iLLuSi0nS Posted June 9, 2009 Share Posted June 9, 2009 Hi, I have been with 1st national bank and authorize.net for about 2 years now, and it started off well, now they are throwing in charges left and right. I am now getting charged an additional $120 a year for something called the PCI compliance fee, is anyone else getting these charges or is it just me? I get charged $18 from my merchant, $8 statement fee plus $.25 for each batch and $.25 for each transaction, and 2.19% for visa and master card and of course the extra $120 a year for the new PCI compliance fee which comes out to $10 a month Can anyone tell me if I am getting ripped off or not? Thanks guys ( I am in the US) 0 Quote Link to comment Share on other sites More sharing options...
turtlepirate Posted June 9, 2009 Share Posted June 9, 2009 There are some merchant accounts that charge this fee every year so I believe it is normal: http://community.freshbooks.com/forums/viewtopic.php?id=3271. I know that CDGcommerce doesn't that's why I'm going to sign up with them. 0 Quote Link to comment Share on other sites More sharing options...
UNIXIELHOST Posted June 9, 2009 Share Posted June 9, 2009 I would suggest you go with CDGcommerce and I loved it 0 Quote Link to comment Share on other sites More sharing options...
merlinpa1969 Posted June 9, 2009 Share Posted June 9, 2009 Did you ask them WHAT the $120 was for? It might be a discounted rate for trustwave to complete your pci compliance 0 Quote Link to comment Share on other sites More sharing options...
UNIXIELHOST Posted June 9, 2009 Share Posted June 9, 2009 CDGcommerce doesnt charge $120 something like that. I suggest you switch to CDGcommerce so you wont be charged with slash silly charges. 0 Quote Link to comment Share on other sites More sharing options...
MACscr Posted June 9, 2009 Share Posted June 9, 2009 If you process credit cards, you have to be pci compliant. While CDG doesnt mandate it at this point, VISA and MasterCard do. Its going to cost you about $75-$150 a year to get your quarterly scans anyway. 0 Quote Link to comment Share on other sites More sharing options...
merlinpa1969 Posted June 9, 2009 Share Posted June 9, 2009 If you process credit cards, you have to be pci compliant. While CDG doesnt mandate it at this point, VISA and MasterCard do. Its going to cost you about $75-$150 a year to get your quarterly scans anyway. This is why I suggested that you ask them what the $120 is, I know that Linkpoint has a deal with securitymetrics... you pay for your scan through linkpoint but its ALOT cheaper than doing it on your own 0 Quote Link to comment Share on other sites More sharing options...
UNIXIELHOST Posted June 9, 2009 Share Posted June 9, 2009 This is why I suggested that you ask them what the $120 is, I know that Linkpoint has a deal with securitymetrics... you pay for your scan through linkpoint but its ALOT cheaper than doing it on your own If you would like to know, contact your merchant provider and see what they have to say. 0 Quote Link to comment Share on other sites More sharing options...
merlinpa1969 Posted June 10, 2009 Share Posted June 10, 2009 If you would like to know, contact your merchant provider and see what they have to say. Isnt that what I have said 2x I listed linkpoint as an example, ( I only know this cause I deal with them on a DAILY basis ) 0 Quote Link to comment Share on other sites More sharing options...
iLLuSi0nS Posted June 10, 2009 Author Share Posted June 10, 2009 Hey guys thanks for all the replys, I really appreciate your help. I called my merchant and they said that its a fee that Visa and Mastercard charge them, and there is no way to avoid it, it started 3rd quarter of 2008. Its basically a useless fee that they just want to steal from you. I went to a website and filled out a form and answered questions and it gave me a certificate that made me PCI compliant, but even with that, you will still be charged that fee annually. I called bank of america and a few other companies to switch to their merchant plans, and they told me that they dont charge the PCI compliance fee. They said you must be PCI compliant, but there is no charge for it. CDG sounds good, but maybe they will start charging this fee later on? Thanks 0 Quote Link to comment Share on other sites More sharing options...
UNIXIELHOST Posted June 10, 2009 Share Posted June 10, 2009 CDGcommerce wont charge it, thats why I went with them 0 Quote Link to comment Share on other sites More sharing options...
iLLuSi0nS Posted June 10, 2009 Author Share Posted June 10, 2009 Well, I appriciate the referral, but the problem is that even with the PCI appliance charge with my current merchant, CDG is still more expensive. CDG is charging like 25 a month, my guys are charging 17 a month with no minimum. 0 Quote Link to comment Share on other sites More sharing options...
turtlepirate Posted June 10, 2009 Share Posted June 10, 2009 $25/mo! Where were you looking? It's only $10/mo w/ free gateway + no minimum! The rates are low and they throw in a bunch of other free stuff, and there's no contract termination fee. And of course no "pci compliance fee". As long as your in compliance, then it should be wrong of merchant companies to charge a yearly fee. I can understand them charging that much if you weren't in compliance, but that's not the case with you. I'd find someone else. 0 Quote Link to comment Share on other sites More sharing options...
iLLuSi0nS Posted June 10, 2009 Author Share Posted June 10, 2009 $25/mo! Where were you looking? It's only $10/mo w/ free gateway + no minimum! The rates are low and they throw in a bunch of other free stuff, and there's no contract termination fee. And of course no "pci compliance fee". As long as your in compliance, then it should be wrong of merchant companies to charge a yearly fee. I can understand them charging that much if you weren't in compliance, but that's not the case with you. I'd find someone else. You must not have authorize.net because CDG is charging 25 a month for authorize.net, you must have the cheaper Quantum Gateway, which I will not use. Thank anyway 0 Quote Link to comment Share on other sites More sharing options...
