what level(s) of risk are you willing to take and/or not take.

            13. With what banking institution(s) are you aligned?

            14. In what jurisdiction does your processing bank operate?

            Thank you
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  • Profile picture of the author Cam Connor
    Originally Posted by RussRuffino View Post

    Hey guys,

    Has anyone seen/used this site www.wikipay.com? It looks really interesting and their fees seem to be much lower than PayPal's. With a verified biz account you can take credit cards and it also allows you to send money via text message (which sounds pretty cool). Has anyone used this site, or does anyone know anything about it?

    I'm speaking to one of their reps tomorrow to find out if it's a viable alternative to PayPal, but I thought I'd ask if anyone's tried it out yet.

    Russ

    Kind of strange... that's not really what a "wiki" is... unless they're somehow related to "Wikipedia"... though, it would be nice if PayPal had a decent competitor, as we all know AlertPay doesn't hold a candle to it.
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  • Profile picture of the author williamrs
    I'm also looking for Paypal alternatives (although I haven't faced any problems with them... yet ). It seems that WikiPay still isn't a very good alternative for businesses outside the US, so this isn't a payment processor that I would use.

    IMO, after Paypal, AlertPay seems to be the best option for international businesses. I've contacted them recently and the only negative aspect in comparison with Paypal seems to be the fact that they don't offer bank transfers for my country (Brazil), only wire transfers. Of course, there can be other things, but I think I'll give them a shot.


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  • Profile picture of the author AG Hohwald
    [DELETED]
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    • Profile picture of the author CDarklock
      Originally Posted by AG Hohwald View Post

      At least, it says that to me until I go to sign up and it asks me to apply for a merchant account.
      That's to accept credit cards. There's no application to accept payment from other WikiPay users. Of course, if you can't take credit cards and you can't take PayPal, you can't sell squat.

      Originally Posted by Jemvip View Post

      That said if the information products would benefit consumers we would see no reason why they couldn't be sold using WikiPay (e.g., news, weather, horoscopes...etc. etc.)
      It is rather disturbing to me that you don't seem to understand this industry at all.

      We have the requisite # of employees to manage the scale of our current business with great efficiency.
      Translation: "not telling." Also not a great driver of confidence.
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    • Profile picture of the author Jemvip
      Originally Posted by AG Hohwald View Post

      When I go to Google to look you up, I see written, cheerfully and with exclamation point: "No more merchants!"

      Which says to me, and forgive me if I'm viewing this wrong, "We're a true Paypal alternative in that, like Paypal, we won't hassle you to set up a merchant account. Just sign up, link your bank account, and start taking payments."

      At least, it says that to me until I go to sign up and it asks me to apply for a merchant account.

      What gives? Am I misreading this, or is this just blatantly misleading?
      yes, while we are much more merchant friendly, much cheaper, and certainly much less of a headache, no merchant can just automatically start accepting credit card payments without signing up for a merchant account. Even if they just wanted to accept WikiPay payments (no credit cards) they'd still need to register to be able to identify themselves to prospective users as a merchant so transactions to be made. Not only is this not uncommon, it is a necessary practice to be able to properly work across these two groups.
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  • Profile picture of the author simonbuzz
    Banned
    I am really happy with it cause I hate PayPal
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  • Profile picture of the author Bruce NewMedia
    To JemVIP: can you also explain about the "WIKI COURT"??...and is there some wiki version of Judge Judy?....all bad jokes aside though, I would like to understand what the "WIKI COURT" is...thanks.
    _____
    Bruce
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  • Profile picture of the author WebPen
    Maybe I'll have to give this a shot- I haven't had many issues with Paypal, but I know a lot of guys have.
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  • Profile picture of the author quiescen
    I have a subscription set up with paypal. Do you offer this and if so, do people need to sign up for an account with your site first (hope not!)

    Also, do you have a script for recurring payments?
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  • Profile picture of the author brocktoon93
    I am sick of paypal. Always take the side of the buyer, no matter what. I gave a marketing service to someone for 4 months. At the end, they asked paypal for their money back. I disputed it. I lost. They got their money back and I got a limited account along with Ebay limiting me, which may be due to paypal too. For buyers, its great, but as a seller, i wish i had something new. I also had subscription payments just stop for no reason. The buyer said they didnt stop it. Just tired of paypal.
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  • Profile picture of the author Derek S
    First red flag I get is this "Jemvip" fella consistently insisting you use his AFFILIATE code for just simple things like having your answers answered. Heck I could say I AM an official WikiPay rep and tell you how great it is and offer to help you when you enter MY affiliate code.

    Second red flag is a company that charges YOU when potential customers fail to transfer money to THEIR service. This is a fee WikiPay should suck up as WE are the ones bringing in and expanding their user base... That brings me to red flag #3

    This will without a doubt lower your conversions seeing as potential customers MUST first join wiki pay... THEN transfer money to their wikipay account all before they can even order your product. That is three serious bottlenecks that I guarantee will cut your conversions by 95%. Right now PayPal makes being a member an option to pay and not mandatory.

    Pass on this one, for now at least. Best thing you can do if you are serious is get your own merchant account.

    Also would love to see what the checkout process for WikiPay looks like.
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    • Profile picture of the author Jemvip
      Originally Posted by Derek S View Post

      First red flag I get is this "Jemvip" fella consistently insisting you use his AFFILIATE code for just simple things like having your answers answered. Heck I could say I AM an official WikiPay rep and tell you how great it is and offer to help you when you enter MY affiliate code.

      Second red flag is a company that charges YOU when potential customers fail to transfer money to THEIR service. This is a fee WikiPay should suck up as WE are the ones bringing in and expanding their user base... That brings me to red flag #3

      This will without a doubt lower your conversions seeing as potential customers MUST first join wiki pay... THEN transfer money to their wikipay account all before they can even order your product. That is three serious bottlenecks that I guarantee will cut your conversions by 95%. Right now PayPal makes being a member an option to pay and not mandatory.

      Pass on this one, for now at least. Best thing you can do if you are serious is get your own merchant account.

      Also would love to see what the checkout process for WikiPay looks like.
      1. It looks like you may have missed several posts.
      We're asking you to use VIP as your Affiliate Code so we can let the seriously interested people in the Warrior Forum know via the mobile number & email they use to sign up to WikiPay with about a private conference call or webinar we will hold so they can get any questions not answered, answered. We've already had one 30 min call with Russ, plus several Skype calls & many emails.

      2. This should make it clear. It is in the loading from one's bank that the the charge occurs. This is the same as if you went to the store, and make a purchase with insufficient funds in the bank...

      Overdraft charges how and when do they apply - "any request for payment or ACH debit is returned for insufficient funds, or any other reason". Is this typically associated with loading funds? - Yes. Can a WikiPay user send a payment for more than they have in available funds? - No. When they text payment doesn't the system automatically stop them from sending more than the amount available? - Yes. Doesn't the act of texting payment instantly freeze funds and make transfer WikiPay to WikiPay account? - Yes.

