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Что такое ccbill

Биллинг-сервис CCBill   CCBill – это глобальная процессинговая биллинг-сервис компания электронной коммерции, расположенная на территории Америки в Аризоне. Компания была основана в 1998 году и предоставляет своим клиентам биллинговые услуги, а также осуществляет прием платежей для интернет-торговцев через дебетовые карты, кредитные карты или электронные чеки. С системой работает множество веб-мастеров и владельцев торговых интернет-площадок по всему миру, в том числе из стран СНГ. Для отечественных веб-мастеров система представляет больший интерес как инструмент для приема платежей с пластиковых банковских карт зарубежных покупателей.

Чтобы воспользоваться биллинг услугами, пользователю необходимо выбрать партнерскую программу, через которую он будет регистрироваться в CCBill. При этом партнерская программа должна работать с жителями страны, в которой проживает пользователь. В дальнейшем, для добавления других партнерских программ, значение страны проживания не будет иметь значения – это первичная мера при регистрации нового пользователя.

Выплаты будут поступать именно на тот почтовый адрес, который был указан при регистрации с первой партнерской программой. Связано это с тем, что система работает исключительно с представителями зарегистрированного интернет-бизнеса в Европе или Америке, в данном случае при регистрации, партнерская программа и будет выступать в качестве посредника для работы с системой.

About us

Bringing innovation, quality, and reliability to the merchant services market, CCBill was founded in 1998 in Tempe, Arizona. As one of the first third-party credit card processing service providers, CCBill was designed to fill a void in the booming ecommerce space.

Backed by new technologies and around the clock support, CCBill offered media merchants a simple way to monetize their content and accept credit card payments directly from their websites. From the beginning we realized the immense value of building a global payments ecosystem to help foster trusted relationships.

Today, with business, finance, infrastructure and resource centers throughout the U.S., and Europe, we help fuel the stability and growth of thousands of global businesses, and securely process billions of consumer transactions each year.

Contract length & early termination fee

It takes a little digging, but CCBill does disclose its Terms and Conditions (T&C) and Merchant Acceptable Use Policy (AUP) on its website. Other places on the website refer to a signup package, so be aware that, depending on the wording, the package could modify the T&C or the AUP. Read everything carefullybefore you sign up.

  • Section 7 of the T&C states that either CCBill or you may cancel the agreement at any time with a 10-day written notice. The company is pretty strict about the written part, so be sure to follow precisely the process outlined in the agreement. If CCBill feels you’ve broken the terms of the T&C or violated the AUP, it also may either give you a chance to correct the issue or terminate the agreement immediately.
  • If you cancel the agreement, you must not use the same acquirers or service providers CCBill uses to process your payments for one year. CCBill will also hold your reserve fund and any of your other funds CCBill has on hand for six months to cover any late-filed chargebacks. Neither the T&C nor the AUP mentions an early termination fee.

We rate this section excellent mainly because the CCBill agreement can be terminated at any time by either side and because there’s no early termination fee in its contracts.

Fees & rates

Even the best high-risk providers usually don’t disclose specific rates and fees on their websites. That’s because they work with multiple back-end processors to find one that will accept your business. There is so much variability in rates and fees that it’s not practical to advertise specific numbers.

CCBill advertises three standard flat-rate plans, each designed for a particular type of business. There’s also an option for customized pricing available to high-volume businesses and features either customized flat-rate or interchange-plus pricing. Here are the highlights of the standard plans:

CCBill does not charge an account setup fee or monthly account fees for any of these plans. There is no monthly minimum or weekly minimum requirement. However, depending on your plan, there’s a minimum transaction size starting from $2.95. The Adult plan comes with a hefty annual fee, but on the bright side, there’s no fee for chargebacks or refunds.

There’s no cross-border fee for any of the plans.

You can find more details about pricing on the Pricing and Fees page on CCBill’s website.

Sales & advertising transparency

Almost uniquely among high-risk processors, CCBill has a very transparent website. The site features reasonably transparent disclosures, especially regarding various CCBill charges.

The company doesn’t appear to use independent sales agents to sell CCBill accounts. Instead, it seems to rely on an in-house sales team. We prefer to see this because in-house agents are generally much better trained and supervised than independent ones. We haven’t found any complaints from merchants about the company’s sales practices, so you can expect that your agent will be both helpful and honest when working with you.

As a tech-focused company, CCBill has a broad social media presence, with accounts on Facebook, Twitter, LinkedIn, and YouTube. While the content is essentially the same on all these platforms, it’s frequently updated and offers quite a bit of useful information for both prospective and existing clients. The company’s YouTube channel features a few educational videos for its FlexChat platform.

