Comparative Study of Checks vs. Credit Cards for Subscription based merchants

GonZo · 2007-03-15, 11:23 AM

I thought you might like some direction in showing the webmaster community
exactly how unreliable and risky their service is. Try the following,
screen cap it or do whatever you know how to do to document the process and
expose these guys as the risk that they are to the adult industry and the
merchants who use them.

1. Go to site www.fuckherright.com as an example. Click to Join.

2. Put in a blatantly fake name like Donkey Dick. Enter a zip code. Enter
a bogus email. Select the check option. Submit.

3. Enter any City name. Enter in any Driver’s License # such as 123456789.
Leave other defaults as they are.

4. Highlight terms link and take screen shot showing where the terms point
to.

5. Click on terms to show they use xxxxxx terms even though the site owner
holds themselves out as the merchant account holder. IOW, This site is
using xxxxxx as a gateway. Ron Levy uses xxxxxxx as a 3rd party if you want
to look there as well and duplicate.

6. Go to FDIC.gov and search for ABA and grab a random aba that you find in
search results

7. Put in fake info for every field and whatever ABA you locate (make sure
its small town bank) The ABA needs to be valid. Make up an account number
between 7-11 characters. It will likely not hit an actual account and be
returned as such to xxxxxx. It appears that they do submit this to the ACH
network.

8. Submit transaction and you should be accepted.

9. Login into members area.

Note that they have 2 pre-checked cross sales and that the terms and age
verification box is also pre-checked. It goes without saying, but a free
trial turns into 5 charges. I know I don’t have to tell you what this means
for the future of their ACH processing. I think merchants who use them as
well as the adult community should be aware of the risk they pose to the
industry as well as the risk merchants have in their recurring database by
using these guys.

Good luck and have fun.

Yours truly,
An anonymous webmaster who would like this to be kept anonymous by allowing
you to expose them on your own. Do not reply to this email. It will not be
checked.

2007-03-15, 11:23 AM	#16
GonZo You can now put whatever you want in this space :) Join Date: Apr 2003 Location: Atlanta,Ga Posts: 893	I thought you might like some direction in showing the webmaster community exactly how unreliable and risky their service is. Try the following, screen cap it or do whatever you know how to do to document the process and expose these guys as the risk that they are to the adult industry and the merchants who use them. 1. Go to site www.fuckherright.com as an example. Click to Join. 2. Put in a blatantly fake name like Donkey Dick. Enter a zip code. Enter a bogus email. Select the check option. Submit. 3. Enter any City name. Enter in any Driver’s License # such as 123456789. Leave other defaults as they are. 4. Highlight terms link and take screen shot showing where the terms point to. 5. Click on terms to show they use xxxxxx terms even though the site owner holds themselves out as the merchant account holder. IOW, This site is using xxxxxx as a gateway. Ron Levy uses xxxxxxx as a 3rd party if you want to look there as well and duplicate. 6. Go to FDIC.gov and search for ABA and grab a random aba that you find in search results 7. Put in fake info for every field and whatever ABA you locate (make sure its small town bank) The ABA needs to be valid. Make up an account number between 7-11 characters. It will likely not hit an actual account and be returned as such to xxxxxx. It appears that they do submit this to the ACH network. 8. Submit transaction and you should be accepted. 9. Login into members area. Note that they have 2 pre-checked cross sales and that the terms and age verification box is also pre-checked. It goes without saying, but a free trial turns into 5 charges. I know I don’t have to tell you what this means for the future of their ACH processing. I think merchants who use them as well as the adult community should be aware of the risk they pose to the industry as well as the risk merchants have in their recurring database by using these guys. Good luck and have fun. Yours truly, An anonymous webmaster who would like this to be kept anonymous by allowing you to expose them on your own. Do not reply to this email. It will not be checked.