Who's fingering us?…no pun intended!

[Cindy_PantyParadise]

heheh thanks Ozzy 🙂

Hi Anna – I use Abbey too and they really are fabulous.  SWIFT or IBAN numbers are quick and easy but just make sure that you ask your customer to check his bank fees too before asking him to transfer – like Ozzy said, banks enjoy to make easy money and if its not your bank making from the transaction, it will be the customer’s.

Again, for European countries (yes the UK is in the EU despite not having Euro yet) – just ask the customer to check with his bank first as the transfer from Euros to Pounds might incurr charges.

If you live in the UK then a PO Box is probably the best and safest option to receive cheques etc., for those that do not wish to do a bank transfer – however, it doesnt help with oversees payments – Abbey told me a while ago that they charge £30.00 just to handle a US Dollar Check!

[Anna]

Well bloody buggery bollocks! With boils on!

Why is it that banks only tell you about charges when you ask? 

It doesn’t matter where I accept a Bank Transfer from – US, UK or EU, the minimum charge is £20! This is for processing as well as converting the currency where applicable.

The alternative for us in UK is we can accept one off payments through online or manual banking with no charge, but has to be within the UK.

So for overseas I guess that leaves a PO Box but it would have to be cash as again banks charge for converting currency.  Cash can be exchanged in the bureau/holiday shops but we lose out on the rate (although this is cheaper than bank’s processing fees).  :unsure:

What a complete pain!

Thanks for your advice Cindy…I may pester you for more advice re payment options if you don’t mind?

Anna  smt

[Anna]

Hi Cindy

We posted at same time  🙂

Yes, Abbey confirmed the charge to handle a cheque in any currency other than sterling – the swines.  Just to correct myself – they charge me to Transfer so stands to reason the customer’s bank charges to send the payment to me.  Thanks for confirmation of that Ozzy. :kiss:

I’m bothered about PO Boxes though, the T&C state that they will give out your personal details if asked.  I’m a mum so I need to be discreet and safe.  Has anyone had any problems of that nature through PO Boxes to your knowledge?

Anna  smt

[Cindy_PantyParadise]

Anna … Yeah .. LMAO .. I used those exact same words when I found out about the bank fees too 🙂

“Well bloody buggery bollocks! With boils on!”

[color=purple]
Im no guru to payment options though Anna.  I did receive some quotes from the Legendary WorldPay and a couple of others but their fees were just ridiculous.  To be honest with you I never ever wish my panty selling to turn into a big business, which it would have to become just to cover the fees .. and realistically, you cannot cover those sorts of fees by just selling panties unless you were a fake.

The only other alternative would be to ask your bank for a Merchant Account.  I did try that avenue too but to pay for the account and to accept credit cards was equally ridiculous in fees, besides the minute you mention the scary word “adult” they kind of run and hide!!

I am personally doing well with accepting cheques and bank transfers and online banking at the moment and its working surprisingly good.  For the oversees orders I just point them to my wish list or ask for a gift voucher.

However, if you are only just starting up you have to decide whether the money is more important for you in the early days or you don’t mind receiving gifts in return for international orders.  I know when I started up I could bearly afford to pay my hosting so I wasnt able to accept gifts instead of payments at that time.  A few panty girls in the UK only accept UK orders, which works well for them and they don’t need to take on the worry about international payments.

Im sure when a few more online payment options come into play for the adult industry it will start the ball rolling once again for an easier solution to the current problem we are currently all battling with.

But until then we just have to grin and bear it (sleep with a coathanger in your mouth for that perfect smile) hehee

As for a PO Box, I personally don’t have one. You could ask the customer to just send the cheque to Abbeys Main office in London with a note of all your account details.  That works for me – I live in Germany and if guys are going to post something to your PO Box anyway, they might as well send it direct to your bank instead!