      3. You do have to register with WikiPay one time with the most basic info (a 1 min process) you only have to load funds if you want to pay with your WikiPay balance, not if you're using a CC or DC, this you can do immediately.
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  • Profile picture of the author Joseph Robinson
    Banned
    Yeah, after reading the rest of this thread I'll be staying away from Wikipay. Everyone will have to register just to pay me? There goes any hope of conversions at all. No thank you. Paypal sucks from time to time, this much can't be argued. However, they are number one for a reason.
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    • Profile picture of the author E. Brian Rose
      Originally Posted by Joe128139 View Post

      Yeah, after reading the rest of this thread I'll be staying away from Wikipay. Everyone will have to register just to pay me? There goes any hope of conversions at all. No thank you. Paypal sucks from time to time, this much can't be argued. However, they are number one for a reason.
      Technically, anybody that pays you via PayPal has to be a paypal member too. When they make a payment to you, their account is automatically created, if they don't already have one. Perhaps that is what he meant by his response.
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      • Profile picture of the author Istvan Horvath
        Originally Posted by E. Brian Rose View Post

        Technically, anybody that pays you via PayPal has to be a paypal member too. When they make a payment to you, their account is automatically created, if they don't already have one. Perhaps that is what he meant by his response.
        Isn't there an option to pay with credit card for those that don't have an account? I thought there was... (in PayPal)
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        • Profile picture of the author Jake Gray
          Originally Posted by Istvan Horvath View Post

          Isn't there an option to pay with credit card for those that don't have an account? I thought there was... (in PayPal)
          There was.

          They later changed it to where you need an account in order
          to purchase an item through PayPal (I guess the rep said it had
          something to do with chargebacks). You aren't going crazy. :p
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        • Profile picture of the author Why9999
          Originally Posted by Istvan Horvath View Post

          Isn't there an option to pay with credit card for those that don't have an account? I thought there was... (in PayPal)
          Yes, this is true. Paypal also allows you to get payments from all over the planet - I just got paid from someone in Lithuania - with significant ease. If this applies, you'd want to check all of this out with alternative vendors as well...
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      • Profile picture of the author Coby
        Originally Posted by E. Brian Rose View Post

        Technically, anybody that pays you via PayPal has to be a paypal member too. When they make a payment to you, their account is automatically created, if they don't already have one. Perhaps that is what he meant by his response.
        Hey EBR....

        Little correction here... PayPal GIVES non-members the chance to become members automatically BUT DOES NOT automatically create their account...

        To test this simply purchase one of your own products (that use PayPal) and use an email/credit card not linked to a PayPal account and pay as a "non-member" and you will see what I mean...

        This is how people buy our 100% commission WSOs through their own link... (yeah guys, its obvious when you have one hop one sale...)

        Cheers,
        Coby
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        • Profile picture of the author E. Brian Rose
          Originally Posted by Coby View Post

          Hey EBR....

          Little correction here... PayPal GIVES non-members the chance to become members automatically BUT DOES NOT automatically create their account...

          To test this simple purchase one of your own products (that use PayPal) and use an email/credit card not linked to a PayPal account and pay as a "non-member" and you will see what I mean...

          This is how people buy our 100% commission WSOs through their own link... (yeah guys, its obvious when you have one hop one sale...)

          Cheers,
          Coby
          So, you are saying for the first time since 1979 that I am wrong about something? Oh well, it was a darn good run.
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          • Profile picture of the author Coby
            Originally Posted by E. Brian Rose View Post

            So, you are saying for the first time since 1979 that I am wrong about something? Oh well, it was a darn good run.
            Yes, EBR... It was a very good run

            I won't tell Guiness Though, lol.

            See ya at the workshop on the 14th with Mike...

            Cheers,
            Coby

            **edit**

            Originally Posted by Jake Gray View Post

            There was.

            They later changed it to where you need an account in order
            to purchase an item through PayPal (I guess the rep said it had
            something to do with chargebacks). You aren't going crazy. :p
            Maybe I was wrong EBR? Jake says they changed it??
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  • Profile picture of the author VegasVince
    Originally Posted by RussRuffino View Post

    Hey guys,

    Has anyone seen/used this site www.wikipay.com? It looks really interesting and their fees seem to be much lower than PayPal's. With a verified biz account you can take credit cards and it also allows you to send money via text message (which sounds pretty cool). Has anyone used this site, or does anyone know anything about it?

    I'm speaking to one of their reps tomorrow to find out if it's a viable alternative to PayPal, but I thought I'd ask if anyone's tried it out yet.

    Russ

    Russ I am familiar with u from a James J Jones webinar which was fantastic by the way.....and for 3 years I've been preaching that honest marketers get their Pay Pal accounts frozen....for any reason Pay Pal chooses. And even after 180 days....the marketer who did nothing wrong gets his money back....but not one cent of interest......

    Was wondering if a guy like you.....who is decent or James wouldn't have had you on to begin with....had issues with Pay Pal......just compiling a long list of good marketers screwed.......as once upon a time I was told it was just the crooks they shut down and froze.

    Continued success..and thanks for the vine.



    peace, Vegas Vince
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    • Profile picture of the author RussRuffino
      Originally Posted by VegasVince View Post

      Russ I am familiar with u from a James J Jones webinar which was fantastic by the way.....and for 3 years I've been preaching that honest marketers get their Pay Pal accounts frozen....for any reason Pay Pal chooses. And even after 180 days....the marketer who did nothing wrong gets his money back....but not one cent of interest......

      Was wondering if a guy like you.....who is decent or James wouldn't have had you on to begin with....had issues with Pay Pal......just compiling a long list of good marketers screwed.......as once upon a time I was told it was just the crooks they shut down and froze.

      Continued success..and thanks for the vine.



      peace, Vegas Vince
      PM sent with the details! If anyone else wants to know the story of my personal experiences with the dreaded PayPal, there's a huge post about it on my blog (use the link in my sig). :-)

      Russ
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  • Profile picture of the author Candela
    Originally Posted by RussRuffino View Post

    Hey guys,

    Has anyone seen/used this site www.wikipay.com? It looks really interesting and their fees seem to be much lower than PayPal's. With a verified biz account you can take credit cards and it also allows you to send money via text message (which sounds pretty cool). Has anyone used this site, or does anyone know anything about it?

    I'm speaking to one of their reps tomorrow to find out if it's a viable alternative to PayPal, but I thought I'd ask if anyone's tried it out yet.

    Russ
    Would be great to see someone compete with them especially if it catches on and becomes popular. That could possibly put pressure on paypal to change some of their less user friendly policies.
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  • Profile picture of the author ehawkmarketer
    In any industry there are early adapters. Since I have not read about this company on any of the tech sites, I assume its still to early to tell.

