Sellers with merchant accounts may want to keep this fax number for future reference:
To list items on eBay using merchant credit card, please provide the
following:
- a valid copy of your most recent merchant processing statement from a
bank/financial institution or is from an ISO/MSP.
Fax this information to (408) 904-7387.
Wally
eBay Fraud Prevention
//
From eBay Stores Forum
http://forums.ebay.com/db2/thread.jspa?threadID=520008242&tstart=0&mod=1220451520715
Has anyone went through this Credit Card Processing Verification?
ddh_**** (1307 ) Sep-01-08 20:49 PDT
Please forgive me if this has been discussed, but I couldn't locate a
thread anywhere. I was in the process of updating all of my listings
through TL, to remove money orders and checks, and add credit cards as
an option, and when I went to upload them, I received this error
message:
Attention!
We noticed that you chose to offer credit card as a payment option. To
confirm that you can support this process, please fax a copy of your
most recent merchant processing statement to (408) 904-7387. Please
ensure the statement is complete and includes all pages.
Please include your eBay user ID, phone number and email address in the fax so that we can contact you.
While we confirm your merchant credit card account, you can
continue listing items on eBay with PayPal as the payment method.
PayPal is convenient to use and offers buyers and sellers protection
against fraud, chargebacks, and theft of financial data.
While we confirm your merchant credit card account, you can continue
listing items on eBay with PayPal as the payment method. PayPal is
convenient to use and offers buyers and sellers protection against
fraud, chargebacks, and theft of financial data.
Has anyone been through this process? I'm just wondering how long it
will take, and if it's even worth it. It's really starting to look like
they're trying to do everything they can to force us all to accept
Paypal only, without coming right out and saying it.
mrbu**** (1101 ) Sep-02-08 06:36 PDT 1
It seems by your ebay listing choices you have indicated to them that
you have your own merchant account outside of the paypal and ebay
stream.
If this is fact I would go through with the ebay verification. I am
not experienced with it but I would think it should not be a big deal.
But as is with anything and ebay they could turn it into procedure.
Joe
Heres my sign
mini**** (994 ) Sep-02-08 06:48 PDT 2
I'm not sure I'd trust ebay or their representative who may be on the
other end of that fax who may not even be in this country or speak
english. I'm not sure I'm willing to fax info that would be so easily
abused when I don't know where or to whom it is going.
sand**** (3441 ) Sep-02-08 07:20 PDT 3
I am with you on this one mini. No way would I provide Ebay with my
AuthorizeNet account information. That includes my account and merchant
numbers. If Ebay wants to establish a working relationship with the
merchant account providers to verify it that's one thing. Faxing them
MY transactions I don't think so! Not with their software security
being like Swiss cheese. How would Ebay guarantee that information
would not be hacked and jeopardize my own business off Ebay? I vividly
recall that my business information walked out the door in a briefcase
with a Paypal employee. Fool me once, shame on you. Fool me twice shame
on me.
ddh_**** (1307 ) Sep-02-08 09:03 PDT 4
That was my reaction too mini. I do have an Authorize.net merchant
account, and I did indicate that I can accept credit cards, because I
can. I do not, however, feel safe faxing them this financial
information. They are "just a venue" after all, so why is it any of
their business?
I guess I could send it to them, and black out all of the account
numbers and important financial information. After all, Authorize.net
tells us to keep our account information safe. I wonder what they would
think about Ebay asking us to send it to them?
Let's see, we can't accept cash, checks, or money orders, and now we
can't accept credit card payments, unless we reveal our financial
information to Ebay, where it may or may not be handled privately. I
guess that leaves... Paypal. There's a shock.
mdov**** (8319 ) Sep-02-08 09:11 PDT 5
Won't you have to provide your merchant account information to eBay
next year when all payments must be electronic through Payflow? How
else will you be able to attach your merchant account/authorize
information to Payflow?
ddh_**** (1307 ) Sep-02-08 09:26 PDT 6
If I have to enter the information myself, on a secure site, that is
one thing. But sending my financial information via fax to just anyone
who might be walking by at the time it comes in, is another.