Contract length & early termination fee

It takes a little digging, but CCBill does disclose its Terms and Conditions (T&C) and Merchant Acceptable Use Policy (AUP) on its website. Other places on the website refer to a signup package, so be aware that, depending on the wording, the package could modify the T&C or the AUP. Read everything carefullybefore you sign up.

  • Section 7 of the T&C states that either CCBill or you may cancel the agreement at any time with a 10-day written notice. The company is pretty strict about the written part, so be sure to follow precisely the process outlined in the agreement. If CCBill feels you’ve broken the terms of the T&C or violated the AUP, it also may either give you a chance to correct the issue or terminate the agreement immediately.
  • If you cancel the agreement, you must not use the same acquirers or service providers CCBill uses to process your payments for one year. CCBill will also hold your reserve fund and any of your other funds CCBill has on hand for six months to cover any late-filed chargebacks. Neither the T&C nor the AUP mentions an early termination fee.

We rate this section excellent mainly because the CCBill agreement can be terminated at any time by either side and because there’s no early termination fee in its contracts.

Customer service & technical support

CCBill offers genuine 24/7/365 customer support via telephone, email, and online chat. Again, a lack of complaints from merchants about this area suggests that the support provided is of high quality.

For self-help, the company also offers its CCBill Merchant Support and CCBill Knowledgebase, as well as the aforementioned pricing page where you can look up CCbill charges. These are valuable resources and should be your first stop if you need to troubleshoot a problem. While they won’t solve every issue, they provide clear instructions for solving common problems and might save you from having to contact customer support.

Ccbill reviews, complaints, & common problems

Negative reviews & complaints

CCBill has been accredited by the BBB since 2022 and currently has an A rating. The company has had 34 complaints filed within the last three years, with 19 of those complaints filed within the previous twelve months. Its BBB profile also includes 71 reviews filed by consumers, with an average of 1.11 out of 5 stars. Many of these complaints come from the consumer, not the merchant side of things, however.

For a company of CCBill’s size, this is actually a relatively average number of complaints, although the volume of recent complaints could be cause for concern. Complaints include:

Positive reviews & testimonials

Despite all the complaints from consumers that have been misdirected at CCBill, the company does earn a couple of positive reviews on the BBB’s website and on Trustpilot. Here are some of the things merchants liked about CCBill.

Have you had any experience with CCBill (as a merchant, not a consumer)? If so, please tell us about it in the Comments section below.

Final verdict

CCBill stands out from its high-risk competitors by offering transparent pricing and very flexible contract terms. Upfront rate disclosures are almost unheard of among high-risk specialists, so we’re very impressed with the company for letting you know ahead of time what you can expect to pay. On the other hand, its rates are very high, especially its low-risk and nonprofit pricing. Indeed, it would be hard to recommend CCBill to low-risk businesses based on the company’s standard processing rates alone.

We do, however, recommend CCBill as a good merchant account provider for high-risk eCommerce merchants, particularly those in the business categories that the company specializes in serving. Adult-oriented businesses don’t get a whole lot of love in the payment processing department. That they have the option of using a processor as transparent as CCBill is borderline shocking.

CCBill earns a commendable overall score of 4.5 out of 5 stars. We like the transparent processing rates, lack of long-term contracts or early termination fees, lack of monthly account fees, and honest sales practices. We’re also impressed by the general lack of negative feedback from merchants (customers are, of course, another matter). We’d be more impressed, though, if the processing rates weren’t so high.

If you’re a high-risk eCommerce merchant, be sure to check it out! You might also want to check out our top-rated high-risk providers.

High-risk processing

When it comes to payment processing, not all businesses are treated equally. While CCBill doesn’t serve many high-risk business types, they do provide services to the following industries:

  • Adult-Oriented Businesses: CCBill claims it has over 20 years of experience with high-risk businesses. A closer look at its policies, however, reveals that the company specifically excludes most of the industries/items typically classified as high-risk: firearms, prescription drugs, medical devices, some software applications, certain offensive materials (as defined in the agreement), and more. The most obvious high-risk category that CCBill accepts relates to adult-oriented goods and services, and wording elsewhere on the CCBill website suggests that this is indeed the focus of its high-risk business.
  • Dating: CCBill has served the dating industry for over ten years and understands the industry’s unique needs. The company’s payment services can work from any device so that a service provider can manage different tiers of customers, from free-to-join to VIP payments.
  • Live Cams: CCBill understands that live cam operators want to keep viewers wanting more, and this means giving them a seamless way to pay for more time. CCBill has tools to give buyers a broad range of global payment options when paying for tokens, direct, subscription, or social broadcast access.
  • Fraud Protection: CCBill specializes in serving high-risk industries, so it’s used to seeing a lot of different types of fraud from customers. At no extra charge, the company provides fraud protection for its merchants to minimize chargebacks. CCBill uses a proprietary database with more than ten years of historical information and trained staff to spot unusual purchasing patterns or suspicious activity. Dubious transactions can be flagged for review or even automatically rejected.