    So, if you guys start using it today, you will be the early adapters. You may deal with bugs and all sorts of things.
    I however, am more comfortable with waiting 1 or 2 months for critical reviews. Makes sense?
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  • Profile picture of the author NWJewelry
    Is google checkout a solid alternative or not really?
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  • Profile picture of the author mahesh2k
    Paypal is pretty much restricted in asia and africa. So surely wikipay and other payment processors are going to benefit from this shortcoming. If wikipay gets boost from marketers for product purchase then surely this will lower paypal priority. I would like to see this one day because tired of merchant account fees. Besides i can't accept money from people in my own country using paypal. So i'm going to monitor wikipay.
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  • Profile picture of the author tecHead
    Jemvip,

    I'm assuming you're either not in an authorized position to answer my questions OR you're just simply avoiding them?

    The following questions are asked specifically from a Merchant's standpoint..

    11. What's your refund policy?

    12. What is your risk assessment model and what level(s) of risk are you willing to take and/or not take.

    13. With what banking institution(s) are you aligned?

    14. In what jurisdiction does your processing bank operate?

    Thank you
    tecHead
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    • Profile picture of the author Jemvip
      Originally Posted by tecHead View Post

      Jemvip,

      I'm assuming you're either not in an authorized position to answer my questions OR you're just simply avoiding them?

      The following questions are asked specifically from a Merchant's standpoint..

      11. What's your refund policy?

      12. What is your risk assessment model and what level(s) of risk are you willing to take and/or not take.

      13. With what banking institution(s) are you aligned?

      14. In what jurisdiction does your processing bank operate?

      Thank you
      tecHead
      Not avoiding the questions, just you. lol. I also have other things to than monitor this blog 24/7...

      Some of the questions below are also answered in our Merchant Services Agreement which I would refer WF bloggers to as well. This can be found on our website under Biz Solutions. The most important excerpt in the document which states our limits our liability and indemnifies us (general risk documentation) per some of the risk questions raised below is as follows:
      THE WIKIPAY WEBSITE AND WIKIPAY PLATFORM INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS". WIKIPAY AND/OR ITS SUPPLIERS, DISCLAIM ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING THERETO, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT.
      USE OF THE WIKIPAY WEBSITE AND/OR THE WIKIPAY PLATFORM IS AT EACH USERS' OWN RISK, INCLUDING RISKS INHERENT IN COMPUTER USAGE SUCH AS VIRUSES. WIKIPAY AND/OR ITS SUPPLIERS AND PROVIDERS ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE DELAY, USE OR THE INABILITY TO USE THE WEBSITE AND/OR WIKIPAY′S SERVICES.


      11. What's your refund policy?
      WikiPay does not manage refunds between merchants and users - they will allow them to manage this process personally. If however, there is an issue arising from a specific problem with using WikiPay's system, then we will take efforts to rectify them as necessary.

      12. What is your risk assessment model and what level(s) of risk are you willing to take and/or not take.
      Per my previous post - we want to work with reputable merchants who are providing legitimate services and are willing to review specific instances on a case-by-case basis.

      13. With what banking institution(s) are you aligned?
      We currently have banking relationships with Bank of America and Wells Fargo bank in the US.

      14. In what jurisdiction does your processing bank operate?
      We have a US based payment processor who processes through Bancorp Bank to do payment processing. According to their policy each originator of ACH transactions (e.g., merchants) is expected to know and follow the rules as determined by NACHA (National Automated Clearing House Association).
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      • Profile picture of the author azmanar
        Hi Jemvip,

        Mobile Payments are part and parcel of consumer life in my part of the world. But it stays inside the country. No international transaction.

        So the acceptance level and infrastructure are ready here. Mobile phone numbers are like IDs hooked up with banks and others.

        I can see many Canadian warriors pushing you quite hard to bring WikiPay services into Canada.

        Please consider placing Malaysia and Singapore in the WikiPay biz map as well.
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        • Profile picture of the author Jemvip
          Originally Posted by azmanar View Post

          Hi Jemvip,

          Mobile Payments are part and parcel of consumer life in my part of the world. But it stays inside the country. No international transaction.

          So the acceptance level and infrastructure are ready here. Mobile phone numbers are like IDs hooked up with banks and others.

          I can see many Canadian warriors pushing you quite hard to bring WikiPay services into Canada.

          Please consider placing Malaysia and Singapore in the WikiPay biz map as well.
          Hello azmanar, thank you for your post.
          We're working on international payments using WikiPay, we would love to be in Malaysia, Singapore and Canada, please stay tuned for further details.
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  • Profile picture of the author Amrutg
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    • Profile picture of the author Zanti
      Originally Posted by Amrutg View Post

      In spite of lot of complaints and grudges against paypal, there seems to be no competitor to it. It has got universal acceptability, and many prefer to make payment through paypal only, what to do in such circumstances ?

      I agree with ^^^ this. Over the years the majority of my customers have paid via paypal. Thus the dilemma; having a payment option for merchants that allows paypal and credit card use by customers that is user friendly, plus IM friendly for merchants.

      My understanding is that with 2CO, Pilmus and authorize.net (with a merchant account) merchants can receive paypal or CC payments.

      I recently purchased something through 2CO and found the process not as user friendly as I would like. I don't know if it was how the vendor set-up their page or just how 2CO works.

      I think I've read and subscribed to every thread on alternatives to paypal and still not sure which direction to go in just yet but I'm getting close.

      My main concern is something that is paypal and credit card user friendly (I find paypal to be such for customers) and also IM supportive.

      I don't know if Wiki Pay is the answer to part of the issue or not, but I appreciate the informative discussion being carried on here.

      The search continues for the elusive "PayPal Alternative."

      Brian
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  • Profile picture of the author TheKeys
    It sounds very nice. I'm not a fan of paypal and any merchant that has the ability to integrate phone options sounds good in my books.
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    • Profile picture of the author Jemvip
      Hello Warriors, Jeremy Green here, I'm an Agent at WikiPay. We really do appreciate all your posts/comments and we’re looking forward to working with many of you in the near future. We understand your skepticism it's to be expected, we ask you to please just keep an open mind. We're very interested in your input as many of you have years of experience in marketing online and we know we can learn from you to better serve you and your business’s.

      This thread all started after I posted about WikiPay on Russ Ruffino’s blog a few weeks ago prompting Russ to start this invaluable Hot! Thread on the WF.

      You can find a direct link to the WikiPay sign up page under "Visit Jemvip's homepage!" on the drop down on my WF user name. We only ask that you use "vip" as your Affiliate Code so we can better serve you and your Business’s, it basically gives you your own personal customer service guy inside WikiPay, Me. I have the ability to get any questions answered, any problems worked out, bring any new ideas you guys have to WikiPay management as quickly as possible.

      WikiPay is planning to hold a conference call for all WF members who've signed up using "vip" to answer any unanswered questions, take suggestions on things you would like to see WikiPay do, and not do. We will contact you via the email address & mobile number you signed up to WikiPay with. If you've signed up without an Affiliate Code you can if you like assign one now under "Account Manager" when you log in to your WikiPay account.

      Please stay tuned for further details...