There was not a department mentioned, a person's name to fax to, etc. Just a fax number.
At this point, they have not completed the secure checkout, which will
link to our merchant account. Right now, customers will have to call me
to pay over the phone, so there is no need for them to have my merchant
account number.
sand**** (3441 ) Sep-02-08 09:39 PDT 7
mdove9 at the point that Ebay becomes a portal for those payments the
process would be set up thru Authorizenet, Payflow, and Ebay at the
developer level. Most likely would a software program where the
information would be input by the seller and verified thru the merchant
account processors. Not by some entry level or midlevel Ebay employee
who has a desk piled high with unsecured faxes. Nope, that simply is
not an option IMO. By having the merchant number and account number
Ebay could seriously jeopardize all your transactions. If Ebay forces
the issue I would heavily censor what information Ebay was able to view
on those pages. They would not get clean copies of my monthly statments.
ddh_**** (1307 ) Sep-02-08 09:52 PDT 8
Each credit card now sends a separate statement out every month, and
there is no way I'm sending them a copy of those. I just faxed them a
copy of my auth.net gateway statement, and a copy of my auth.net
merchant profile page, with the merchant ID blacked out. I told them
that if they needed this number, they could feel free to call me, and
explain why they needed it, and after I verified who they were, I would
think about giving it to them.
The information I faxed them shows them what types of credit cards I
accept, how long I've had the account, and has my business name,
address, and telephone number on it. This should be all the information
they need to verify that I do have an account, and I am able to accept
credit card payments. My merchant ID is not necessary.
ddh_**** (1307 ) Sep-02-08 09:54 PDT 9
And Sandra, you should be right about the software program. When I
integrated auth.net with my main website, I input my gateway id and
password into a secure site, and set it up that way. I didn't have to
fax any information to any unknown fax number, and my hosting service
never asked me for it.
sand**** (3441 ) Sep-02-08 11:25 PDT 10
ddh favors when you finish the process please post your results. I will
be interested in hearing what Ebay agrees to accept in this process.
ddh_**** (1307 ) Sep-02-08 15:16 PDT 11
Response from Ebay:
Thank you for submitting your merchant processing statement to eBay.
I have completed our review, but was unable to confirm the statement
provided because Authorize.net is a payment gateway service and not a
direct processor.
In order to list on eBay using the merchant credit card payment
option, you will need to provide proof of a merchant credit card
account with a
processor that is a recognized ISO or MSP associated with a bank or financial institution.
- What is an ISO/MSP (Independent Sales Organization / Member Service
Provider)?
An ISO/MSP Is a company that works on behalf of a bank to set up and
manage merchant accounts.
To list items on eBay using merchant credit card, please provide the
following:
- a valid copy of your most recent merchant processing statement from a
bank/financial institution or is from an ISO/MSP.
Fax this information to (408) 904-7387.
- If you are unable to obtain a statement in a timely manner, you can
also provide the contact details for the agent that is responsible for
your merchant credit card account through that processor. Please include
their phone number AND extension so that we may verify directly. You can
provide this information in an email instead of a fax if you like.
While we confirm your merchant credit card statement, you can continue
listing items on eBay with PayPal as the payment method. More
information about Selecting Payment Methods You'll Accept can be found
at the following link:
http://pages.ebay.com/help/sell/payment-method-accepted.html
Thank you for your time.
Sincerely,
Wally
eBay Fraud Prevention
It is my Wells Fargo bank information they are wanting, as Wells
Fargo is the bank that funds my transactions through Auth.net. This is
completely insane!!
sand**** (3441 ) Sep-02-08 15:20 PDT 12
ddh do you think they want eonlinedata's contact information?
ddh_**** (1307 ) Sep-02-08 15:27 PDT 13
To be honest, I don't think they know what they want. I don't get any
kind of monthly statement from Wells Fargo because I use their online
reporting. So, I generated a monthly transaction summary for the last
month, and e-mailed that to them, along with my Internet Merchant
Account Number, and the contact information for Wells Fargo.
