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I've been declined...

by Kim Standerline
28 replies
By Worldpay as my new online processor, and I don't know whether to laugh or what.

Apparently I'm considered a "Risk" (Consider me suitably chastised lol)

Most amusing thing is I used them when I first went online in 2002, they didn't have any problems with the fact I was digital then. (and I wasn't making a lot of money in those days).

To be honest, I'm not unduly concerned, I was a bit fed up about not getting my money for a month anyway, but I wanted to get away from relying just on Paypal.

I may just stick with 2co as my processor, and I'm going to check out authorisenet,

Does anyone have any other recomendations.

Kim
#declined
  • Profile picture of the author Peter Bestel
    Sorry Kim,

    When I saw your thread title, I read it as "I'm in decline" and I just thought how refreshingly honest!

    Glad to hear you're not, but sorry to hear about WorldPay, they obviously know you too well

    Peter

    <runs off to make Heather a cup of tea!>
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  • Profile picture of the author Paxton
    Originally Posted by Kim Standerline View Post

    By Worldpay as my new online processor, and I don't know whether to laugh or what.

    Apparently I'm considered a "Risk" (Consider me suitably chastised lol)

    Most amusing thing is I used them when I first went online in 2002, they didn't have any problems with the fact I was digital then. (and I wasn't making a lot of money in those days).

    To be honest, I'm not unduly concerned, I was a bit fed up about not getting my money for a month anyway, but I wanted to get away from relying just on Paypal.

    I may just stick with 2co as my processor, and I'm going to check out authorisenet,

    Does anyone have any other recomendations.

    Kim
    Funny how things work out sometimes.

    When I first started out, I was rejected for an affiliate program I applied to on an affiliate network.

    When my site got to a PR3 and my network earnings on the affiliate network built up nicely, the affiliate manager contacted me and "offered to sign me up". I told him I would rather nail my private parts to a burning tree...

    If you don't want me when I'm starting out, don't expect me to join when I've established my business.
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    • Profile picture of the author Kim Standerline
      Lol

      I bet you got a lot of pleasure out of it, I know I would have done

      Kim


      Originally Posted by Paxton View Post

      Funny how things work out sometimes.

      When I first started out, I was rejected for an affiliate program I applied to on an affiliate network.

      When my site got to a PR3 and my network earnings on the affiliate network built up nicely, the affiliate manager contacted me and "offered to sign me up". I told him I would rather nail my private parts to a burning tree...

      If you don't want me when I'm starting out, don't expect me to join when I've established my business.
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      • Profile picture of the author Paxton
        Was very satisfying, yes.

        Enjoyed tremendously
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    • Profile picture of the author Sandor Verebi
      Originally Posted by Paxton View Post

      Funny how things work out sometimes.

      When I first started out, I was rejected for an affiliate program I applied to on an affiliate network.

      When my site got to a PR3 and my network earnings on the affiliate network built up nicely, the affiliate manager contacted me and "offered to sign me up". I told him I would rather nail my private parts to a burning tree...

      If you don't want me when I'm starting out, don't expect me to join when I've established my business.
      Hi Paxton,

      The three dots are at you.

      Btw I also experienced this with another manager in 2006. If you are just starting and you needed some quidance or help they don't see you as a potential partner. If you already got success then they present themselves to help you. Nonsense!

      I can imagine it as the chap realize his chin finally, because you didn't accept his "generous offer".

      Cheers,

      Sandor
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      • Profile picture of the author Paxton
        Bit like banks in a way:

        Most banks are happy to lend you money if you can present them with enough evidence to prove that you don't actually need the money.

        Affiliate managers are there to manage. If they only want established marketers and high ranking websites, then make it quite clear that's what they are after.

        Yes, they have their TOS but if you never give somebody a chance to show what they can do, they can never show you what they can do...

        Other programs I promote from the same network have upped my commission from the base 10% they were offering to 12.5% so I must be doing something right.

        In any case, they turned me down - no way they should expect me to jump through hoops when they "offer".

        Plenty of quality products to promote in the same niche.
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        • Profile picture of the author Sandor Verebi
          Originally Posted by Paxton View Post

          ....Affiliate managers are there to manage. If they only want established marketers and high ranking websites, then make it quite clear that's what they are after.

          Yes, they have their TOS but if you never give somebody a chance to show what they can do, they can never show you what they can do...

          Other programs I promote from the same network have upped my commission from the base 10% they were offering to 12.5% so I must be doing something right....
          Paxton, I cannot agree better with you. Many successes
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    • Profile picture of the author Chris Lockwood
      Originally Posted by Paxton View Post

      When my site got to a PR3 and my network earnings on the affiliate network built up nicely, the affiliate manager contacted me and "offered to sign me up". I told him I would rather nail my private parts to a burning tree...

      If you don't want me when I'm starting out, don't expect me to join when I've established my business.
      Yes, this industry can be such a joke. I'm glad you told him the reason.

      It's funny how people get ignored until somebody realizes they aren't completely useless. I see this at live events a lot.
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  • Profile picture of the author Kim Standerline
    So...

    What online payment processors (if any) would warriors recommend

    Thanks
    Kim
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  • Profile picture of the author Anthony Hull
    Plimus?

    Never used em, but seen others that are.
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  • Profile picture of the author Neil Morgan
    Hi Kim

    WorldPay is owned by RBS. Go figure

    Seriously though, I used them a few years ago and I really got fed up waiting for the money to come through. And they were expensive. I cancelled it before my £160 annual fee became due.