      All the best,
      Jeremy…
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  • Profile picture of the author Mary Wilhite
    Thanks for the information,will surely check out ,please keep us posted.
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  • Profile picture of the author Jemvip
    I hope this helps answer some of the questions you may have re WikiPay?

    WIKIPAY, LLC
    MERCHANT SERVICES AGREEMENT
    www.wikipay.com/prepro/vip


    I. Intro d uct i o n.
    All persons who use WikiPay Gateway Services and WikiBlast are subject to the
    following terms and obligations. In this Merchant Services Agreement (the “Agreement”), you
    MUST BE 18 YEARS OF AGE and agree that the transactions using WikiPay Merchant
    Services (“Services”) shall be subject to these Terms and Conditions of Use. Further, you agree
    that the administrative contact for any Services provided to you will act as your agent with full
    authority to modify your Services in any way.
    WikiPay offers two types of Merchant Services under this agreement: 1) Gateway
    Services, AND 2) WikiBlast. A description of WikiPay’s Merchant Services is located at
    https://www.wikipay.com/home/bizsolution. WikiPay shall have the right at any time to change
    or discontinue any aspect or feature of the Merchant Services, and the right to modify the terms
    and conditions applicable to users of the WikiPay Merchant Services. Such changes,
    modifications, additions or deletions will not affect Merchant accounts and shall be effective
    within seven (7) days upon posting on its website, but any change in charges or fees shall apply
    only to transactions made after the effective date of the change.
    II. W i k iP ay Pl at f o r m a n d Merchant Serv i ce s.
    WikiPay has developed a user-friendly Merchant Services platform that provides
    marketing and payment processing services. As such, we offer our platform to send email and
    text message marketing, as well as a payment processing option, which allows Merchants to
    receive payment for goods and services.
    De s cr i p ti on of Func ti on s.
    1) W i k i P ay Pa y m e nt P roce ssi ng. WikiPay allows Merchant customers to
    purchase goods and/or services by using a WikiPay payment widget (located
    at: https://www.wikipay.com/merchantbuttons/) on a website or by
    responding to an email or text message. Merchant customers may choose
    different payment options: 1) Use funds transferred to WikiPay via ACH, 2)
    Use a Debit Card, or 3) Use a Credit Card.
    2) W i k i B l a st. WikiPay allows Merchants to build their own marketing
    campaigns by using a customizable dashboard located at
    https://www.wikipay.com/campaign/. Merchant customers may respond
    to email or text marketing campaigns to initiate purchases.
    WikiPay has implemented full security protocols to maintain the security of transactions.
    Transmissions of Merchant transactions are encrypted and are protected by a firewall. WikiPay’s
    back-end security systems include two redundant SAS 70 Type II certified servers that are
    located at a protected facility. WikiPay cannot guarantee the security of the Services orTransaction data, and will not be responsible for any breach so long as WikiPay has used
    commercially reasonable efforts to prevent the breach.
    III. W i k iP ay F ees a nd Ch arge s.
    Merchant Serv i ce s. A Merchant may receive 30 free transactions per month from Users
    of the WikiPay platform that have cleared funds in their account. Merchants will pay 1.75% +
    $0.20 to 2.75% + $0.20 per transaction if a debit or credit card is used.
    W i k i B l a st
    T