I honestly don't think this will be enough. I think they will continue
requesting more information so I give up and just offer Paypal as a
payment method. This is their way of ensuring that happens.
sand**** (3441 ) Sep-02-08 16:04 PDT 14
ddh favors I contacted Authorizenet's Live Help and you are correct.
Use the statements that AuthorizeNet sends to determine which bank. (I
am off to go look at my statements. I don't even know which bank I am
affiliated with. That's sad too.)
ddh_**** (1307 ) Sep-02-08 16:12 PDT 15
When I first applied for an account with auth.net, I was contacted by a
Wells Fargo rep, and it was Wells Fargo who checked my credit. Back in
March, they split all of the services, and I received a welcome e-mail
from Wells Fargo, that contained a Wells Fargo merchant ID. I am
assuming this is the information they want.
This is all so silly at this point. If they had the integration
complete, it would be one thing. But they don't need the information
right now.
chop**** (2780 ) Sep-02-08 16:17 PDT 16
ebay accepts faxes?
hmmmm
Woot!
.
.
micro_merchant (0 ) Sep-02-08 19:34 PDT 17
eBay is demanding more information than is required to accomplish
eBay's stated goal. eBay only wants verification that the seller indeed
has a merchant account.
So eBay can buy an item from this seller and pay by credit card. The
charge will bear a transaction ID won't it? If not, then ebay can
specify a secret shipping address (12345 Road to Hail, Box
1899546374456338). The seller reads bac the secret code and
confirmation done.
But this isn't what eBay wants, is it.
micromerchant
"A Name Is a Link"SM
ddh_**** (1307 ) Sep-02-08 21:15 PDT 18
eBay is demanding more information than is required to accomplish eBay's stated goal.
You can say that again. I'm waiting for their request that I surrender
my first born in order to sell here. She's a pre-teen, and full of
attitude, so I'm not sure they will like what they get.
I am still waiting on a response to the latest information I faxed to them, so we'll see what happens. 
micro_merchant (0 ) Sep-02-08 22:26 PDT 19
At some point the demands become coercive. Coersion to use PayPal at the exclusion of others. And it becomes unlawful.
Are we there yet?
micromerchant
"A Name Is a Link"SM
mini**** (994 ) Sep-03-08 07:18 PDT 20
Chop sees the possibilities...good call chop.
//
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Continuing the trend of terse press releases, Farhad Irani "
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The Hype of Mobile Payments
The Hype of Mobile Payments
14 April 2012
EventHorizon1984
There is a growing trend of companies playing fast and loose with the "mobile" descriptor. When these folks talk "mobile" payments, sales, etal., readers/listeners are guided to the assumption that any statistics given are solely for smart phone transactions. Which is not true.
"There are a lot of people talking about mobile payments these days."
John Donahoe, 2012
"I do not think it means what you think it means."
Inigo Montoya, The Princess Bride (1987)
By example, eBay paid writer Richard Brewer-Hay stated, "eBay Inc. anticipates continued growth in mobile sales and payments in 2012 as shopping on smartphones and tablet devices." Qualifying "mobile sales and payments" are not only smart phones.
So what is a "mobile" or "mobile payment"?
A standard definition of mobile payment:
"Any payment where a mobile device is used in order to initiate, activate and/or confirm this payment can be considered as a mobile payment. This definition includes a wide palette of approaches, and points out the fact that mobile payments do not restrict themselves to payments via the mobile phone but virtually any mobile device such as a smartphone, PDA, tablet PC or even merchant-operated mobile terminals."
IEEE Symposium on Trends in Communications (SymptoTIC '04), 24-26 October 2004, Bratislava, Slovikia.