    I'll be interested to hear others' responses to your question about alternatives because I'd like another one too.

    ClickBank is the obvious choice. I like their simple checkout process, but their fees are very high and their refund rate horrendous.

    On Friday I applied for PayPal's "virtual terminal" system so that I could take payments by phone, fax etc - and I have other plans for that too.

    Anyway, just a few ramblings.

    Cheers,

    Neil
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  • Profile picture of the author OA
    Banned
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    • Profile picture of the author Talltom1
      Actually, I know that the reasons you were declined weren't because of you...it's fallout from the current global economic crisis.

      Here's what's going on...when a customer uses a credit card, he's essentially borrowing money from the bank - you're getting the proceeds. However, a large part of the economic crisis right now revolves around banks not being able to have enough cash on hand to satisfy government regulators. Consequently, they aren't going to have any additional funds with which to make loans, even for highly profitable credit card 'loans'.

      Another thing that is compounding the issue for the banks, is that they've come to realize that the money they previously loaned for things like homes and property (which in theory would never depreciate in value...yeah right) is now secured by the same homes and property worth half of what they were worth 3-5 years ago when the mortgage was written. So what happens, is that when the government has certain regulations for banks that the ratio of their assets to liabilities needs to meet or exceed a certain level - well, now you know why they are in deep kimshee...and there's no money to finance car loans and credit cards even for those with great credit.

      But here's two things everyone needs to know...
      1. If you have a credit card with a credit limit, banks are actively taking steps to reduce that limit. There have been recent reports where one of my clients has a credit card with a $3000 limit. He made a series of $500 payments on it recently to cover recent business expenses. Each time, the bank lowered his credit balance by that amount, so that the amount he currently owed equalled his new credit limit.

      2. If banks can't get, and give, new credit, then right now you need to HOARD every last coin you can get your hands on. Our current economic situation is such, that for the next few months, you need to be your own banker. Stretch out your payables by 10-20 days; don't spend a penny unless its absolutely necessary. Just stand by, and wait for this economic storm to pass.

      Didn't mean to get preachy, but I thought there was some information here that you all needed to know about. Hope you have a great weekend.
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      • Profile picture of the author John Henderson
        Isn't Google Checkout meant to be a competitor to PayPal? :confused:
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        • Profile picture of the author Alexa Smith
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          • Profile picture of the author John Henderson
            Originally Posted by alexa_s View Post

            It is a competitor to PayPal, but unfortunately for UK residents using it, although they can use it to pay/send without great restrictions, they can't use it to accept credit-card payments from clients at all without being a VAT-registered corporation (it's in the small-print - unless it's changed recently since I looked). God only knows why!
            Thank you for setting me straight, Alexa.

            (You guys just know sooooo much more about all of this than me... :rolleyes: )
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  • Profile picture of the author Kim Standerline
    Is this an online processor, (I'm confused)

    www.skypay.co.uk/
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    • Profile picture of the author Neil Morgan
      Hi kim

      I found myself thinking, all I need to do is look at the SkyPay site and all will become clear.

      It is clear. As mud.

      I can't work out why I would need them (for £19.50) per month when you need a separate merchant account to use their service.

      Maybe they just do the secure processing into your own merchant account.

      If that's the case, I could do it myself.

      I'll be interested to know what you find out.

      Cheers,

      Neil
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      • Profile picture of the author Kim Standerline
        First I decided they were, then I decided they were not, and now I've decided I have no idea

        They tell you to get a merchant account, so I guess they can't be. I presume it must be something a tad like 1shoppingcart or something

        Sigh thought I'd found the holy grail for a mo

        Originally Posted by Neil Morgan View Post

        Hi kim

        I found myself thinking, all I need to do is look at the SkyPay site and all will become clear.

        It is clear. As mud.

        I can't work out why I would need them (for £19.50) per month when you need a separate merchant account to use their service.

        Maybe they just do the secure processing into your own merchant account.

        If that's the case, I could do it myself.

        I'll be interested to know what you find out.

        Cheers,

        Neil
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  • Profile picture of the author Dan Grossman
    Originally Posted by Kim Standerline View Post

    I may just stick with 2co as my processor, and I'm going to check out authorisenet,
    Authnet is not a 3rd party processor, it is a payment gateway, which only connects your site to a bank's processing network. It doesn't work without a merchant account, which you get either from a bank or an authorized service provider underwritten by a bank.

    Once you are doing around $1000 a month in transaction volume, it's almost always cheaper to process through a real merchant account, taking credit cards directly, than paying the markup on a 3rd party processor. The lower processing fees outweigh the monthly fees at that point.

    I have used CDG Commerce (referral link) with Authnet for the past 4 years in addition to PayPal.
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    • Profile picture of the author Kim Standerline
      Ahh thanks Dan

      I'm obviously getting myself evem more confused here aint I

      Hmm looks like I'll have to bite the bullet and get myself a real live merchant account

      Originally Posted by Dan Grossman View Post

      Authnet is not a 3rd party processor, it is a payment gateway, which only connects your site to a bank's processing network. It doesn't work without a merchant account, which you get either from a bank or an authorized service provider underwritten by a bank.

      Once you are doing around $1000 a month in transaction volume, it's almost always cheaper to process through a real merchant account, taking credit cards directly, than paying the markup on a 3rd party processor. The lower processing fees outweigh the monthly fees at that point.

      I have used CDG Commerce (referral link) with Authnet for the past 4 years in addition to PayPal.
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