Love Cindy xxxxxx

[Anna]

I beg to differ Cindy – you may not be an actual payment guru but you’re close enough for me.  I’ve looked at other sites to see what their payment options are and they still have PayPal and Nochex! 

I love gifts at anytime but I’m just wondering what British Gas will say if I try and part pay my bill with a nice Rabbit  😛

Thanks for tip about asking customers to send cheques direct to  Abbey head office – I would never have thought of that in a million years. :ohmy:

Anna  smt

[ebare]

After nearly 3 months now of solid payment processing research and applications etc, I initially came here for some light relief, you know catch up on gossip, who’s new, whats happening in the U.P world etc Lol what do I find? you’re all talking about payment processors AaaRRRGGG!  :cheer:

Well, in the absence of a processor we are using bank transfers – its taking a while to catch on, not quite sure what the problem is as its free and relatively quick! Some have said that they dont want to give their bank details but as we’ve said, we only see the name of the account holder anyway.
With regards to a processor as most on eBare will know, we have been trying to set one up ourselves for adult sales. After contacting nearly 200 different establishments all over the globe we have had only 4/5 solid offers! most have said no point blank and others – the adult industry ones are simply too greedy and want a ridiculous percentage. As we’ve said before – why the hell should you have to pay almost half the money to the processor to cover possible chargebacks when, if you do get a chargeback, you get charged for it as well, usually more than the charged back amount anyway!!!! Daylight bloody robbery!

Anyway, bit of light on the horizon, we may have a solution in the next few weeks, what looks like a pretty good contract in the post as we speak, fairly good rates too, not too much over nochex which isnt bad considering it is openly adult – software is having final bugs fixed and thoroughly tested – the only ‘drawback’ will be that as per the terms of the acquiring bank anyone using it must be registered with either eBare or flogshop (this is because if you can say people using it are registered members of your site, the risks are lower and the bank is happy to grant direct merchant status on that basis but if you say its open to the whole world ie anonymous users then the risk factor goes sky high and banks wont touch you unless you have a deposit the size of the national debt)
but since registering with us is free, shouldn’t be too much of a hardship anyway, more details as they happen.

Ps we’ll need a few people to test the new software in the next few weeks, you know payment buttons on sites to see if it all works ok,payment gateways to the new adult processor tested in someone’s site etc – so if anyone wants to have a go and be a ginuea pig please let us know thanks.

[Anna]

This sounds great!

So, correct me if I’m wrong, the panty seller and the panty buyers have to be all registered with eBare and we don’t have to do auctions?  Just be registered? Sellers and customers?

[subjonny]

As a buyer I would never use the service and hope the ladies will offer alternatives. No offense but it seems to me that you guys run an auction site not a bank. If its all the same I’d rather not trust my money to someone that isn’t a bank or has a finance industry tie-in. Ibill which is a multi-million dollar finance company just crapped out leaving 13.7 million dollars worth of customer accounts hanging. I’m sure you have good intentions, but people that do decide to use it would do well to only put as much money into it as they’re comfortable with losing.  :unsure:

[judy]

LOL! Yeah this makes sense! Rape your sellers on auction fees and add processing fees to sweeten the pie. Just like ebay and paypal huh? You auction people are all alike. Bleed every last fucking dime out us huh? Oh boy.

[stinknpuss]

[quote author=judy link=topic=879.msg5343#msg5343 date=1142032432]
LOL! Yeah this makes sense! Rape your sellers on auction fees and add processing fees to sweeten the pie. Just like eBay and paypal huh? You auction people are all alike. Bleed every last fucking dime out us huh? Oh boy.

:ohmy: Now there’s a girl who says what everyone’s thinkin but is afraid to say.  lmao

[Anna]

If they’re prepared to offer a service then shouldn’t we expect to pay for the service?  You don’t get something for nothing. 

It all depends on the fees obviously…but before we start slagging people off shouldn’t we wait to see what the service and the fees actually are.