    M
    Mob il e Marke ti ng. A Merchant pays a recurring $9.95/mo. service charge.
    Then, a Merchant ONLY pays when a sale is made: if an item or service is purchased for $10 or
    less, the fee is 10% per transaction, and if an item or service is purchased for over $10 the fee is
    $1 per transaction.
    NS F Fe e. If any electronic request for payment or ACH debit is returned unsatisfied
    because of insufficient funds or for any other reason, the User will be charged a returned
    payment fee (“NSF fee”) of $20. This fee will be imposed for each attempt to collect a payment
    that is returned unsatisfied. The NSF fee will be retained by WikiPay to cover the costs
    associated with the returned payment.
    IV. Privacy.
    Pr i va cy. Our privacy statement is located on our Website at:
    https://www.wikipay.com/data/pdfdocs/privacy.pdf and is incorporated herein by reference.
    V. Merchant Obligations.
    E s t ab li s h i ng, h o s ti ng and m ai n t a i n i ng it s w e b sit e. It is solely the responsibility of the
    Merchant to establish, host and maintain its website(s), fulfill orders for products and services
    sold on its website(s), supply secure transmission of data to the WikiPay servers, and ensure that
    all data is accurate and not corrupted when transmitted to the Merchant’s systems. The Merchant
    is obligated to report any suspected unauthorized activity in a timely manner (within three (3)
    days).
    E s t ab li s h i ng and m a i n t a i n i ng a co m m e rc ial bank i ng re l a ti on s h i p. The merchant is
    obligated to establish and maintain a commercial banking relationship with one or more
    commercial bank, and the Merchant and commercial bank will determine the terms of such
    relationship..
    Keep i ng l og i n n am e and p a ssw ord conf i den ti a l. It is the responsibility of the Merchant to
    keep their unique login name and password confidential and ensure that any unauthorized or
    suspected unauthorized use be reported to WikiPay immediately. The Merchant is responsible
    for maintaining the security of the password (including changing the password on a regular
    basis) and to ensure that the password is reasonably strong.
    2 Mai ntai ning the Security and Integrity of Services. It is the responsibility of the
    Merchant to use commercially reasonable business practices and security while using WikiPay
    Merchant Services throughout the process of collecting, storing, and transmitting its customer
    data. Merchants will comply with WikiPay’s requests to maintain the security and integrity of
    the Services.
    Ma i n t a i n i ng U p- t o - Da t e Sof t ware. It is the responsibility of the Merchant to update to
    the most recent version of WikiPay software, patches and security updates.
    Us e Limit ed t o W i k i P a y ’ s In t ended Purpo se. Merchants agree to use the WikiPay
    Merchant Services only for the purposes for which they were intended as outlined in this
    Agreement. No other use is authorized. Merchants further agree that they will not use the
    WikiPay website or other WikiPay platforms in any unlawful manner or in any other manner that
    could damage, disable, overburden or impair the website or platforms.
    VI. C o n sent to E l ectron i c C o mm u n i cat i ons.
    El ec t ro n i c Co m m u n i c a ti on s. WikiPay’s Merchant Services are available over the
    Internet at www.wikipay.com and by mobile device at WikiPay Mobile Payments & Money Transfers. In order to
    participate in the WikiPay Merchant Services, Merchants must supply WikiPay with a mobile
    number and/or an e-mail address at which they can be contacted. Merchants agree to maintain
    the mobile number and/or e-mail address, or supply WikiPay with a substitute e-mail address, so
    that any and all disclosures, notices and communications from WikiPay to Merchants can be
    provided by e-mail. Merchants agree to receive all communications by e-mail, text message or
    similar electronic communications, and they specifically waive any right to receive any
    communications other than by e-mail, text message or other acceptable electronic
    communications.
    E FT and AC H A u t hor i za ti o n. If a Merchant, as a User, agrees to permit WikiPay to
    initiate electronic funds transfers from its designated Account to make scheduled (preauthorized)
    withdrawals, such authorization will remain in effect until the Merchant notifies WikiPay that it
    would like to terminate such authorization. To terminate, a Merchant must notify WikiPay at
    least five (5) business days prior to the scheduled transfer. Merchants may terminate by
    notifying
    WikiPay by email as noted under Section XIII of this Agreement.
    VII. Cred i t R eport i ng a nd C o ll ect i ons Re s u l t i ng f r o m a N egat i ve Ba l anc e.
    As a User of the WikiPay Merchant Services, Merchants grant WikiPay the authority to
    report delinquencies and defaults, to any credit reporting agency. If a Merchant account
    becomes negative for any reason, Merchants agree to pay WikiPay the sufficient amount to cover
    the outstanding negative balance. Merchants authorize WikiPay to draw funds directly from any
    external account including a bank account, debit card or credit card on file with WikiPay to
    cover negative balances. Termination of a usable mobile number or e-mail address shall not
    eliminate a Merchant’s obligation to perform under these terms. If WikiPay is unable to collect
    3the negative balance, then WikiPay may immediately transfer the outstanding Merchant account
    balance to Collections.
    VIII. C o m pli anc e.
    WikiPay provides Merchant Services. As such, WikiPay conforms to the multitude of
    compliance regulations and best practices related to the mobile marketing industry, including:
    NACHA, PCI, FFIEC and MMA.
    By using the WikiPay Merchant Services, Merchants agree to indemnify and hold
    WikiPay and its associated banking institution(s) harmless from any liability, claim, demand,
    loss or expense made by any party against them as a result of or arising out of a Merchant’s use
    of the WikiPay Merchant Services.
    IX. Ter m i nat i on b y W i k iP a y.
    WikiPay reserves the right to deny future access to its website or future use of any of its
    services to any User at any time without notice. Users waive any claim they may have against
    WikiPay resulting from WikiPay’s termination of access to WikiPay’s website or services
    through the WikiPay Merchant Services.
    WikiPay encourages all of its Users to report any and all criminal activity as a result of any third
    party receiving or sending funds through the WikiPay system to a valid law enforcement agency
    in the jurisdiction where the activity took place or in the United States of America. Time is very
    important, and Merchants should report such activity as soon as possible.
    WikiPay will only accept notification of criminal activity by a valid police agency, a
    governmental official on official business of his or her government, a prosecutor, or a court of
    law. Once such notification is presented to WikiPay then that User’s account will be closed or
    suspended.
    WikiPay is obligated to report Suspicious Activity to US law enforcement agencies. WikiPay is
    not a police agency and we do not perform criminal investigations of any kind. However, if we
    have reason to believe that a User and or a third party has engaged in any suspicious activity
    listed above, we will report such activity.
    X. Di s c l a i m ers a n d L i ab ili t y.
    N o Re s pon s i b ili ty for E rror s. WikiPay intends that the information contained in the
    website be accurate and reliable; however, errors sometimes occur in connection with electronic
    entries or program performance. Also, WikiPay relies on the information posted by the User on
    our website and does not confirm that the information posted by the User is accurate or reliable.
    Under no circumstances will WikiPay be liable for any loss or damage caused by your reliance
    on information obtained through our website or platform. Users have the responsibility to
    evaluate the accuracy, completeness or usefulness of any information, opinion, advice or other
    content available through the WikiPay website recognizing that errors may occur, or information
    may be inaccurate.
    4 General. THE WIKIPAY WEBSITE AND WIKIPAY PLATFORM INFORMATION,
    SOFTWARE, PRODUCTS AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS
    IS". WIKIPAY AND/OR ITS SUPPLIERS, DISCLAIM ANY WARRANTY OF ANY KIND,
    WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING
    THERETO, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF
    MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND
    NONINFRINGEMENT.
    USE OF THE WIKIPAY WEBSITE AND/OR THE WIKIPAY PLATFORM IS AT
    EACH USERS’ OWN RISK, INCLUDING RISKS INHERENT IN COMPUTER USAGE
    SUCH AS VIRUSES. WIKIPAY AND/OR ITS SUPPLIERS AND PROVIDERS ARE NOT
    LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL
    DAMAGES OR OTHER INJURY ARISING OUT OF OR IN ANY WAY CONNECTED
    WITH THE DELAY, USE OR THE INABILITY TO USE THE WEBSITE AND/OR
    WIKIPAY′S SERVICES.
    XI. Al ternat i ve Di s p ute R e s o l ut i o n.
    Any controversy, claim or dispute arising out of or relating to this Agreement between
    Users and WikiPay will be settled (a) first, by good faith negotiation between WikiPay or its
    representatives who have authority to resolve the dispute; (b) if necessary, by non-binding
    mediation by telephone, or if personal meeting is necessary, at a location reasonably convenient
    to Users and WikiPay, using a neutral mediator. In any mediation, the parties will equally share
    the cost of the mediator and otherwise bear their own respective costs; or (c) if no resolution is
    agreed upon, upon request of either party, by binding arbitration. Such arbitration will be
    conducted by one arbitrator mutually acceptable to both parties (and if no agreement is reached,
    by the AAA) in accordance with the rules of the American Arbitration Association, which will
    arbitrate the controversy, claim or dispute between Users and WikiPay. Any decision and award
    rendered by the arbitrator will be final and conclusive and may be entered in any court having
    jurisdiction thereof as a basis of judgment and of the issuance of execution for its collection. All
    such controversies, claims or disputes will be settled in this manner in lieu of any legal action in
    court, IF FOR ANY REASON THIS ARBITRATION CLAUSE BECOMES INAPPLICABLE,
    THEN EACH PARTY, WAIVES ALL RIGHT TO TRIAL BY JURY. Each party will bear its
    own costs and attorney’s fees arising out of any dispute, and the arbitrator’s fees will be paid as
    awarded by the arbitrator.
    XII. O ther P rov i s i on s.
    Co p y r i gh t, T rade m ark and Serv i ce M ark N o ti ce s. The WikiPay website and WikiPay
    platform may contain copyrighted material, trademarks and other proprietary information,
    including, but not limited to, text, software, photos, video, graphics, music and sound, and the
    entire contents of the website are copyrighted as a collective work under the United States
    copyright laws. All rights are reserved regarding all contents of the WikiPay website and
    WikiPay platform. WikiPay is a service mark of WikiPay, LLC.
    5 Governing Law. This Agreement between you and us shall be governed by and
    construed in accordance with the laws of the State of California.
    Severab il it y. This Agreement is intended to be enforced as written. However, if any
    portion or provision of this Agreement shall to any extent be declared illegal or unenforceable by
    a duly authorized arbitrator or court having jurisdiction, the remainder of this Agreement be
    enforced to the fullest extent permitted by law.
    Ot her T er m s. A printed version of this Agreement and of any notice given in electronic
    form shall be admissible in judicial or administrative proceedings based upon or relating to this
    Agreement to the same extent and subject to the same conditions as other business documents
    and records originally generated and maintained in printed form.
    X III. C o mm u n i cat i o n s w i th W i k iP a y. Any communication with WikiPay, including a
    Notice to Terminate a preauthorized electronic debit as described in Section VI , should be made
    by email to the following email address: support@wikipay.com. You may also call us at 310-
    443-9248, but notices will not be effective unless received by WikiPay at the above email
    address indicated.
    WikiPay welcomes User comments on how to improve our services, or regarding any
    problems you may encounter.