MACscr Posted June 10, 2009 Share Posted June 10, 2009 You must not have authorize.net because CDG is charging 25 a month for authorize.net, you must have the cheaper Quantum Gateway, which I will not use. Thank anyway Will not use or cant use? If you will not use it, why? 0 Quote Link to comment Share on other sites More sharing options...
turtlepirate Posted June 10, 2009 Share Posted June 10, 2009 That is a bit high for an auth.net account. I can't say much about Quantum Gateway as I haven't signed up yet but as far as I have read it is just as solid as Authorize.net which is why I will try it. 0 Quote Link to comment Share on other sites More sharing options...
UNIXIELHOST Posted June 10, 2009 Share Posted June 10, 2009 Sir, I use CDGcommerce Quantum Gateway with my WHMCS and it works like breeze! 0 Quote Link to comment Share on other sites More sharing options...
iLLuSi0nS Posted June 11, 2009 Author Share Posted June 11, 2009 Yes, I am sure it works great, but I like authorize.net and they have proved to be superior then anyone else. I have used them for years, and I really dont have any technical reasons why they are better, but they are the #1 gateway, and I would like to stick with them. 0 Quote Link to comment Share on other sites More sharing options...
elikem Posted June 19, 2009 Share Posted June 19, 2009 I would suggest you go with CDGcommerce and I loved it How are people getting cdgcommerce to work with whmcs when it is not list on the payment gateway list? I want to use cdgcommerce as well. once i get the account what do i need to do to get it integrated since it is not on the whmcs list? 0 Quote Link to comment Share on other sites More sharing options...
nhouck Posted August 3, 2009 Share Posted August 3, 2009 How are people getting cdgcommerce to work with whmcs when it is not list on the payment gateway list? I want to use cdgcommerce as well. once i get the account what do i need to do to get it integrated since it is not on the whmcs list? Look closer, it is there. 0 Quote Link to comment Share on other sites More sharing options...
aushops Posted August 3, 2009 Share Posted August 3, 2009 I changed to Paypal 0 Quote Link to comment Share on other sites More sharing options...
DedicatedPros Posted August 3, 2009 Share Posted August 3, 2009 PayPal will rip you off worse than any other merchant (ok not PayPal itself but clients will). All anyone needs to do is file a dispute with PayPal stating that their product was not received and most of the time PayPal will refund the payment. The only way to prevent this is to send invoices or something else to the client via mail so you can give PayPal a tracking number, than they p**s off (I don't feel like getting another infraction so I just starred that out lol) 0 Quote Link to comment Share on other sites More sharing options...
D9Hosting Posted August 3, 2009 Share Posted August 3, 2009 PayPal will rip you off worse than any other merchant (ok not PayPal itself but clients will). All anyone needs to do is file a dispute with PayPal stating that their product was not received and most of the time PayPal will refund the payment. The only way to prevent this is to send invoices or something else to the client via mail so you can give PayPal a tracking number, than they p**s off (I don't feel like getting another infraction so I just starred that out lol) Digital goods and services aren't actually covered by PayPal's seller protection policy, so as long as you stress that the service you are providing is not a physical item PayPal will rule in your favour. If you check in the "Seller Agreement" the part you are looking for is 11.10 (On the UK PayPal site anyway!) It's also worth knowing you can get much lower fee's charged if your income through PayPal is a certain amount each month - for us Brits the 1st discount tier is £1,500 per month at which point the fee's go down from 3.4% + £0.20 GBP to 2.9% + £0.20 GBP. It then goes on a sliding scale until your income is £55,000 per month at which point your fees would go down to 1.4% + £0.20 GBP. But it isn't done automatically, if you reach any of the tiers you need to get in touch with PayPal to get the special rates. You can find more details by logging into your PayPal account, clicking on "Fee's" then "1.4% to 3.4% + £0.20 GBP" (Or whatever the equivalent is for your country) 0 Quote Link to comment Share on other sites More sharing options...
DedicatedPros Posted August 3, 2009 Share Posted August 3, 2009 Digital goods and services aren't actually covered by PayPal's seller protection policy, so as long as you stress that the service you are providing is not a physical item PayPal will rule in your favour. How would this help?? The last time I had a dispute filed against me PayPal granted the refund just because dedicated hosting isn't a physical product, so its not covered by their policy. Do you mean to stress that my service isn't physical to the clients or to the PayPal staff during the dispute process? It's also worth knowing you can get much lower fee's charged if your income through PayPal is a certain amount each month - for us Brits the 1st discount tier is £1,500 per month at which point the fee's go down from 3.4% + £0.20 GBP to 2.9% + £0.20 GBP. It's not income they look at but the revenue, don't mix those up as the difference is immense 0 Quote Link to comment Share on other sites More sharing options...
D9Hosting Posted August 3, 2009 Share Posted August 3, 2009 (edited) How would this help?? The last time I had a dispute filed against me PayPal granted the refund just because dedicated hosting isn't a physical product, so its not covered by their policy. Do you mean to stress that my service isn't physical to the clients or to the PayPal staff during the dispute process? It's not income they look at but the revenue, don't mix those up as the difference is immense You should stress it to the PayPal staff during the dispute process, you could even quote the section showing them where digital products/services aren't covered. If you send them a copy of any email correspondance between you and then client then that's even better, we haven't lost a dispute yet Edit: Just to point out I'm referring to disputes with the genuine PayPal account holder as the disputing party, in the case of a hijacked PayPal account which was used by spammers, then it's very unlikely you'll win the dispute. Edited August 3, 2009 by D9Hosting 0 Quote Link to comment Share on other sites More sharing options...
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