Sellers will always offer alternative methods of payment for those who don’t want to use payment processors but if the payment processor is offering a good deal then what’s the problem?  You don’t have to use them do you?

The point is that’s it’s nice to have the choice

[Delicious_Jess]

SubJohnny, a few of my gents feel the same about online processors but you should consider that it is within Ebares interests to keep the online auction/adult payment world afloat. I’m sure they invest heavily in to this processor and indeed their auction site. If it goes nipples up then they’ll be out of pocket too. The last thing they want to do is shoot themselves in the foot.

I don’t know about finance, but I’m sure they’ve plenty of rules end regs implemented by their backing banks etc. I understand why some don’t trust online banking though. It’s a scary thing. I think your statement about only using what you can lose is extremelly premature though. No seller uses a payment processor lightly. We all invest a lot of time investigating them and I for one would rather trust my money with ebare than paypal. Try not to knock their efforts before you’ve seen what they offer.

Ebare I’m looking forward to it. Nice work.

smt

[subjonny]

I didn’t intend to knock anyone, just saying that as a buyer it wouldn’t be for me that’s all. I’m not doubting their intentions at all. I’m positive they mean well and I say best of luck to them. That said, I won’t use their service due to the concerns I’ve mentioned maybe other buyers aren’t as careful with their money as I am but its my money.

I do have to disagree about what you’ve said about Paypal though and suspect you were being funny? Paypal and eBay are huge corporations with billions of dollars in revenues and holdings and watched very closely by government regulators. Do you honestly believe that Paypal has a much better chance of going under than ebare?  :ohmy: :ohmy:

[Anna]

Hi subjonny, No you didn’t come across as knocking anyone, just that you don’t trust payment processors which of course is fine, it’s your choice and that has to be respected.

re PayPal, I don’t think Jess was saying that she thinks eBare is less likely to go under than PayPal, it was more a case that PayPal have proved to be devious (not sure this is the right word)by charging such high fees and keeping all the money in an account in lieu of ‘fines’. 

eBare are offering a service which means we, and the buyers of course, will never be fined because they are prepared to back other adult sites, whereas as we know other payment processors won’t.

Therefore, we’d rather try out what eBare is offering than try a payment processor along the same lines as PayPal.

Well, apart from Judy that is who not only steals customers from other panty sellers seems to think that auction sites should sell her stuff for her for free!

I know why Judy can’t sell her knickers – they’re as sour as her! (Just spent last half hour reading her posts – staggering! lmao)  I’m not usually bitchy honest -  B)

Anna  smt

[Delicious_Jess]

Nope, I wasn’t being funny about Paypal.

My opinions on them were formed before I became an adulter and I’ve never used them for my panty site. They have huge amounts of complaints, shoddy/non existant customer service and masses of court cases from customers who’ve been scammed and lost money. It’s hugely publisised the problems that they’ve had. There’s websites dedicated to those that have fell fowl to them on the net, that’s never a good thing. My account was closed long ago (by me) so yes, I and many others I know do not trust them with their money. Their standards and customer service is appauling and they are indeed a devious establishment (perfect word  :cheer:)

I agree they are closely watched and I believe they’ve been succesfully sued many times. Even they aren’t bullet proof with their immense size and indeed do prove to not follow the rules, proven by the fact they are sued by customers.

I’ve never held money within my online accounts for long so never fear losing it to be honest. It’s rare that any co holds your money, especially as a buyer (it’s transfered from your bank) so losing money is hard as a buyer. Sellers are in more danger tbh. The shorter the time my money spends online the better, it’s safer in my account (and more enjoyable  ;))

Although I understand you not wanting to use processors (I remember being dubious too) I don’t think it’s nice to essentially say don’t trust them enough to keep your money with them. I believe they’ll make every effort to look after us and at the mo there’s no reason to think otherwise, as opposed to Paypal who give me oodles of reasons not to. Just my opinion though and I’m strict on who I use.

smt

[Author]

Posts