    All the best,
    Jeremy Green
    http://www.wikipay.com/prepro/vip
    http://www.wikipay.com/data/pdfdocs/..._Agreement.pdf
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  • Profile picture of the author Jemvip
    WikiPay Privacy Disclosures

    IMPORTANT INFORMATION ABOUT YOUR PRIVACY

    Protecting your privacy is important to WikiPay, LLC. ("WikiPay, LLC") is referred to in this notice as "we", "us"
    and "our"). We understand that you expect your personal information to be confidential and secure. This notice
    will help you understand what information we collect about you, how we use it and how we protect it.
    In addition, this notice describes your right to prevent information from being shared with any affiliates or non-
    affiliates (under certain circumstances).

    INFORMATION WE COLLECT

    In connection with providing financial products or services to you, we collect nonpublic and personal information
    ("nonpublic personal information"). Nonpublic personal information is information that is not available from a
    public source.
    We obtain nonpublic personal information about you from the following sources:

    Information we receive from you on applications, loan and account forms;

    Information concerning your transactions with us, our affiliates or others; and

    Information we receive from third parties such as credit bureaus.

    INFORMATION WE DISCLOSE AND WHO WE SHARE IT WITH

    We do not disclose any nonpublic personal information about our customers or former customers to anyone,
    except as permitted by law.

    Credit bureaus, customer service agents, collection agencies, and other trusted third parties provide services to
    us. We share information with these service providers in order to complete the transactions that you request. All
    service providers are bound by contract to maintain the confidentiality of your personal information.

    We do not sell or rent your personal information to third parties for marketing purposes.

    FORMER CUSTOMERS

    If you close your account(s) with us or you become an inactive customer, we will continue to adhere to the
    privacy practices described in this notice.

    OUR SECURITY PROCEDURES

    We restrict access to nonpublic personal information about you to our employees, agents and subcontractors who
    need this information to provide products or services to you. We maintain very advanced physical, electronic and
    procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

    YOUR CHOICES REGARDING INFORMATION SHARING

    We are permitted under law to (and in some cases must) disclose nonpublic personal information to "nonaffiliated
    third parties" in certain circumstances.

    For example, we may disclose nonpublic personal information to process your transaction at your request, to
    control fraud and identity theft, to make certain information a matter of public record such as recording a
    mortgage, to credit bureaus and to government entities in response to such things as subpoenas. Other than
    these disclosures, which are permitted by law, we do not disclose and may not disclose without your consent.

    Note Regarding Children Under 18

    Participants of the WikiPay system must be U.S. Residents that are 18 years of age or older. Children under the
    age of 18 are not eligible to participate in the offerings on this web site.

    State law

    You may have privacy rights under applicable state law in addition to those outlined in this privacy policy.

    Changes to this policy

    WikiPay may change this privacy policy at any time typically relating to improvements in technology or changes
    in law. We will promptly post any policy changes to this page and notify our participants directly with notice of
    any material changes.

    www.wikipay.com/prepro/vip

    https://docs.google.com/viewer?url=h...%2Fprivacy.pdf
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    • Profile picture of the author JDArchitecture
      OK, those last few jemvip posts were completely unnecessary.

      You know, we're pefectly capable of clicking on a link if we want to read something.


      I agree with Caliban. It is disturbing that the person chosen to be the spokesman for the project (and it really does look and sound like a project) seems really clueless about internet commerce.

      The more I read, the less I'm inclined to give wikipay another thought.

      If you expect to have a business where you want people to trust you handling their cash, you cannot be vague. For example, you list a percentage range for merchant charges when credit/debit is used. No explanation. I can only assume that the rate will depend on how you guys are feeling that day.

      There are not only red flags galore, but for me, it's more than that. I see a lot of big stop signs.

      Sorry, but this launch is clearly premature.

      Many of the comments in this thread seem like knee jerk reactions to paypal and anything that even has a whiff of a chance at replacing paypal gets some immediate praise. But wikipay is not a legitimate paypal alternative.

      At best, it's a Google Checkout alternative. And look how far Google Checkout has gotten.... not very.

      Why? The damned account requirement. It's a non-starter.

      I could be wrong, but it's ubundantly clear to me that your baby is really the mobile payment gimmick. I'll admit that I see little to no value in it, but maybe that's just me.

      My point is, be honest about what you are. You're definitely not a payal alternative.

      Now, do you want to be one? We'd sure like to see you try.

      Here's what I would do if I were you:

      A) Drop the account requirement for buyers!
      B) Re-think your entire message.
      C) Flesh out your policies. Explain your fees.
      C) An ACH misfire is not NSF! Lose the fee or lose customers.
      D) Make the ability to use mobile/text payment a benefit of having an account. In other words, stop letting the tail wag the dog.

      Haven't you ever wondered why Google Checkout can't wrestle market share away from paypal? See "A" above.
      {{ DiscussionBoard.errors[4226428].message }}
      • Profile picture of the author Jemvip
        Originally Posted by JDArchitecture View Post

        OK, those last few jemvip posts were completely unnecessary.

        You know, we're pefectly capable of clicking on a link if we want to read something.


        I agree with Caliban. It is disturbing that the person chosen to be the spokesman for the project (and it really does look and sound like a project) seems really clueless about internet commerce.

        The more I read, the less I'm inclined to give wikipay another thought.

        If you expect to have a business where you want people to trust you handling their cash, you cannot be vague. For example, you list a percentage range for merchant charges when credit/debit is used. No explanation. I can only assume that the rate will depend on how you guys are feeling that day.

        There are not only red flags galore, but for me, it's more than that. I see a lot of big stop signs.

        Sorry, but this launch is clearly premature.

        Many of the comments in this thread seem like knee jerk reactions to paypal and anything that even has a whiff of a chance at replacing paypal gets some immediate praise. But wikipay is not a legitimate paypal alternative.

        At best, it's a Google Checkout alternative. And look how far Google Checkout has gotten.... not very.

        Why? The damned account requirement. It's a non-starter.

        I could be wrong, but it's ubundantly clear to me that your baby is really the mobile payment gimmick. I'll admit that I see little to no value in it, but maybe that's just me.

        My point is, be honest about what you are. You're definitely not a payal alternative.

        Now, do you want to be one? We'd sure like to see you try.