Or if you prefer United States based and short:
"Mobile Payment - Payment initiated from a mobile device."
Mobile Payments in the United States
Mapping Out the Road Ahead
Federal Reserve Bank of Boston, Federal Reserve Bank of Atlanta, BetterBuyDesign, March 25, 2011
Now a few are asking, 'smart phone, mobile, what's the big deal?'
It's a matter of choice to be completely factual, or choosing to be fast and loose with the details.
"we live in a mobile home. That's a cave that goes places. Only we never went anyplace." Alex Rogan
"A mobile cave that never went anywhere. Fascinating." Grig
The Last Starfighter (1984)
The Merriam-Webster definition of mobile is, "capable of moving or being moved".
By this definition, some companies are loosely telling the truth about "mobile". While that definition of "mobile" is an excellent means of inflating numbers, it is misleading.
Again by example, selected at random a link to point-of-sale (POS) mobile terminals:
http://www.networksolutions.com/merchant-accounts/retail-pos.jsp
These are POS devices that use cell phones for connectivity. As written for one device, "mobile payment processing through your 3G/3GS/4G iPhone".
Note they state "mobile payment processing", i.e. mobile payment.
By one standard definition, these are "merchant-operated mobile terminals".
Let's suppose you're small warehouse seller Acme Widgets. With these mobile devices, in 2011 you processed $1 million in credit card transactions. Acme Widgets could state factually, mobile payments in 2011 reached $1 million. Or state they processed $1 million in transactions through smart phones. Even though they processed zero customer initiated smart phone payments.
Anyone with similar portable, read mobile, POS systems can make the same claims. It's truthful, but nevertheless inflating the mobile payments numbers.
By the way, next time you're shopping at a brick-and-mortar, check out the wireless POS devices. Wireless systems are considered Merriam-Webster mobile. Like your wireless mobile laser printer.
You might ask, 'why bother massaging numbers, mobile payments are huge.'
"eBay's global mobile GMV reached $5 billion in 2011"
Richard Brewer-Hay, 11 January 2012
$6.0 trillion - 2011 total volume of transactions
Visa Inc
While we believe in the future mobile payments will be huge, as a percentage of eCommerce and Commerce today, they are rather small.
The figures for eCommerce as a percentage of total Commerce:
This percentage tracks rather well with numbers from a handful of brick-and-mortar stores:
In the case of Walmart, "2011 online sales amounted to less than 2 percent of its $264 billion in U.S. revenue".
Let's shrink the pie further.
The figures for United States mobile payment/m-commerce:
Worldwide the numbers are:
Yes that would be United States eCommerce is 5.5% of Commerce. With m-commerce being 2% of that 5.5%.
What should you take away from this article? The next time you see someone waving a smart phone and saying $Blahblah "mobile", look for the specific dollar amount breakdowns attributed to smart phones and other devices by region.
Bet you won't see any.
/*
"In 2011, PayPal's net total payment volume, or TPV, for transactions using mobile devices reached $4 billion"
eBay INC Form 10-K, 31 January 2012
http://www.frbatlanta.org/documents/rprf/rprf_pubs/110325_wp.pdf
"U.S. financial institutions have not offered mobile financial payments because of a perceived lack of a good business case, although the growth of mobile banking implementations and recent mobile payment trials signal this may be changing."
Federal Reserve Bank of Boston, Federal Reserve Bank of Atlanta, 25 March 2011
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Posted on 14 April 2012 at 12:45 in Amazon, Business, Commentary, eBay, EventHorizon1984, PayPal, Web/Tech | Permalink | Comments (1) | TrackBack (0)
Technorati Tags: eBay, eCommerce, Federal Reserve Bank, John Donahoe, m-commerce, Macy's, mobile payments, PayPal, Richard Brewer-Hay, Sears, smart phone, smartphone, tablet devices, Target, VISA, Walmart
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