        Here's what I would do if I were you:

        A) Drop the account requirement for buyers!
        B) Re-think your entire message.
        C) Flesh out your policies. Explain your fees.
        C) An ACH misfire is not NSF! Lose the fee or lose customers.
        D) Make the ability to use mobile/text payment a benefit of having an account. In other words, stop letting the tail wag the dog.

        Haven't you ever wondered why Google Checkout can't wrestle market share away from paypal? See "A" above.
        The reason for the copy & pates from our website was to try & stop even more questions being asked that could have been answered if people did go to our website, you can see from many previous posts that this is the case, I’m just making it easier for the people who don’t bother doing what you do. Believe me I’d rather them go to our website & find out for themselves, this whole WF thing is starting to do my head in a little bit. Lol

        Guys please lighten up, try not to be so negative & pessimistic, it’s bad for your health. Lol I’m just here to give information, we’re not forcing you to do anything. I posted before we expect you to be skeptical, that’s normal with a new company like WikiPay.

        The minimum & maximum % range to process is because different cards cost different amounts to process, this is set by the CC companies, a rewards card costs more with all merchant service providers because you the merchant are paying for the customers reward.

        I will get detailed files on this going forward.

        We say right on our website, “Mobile Payments & Money Transfers” amongst other things. The USA is catching up to the rest of the world as far as mobile payments go. In some Countries your mobile number is registered with your bank just like a bank account number. You can pay with your phone, open your car door with your phone, open the front door to your house with your phone, and buy your groceries by scanning a QR Code with your phone while you’re standing waiting for the train to work.

        As or the end of your post, that’s more like it, please keep this up. We want your feedback & ideas, they’re greatly appreciated, and with your help maybe we can be a viable alternative to PayPal.

        C) This should make it clear. It is in the loading from one's bank that the the charge occurs. This is the same as if you went to the store, and make a purchase with insufficient funds in the bank.

        Overdraft charges how and when do they apply - "any request for payment or ACH debit is returned for insufficient funds, or any other reason". Is this typically associated with loading funds? - Yes. Can a WikiPay user send a payment for more than they have in available funds? - No. When they text payment doesn't the system automatically stop them from sending more than the amount available? - Yes. Doesn't the act of texting payment instantly freeze funds and make transfer WikiPay to WikiPay account? - Yes.

        D) I don’t understand, it is a benefit of having an account.
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        • Profile picture of the author azmanar
          Originally Posted by Jemvip View Post


          D) I don't understand, it is a benefit of having an account.
          Hi,

          (D) is about a business model, which is related to (A).

          "Not having to sign-up for an account in order to do purchases by buyers" is what makes PayPal popular than Google Checkout.

          If you drop the account requirement for buyers, probably you'll attract more buyers to use Wikipay. This is good for Merchants.

          And if buyers sign-up for an account with Wikipay, they can also pay via Mobile. This is a benefit of signing-up. If they don't sign-up, they don't get the Mobile Payment option.

          As merchants, they do understand the need to be vetted and thus require merchant accounts.

          -------- JD, is the above what you meant ? -----

          Anyways, buyers and merchants are even more careful today. They don't want to be victims of online fraud, fake CC and etc.

          So, buyers don't want to release their security info to merchants and merchants want legitimate buyers only.

          Having to sign-up for an account to payment system providers seems to relieve some worries about security. Also signing-up means serious buyers. Isn't "buyer traffic" what we've been looking for all this while?

          I've been buying hundreds of online products. Every seller requires me to sign-up one way or another. Many sellers don't use PayPal, 2CheckOut and etc. They use other 3rd party systems such as DigitalRiver, Verifone, Eway and hundreds of others.

          Many branded merchants such as Sony, have their own online payment system. We need to register with them before buying and paying for a product. The same for paying bills - telcos, electricity, water and gas.

          I guess the trend is, most consumers of services will have to sign-up for an account. I bet, PayPal will implement this soon to improve their credibility.
          Signature
          === >>> Tomorrow Should Be Better Than Today

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          • Profile picture of the author JDArchitecture
            Originally Posted by azmanar View Post

            -------- JD, is the above what you meant ? -----
            Yes azmanar, it's painfully obvious that you get it and the official spokesperson is clueless.
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            • Profile picture of the author Jemvip
              Originally Posted by JDArchitecture View Post

              Yes azmanar, it's painfully obvious that you get it and the official spokesperson is clueless.
              I understand everything azmanar is saying. He had to clarify what you were saying...

              In the second part of azmanar post he's basically saying the way WikiPay does business is the way other companies like WikiPay are, or will be doing business in the future. Where azmanar is from they already have what we're bringing to the USA in place.


              From azmanar, Thu, Jul 7, 2011 at 2:30 PM
              "Hi Jemvip,

              Mobile Payments are part and parcel of consumer life in my part of the world. But it stays inside the country. No international transaction.

              So the acceptance level and infrastructure are ready here. Mobile phone numbers are like IDs hooked up with banks and others.

              I can see many Canadian warriors pushing you quite hard to bring WikiPay services into Canada.

              Please consider placing Malaysia and Singapore in the WikiPay biz map as well."

              We value constructive criticism & ideas, please try to keep the conversation civil, interesting how anonymity can make people obnoxious.

              Maybe JDArchitecture is a seminar poster for PayPal?
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              • Profile picture of the author JDArchitecture
                If I were a paypal shill I wouldn't be posting here, and certainly not on a Saturday.
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        • Profile picture of the author JDArchitecture
          Originally Posted by Jemvip View Post

          The reason for the copy & pates from our website was to try & stop even more questions being asked that could have been answered if people did go to our website, you can see from many previous posts that this is the case, I’m just making it easier for the people who don’t bother doing what you do. Believe me I’d rather them go to our website & find out for themselves, this whole WF thing is starting to do my head in a little bit. Lol
          Amazing! So you you'd rather clog up a forum with boilerplate than provide true customer service. Gee, that's a good sign.

          :rolleyes:

          Guys please lighten up, try not to be so negative & pessimistic, it’s bad for your health.
          Seriously? Did you go there?

          Maybe you're right. Maybe CocaCola should have spent millions on an ad campaign to tell everyone who bitched about New Coke to lighten up. Yeah, that would have been the smart thing to do...

          "To hell with the target audience! We want your love and you will give it to us, dammit!"

          Lol I’m just here to give information, we’re not forcing you to do anything. I posted before we expect you to be skeptical, that’s normal with a new company like WikiPay.
          WTF?!

          The minimum & maximum % range to process is because different cards cost different amounts to process, this is set by the CC companies, a rewards card costs more with all merchant service providers because you the merchant are paying for the customers reward.
          BS! Does paypal do this? No. I have never seen any other payment processor do this. Fees are only higher for amex and that's because amex is a complete pain in the a$$. Paypal also gives you the option to not accept amex.

          As or the end of your post, that’s more like it, please keep this up. We want your feedback & ideas, they’re greatly appreciated, and with your help maybe we can be a viable alternative to PayPal.
          I'm available for private consultation. My fee runs between $250/hour and $10,000/day. When you engage me, you will find out my exact fee when you get your bill.

          C) This should make it clear. It is in the loading from one's bank that the the charge occurs. This is the same as if you went to the store, and make a purchase with insufficient funds in the bank.
          Nope! One of two things happens. Either the card is declined or, if you have overdraft protection, the payment is processed and service charge, if any, is between the bank and the customer.

          Again, you don't get it, and clearly, whoever coded your site doesn't get it either.

          D) I don’t understand,
          That's obvious.
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  • Profile picture of the author Bruce NewMedia
    Agree with JDArchitecture, and what was the point of copying over mounds of boilerplate from the WikiPay website? ...I'm starting to think JemVip is more like a WikiPay commission rep who happened on this thread and smelled gold....and still no answer to what 'WikiCourt' is.
    _____
    Bruce
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    • Profile picture of the author Vanessa Reece
      I have not read the entire thread but let me point out that JD is very much on the money here - well in my opinion he is.

      I am unable to take full advantage of Wiki Pay due to my out of US location - fair do's and all that, but what really 'un-nerved' me was having my customer support messages answered from a blackberry phone. (you know: the sent by blackberry tag)

      This screamed amateur - as it has no real professional touch to it. I could have been talking to my 15 year old son.

      I asked them to delete my account completely (because I was able to set it up so much but not totally) whether that has been done I don't know?

      Either way, JD is correct - premature and mobile orientated.

      Not solid, complete or usable for the vast majority. And please stop with 'blackberry phone' style support desk - it really was a red flag for me.

      V
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      • Profile picture of the author Jemvip
        Originally Posted by ITS-V View Post

        I have not read the entire thread but let me point out that JD is very much on the money here - well in my opinion he is.

        I am unable to take full advantage of Wiki Pay due to my out of US location - fair do's and all that, but what really 'un-nerved' me was having my customer support messages answered from a blackberry phone. (you know: the sent by blackberry tag)

        This screamed amateur - as it has no real professional touch to it. I could have been talking to my 15 year old son.

        I asked them to delete my account completely (because I was able to set it up so much but not totally) whether that has been done I don't know?

        Either way, JD is correct - premature and mobile orientated.

        Not solid, complete or usable for the vast majority. And please stop with 'blackberry phone' style support desk - it really was a red flag for me.

        V
        I can have your account deleted if you like? No problem VR.

        Yes, it could have been your 15 year old son or maybe it was the President of the United States, he uses a Blackberry also. A lot of the Wikipay team is on the road in meetings, you may have gotten this reply from one of the heads of the company checking in while flying across the country. I've found most email inquiries are replied to in 1 to 2 hours if sent within US Business hours, PST.
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      • Profile picture of the author Jemvip
        Originally Posted by ITS-V View Post

        I have not read the entire thread but let me point out that JD is very much on the money here - well in my opinion he is.

        I am unable to take full advantage of Wiki Pay due to my out of US location - fair do's and all that, but what really 'un-nerved' me was having my customer support messages answered from a blackberry phone. (you know: the sent by blackberry tag)

        This screamed amateur - as it has no real professional touch to it. I could have been talking to my 15 year old son.

        I asked them to delete my account completely (because I was able to set it up so much but not totally) whether that has been done I don't know?

        Either way, JD is correct - premature and mobile orientated.

        Not solid, complete or usable for the vast majority. And please stop with 'blackberry phone' style support desk - it really was a red flag for me.

        V
        Hi ITS-V, may I ask what time GMT you received the email reply from WikiPay via Blackberry? It would be interesting to know what time of the day it was sent, I've had emails from corporate at 12.53am. Remember we're 5 to 8 hours behind you.
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    • Profile picture of the author Jemvip
      Originally Posted by brucerby View Post

      Agree with JDArchitecture, and what was the point of copying over mounds of boilerplate from the WikiPay website? ...I'm starting to think JemVip is more like a WikiPay commission rep who happened on this thread and smelled gold....and still no answer to what 'WikiCourt' is.
      _____
      Bruce
      Please see above for why I copied & pasted from our website.

      I’m the WikiPay Agent who started this thread by originally posting on Russ Raffino’s Blog on June 23rd.

      I will get detailed files on WikiCourt, I want to make sure you get the most up to date information...
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  • Profile picture of the author Mercury Labs
    wow so glad i'm not the only person that HATES paypal they limited my account ever 2 seconds and that means a call to them and a long chat over a coffee why they unblock the account.

    anything that can give paypal a run for it's money is great in my eyes.
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  • Profile picture of the author Jolia
    "Change is Constant"

    Yay! Another payment processor to discover!

    If wikipay is the rising competitor for paypal, I might have to check them out and compare their advantage over paypal. I firmly agree that it will take some time for any competitor to catch up with Paypal, but sometimes we might have to try something else that will make life more convenient than ever.
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  • Profile picture of the author sdbagley
    Sounds interesting, but I'm going to hold off for now. I have not really ever had any really bad experiences with paypal, (just a few minor inconveniences), but definitely going to keep my eyes on this one. Thanks for sharing this!
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    • Profile picture of the author The 13th Warrior
      Google + is trying to fill the gaps that FaceBook and Twitter come short.

      If they are pretty good at giving people what they want, why does their payment system simply avoid a glaring sore as people NOT wanting to be members, but simply use the service?

      I see this in a lot of places where people WANT to use the dang freakin service, but DO NOT want to sign up for membership.

      A no-brainer , and they could probably catch so much of the PayPunk market.

      NO, I don't want to be a member, and HELL NO, I don't want to give you my checking account routing number.

      There's a lesson here, don't get TOO BIG and ARROGANT as to not listen to your market, like MySpace has done.

      Google is hot on the heels of Twitter and FaceBook, their too big and rich to see it coming and too arrogant to even believe it can happen.

      And PayFoe, anyway , are supposed to be in the business, anyways, of legal, legitimate currency and fund transactions....concentrating more on the buyer and merchants satisfaction, not police-ing your website because it violates their so-called standards and sanctified moral judgements.

      The adult entertainment industry is how many billions a year? Where is all that money, under someone's mattress, in a cookie jar buried in the back yard or is most of it in a muther-freakin bank???

      Give buyers what they ask for and want.

      Give merchants what they need and ask for.

      Insure both parties are satisfied and that its legal...,

      ...and save your morals and hypocrisy for someone else who gives an "F"

      You never really and truly see the a&&hole until a person/company starts becoming a big monopoly with tons of cash, then....,

      ..... here comes the goddamn God complex, they know whats better for you, they want to join all the "other" billion dollar fudge-holes to plan the worlds way of life.

      I hope PayPunk gets stomped, massively and viciously with extreme prejudice.

      Even as a buyer, they sometimes suck fecal sweat.

      Pre-school Marketing 1-0-goddamn-1,

      GIVE THE PEOPLE WHAT THEY WANT. PERIOD.

      If they don't know that, that business degree, Masters or phD should be confiscated by law.

      The 13th Warrior
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