Negative reviews & complaints

CCBill has been accredited by the BBB since 2022 and currently has an A rating. The company has had 34 complaints filed within the last three years, with 19 of those complaints filed within the previous twelve months. Its BBB profile also includes 71 reviews filed by consumers, with an average of 1.11 out of 5 stars. Many of these complaints come from the consumer, not the merchant side of things, however.

For a company of CCBill’s size, this is actually a relatively average number of complaints, although the volume of recent complaints could be cause for concern. Complaints include:

Payment processing & ecommerce support

As a payment processor, CCBill’s core features revolve around allowing businesses to take credit cards and similar non-cash payments.

Positive reviews & testimonials

Despite all the complaints from consumers that have been misdirected at CCBill, the company does earn a couple of positive reviews on the BBB’s website and on Trustpilot. Here are some of the things merchants liked about CCBill.

Have you had any experience with CCBill (as a merchant, not a consumer)? If so, please tell us about it in the Comments section below.

Sales & advertising transparency

Almost uniquely among high-risk processors, CCBill has a very transparent website. The site features reasonably transparent disclosures, especially regarding various CCBill charges.

Subscription billing

Since CCBill’s high-risk clientele have fairly specific needs, the company offers services that can make it easier for adult businesses and entertainers to implement their preferred payment models.

Services include the following:

Снятие средств в ccbill

CCBill   Один из основных вариантов снятия средств со счета в системе CCBill – это чеки, с которыми могут быть небольшие трудности у жителей стран СНГ, в силу их непопулярности в этих странах. С момента вывода средств со счета, чеки поступают по адресу пользователя почтовым отправлением, весь процесс может занимать от двух до трех недель. В некоторых банках при обналичивании чеков CCBill может потребоваться залог на тот случай, если чек окажется недействительным, в случае ошибки или обнуления чека системой – залог остается у банка. К счастью подобная банковская практика обналичивания чеков постепенно снижается. В качестве альтернативы обналичиванию чека в банке можно воспользоваться специальными сервисами, которые за определенную комиссию возьмут все хлопоты по обналичиванию на себя. В этом случае пользователь несет некоторые финансовые потери, но экономит большое количество времени. Минимальная сумма для вывода чеком – 25 долларов.
В случае утери чека или истечении его срока годности, пользователю необходимо обратиться в суппорт системы для перевыпуска нового чека аналогичной выплаты. Стоимость восстановления чека – 20 долларов. В единичных случаях, если у чека истек срок годности, то система может не взять деньги за его восстановление и восстановит бесплатно. В качестве альтернативы с чеком, у которого истек срок годности, есть возможность отправить его обратно в CCBill и не снятые средства будут приплюсованы к следующему платежу. Также возможен перевод на банковский счет. Этот вариант менее сложный, но за международные переводы снимается комиссия в размере 30 долларов. Минимальная сумма для выплат через банковский перевод составляет 100 долларов.
Учитывая своеобразную специфику работы системы CCBill, нередко у пользователей возникают различные вопросы, по которым сложно найти какую-либо информацию в Интернете. В таких случая лучше всего сразу обращаться в службу поддержки клиентов системы. К счастью для этого в системе есть несколько номеров ICQ, каждый из которых работает круглосуточно, а также единый электронный почтовый адрес и система LiveChat, которая на данный момент является самым простым и быстрым способом достучаться до команды поддержки CCBill.
Система CCBill завоевала свой немалый уровень популярности среди отечественных владельцев рекламных и торговых интернет-площадок. Основным недостатком системы является ее ограниченность в плане взаимодействия счетов с пользователями. Отсутствует возможность перевода средств со счета в системе в другие популярные платежные сервисы, что отпугивает многих потенциальных клиентов. Но CCBill не стоит на месте и продолжает активно развиваться, и возможно, в скором времени, выплаты средств станут не такими хлопотными.

Final verdict

CCBill stands out from its high-risk competitors by offering transparent pricing and very flexible contract terms. Upfront rate disclosures are almost unheard of among high-risk specialists, so we’re very impressed with the company for letting you know ahead of time what you can expect to pay.

We do, however, recommend CCBill as a good merchant account provider for high-risk eCommerce merchants, particularly those in the business categories that the company specializes in serving. Adult-oriented businesses don’t get a whole lot of love in the payment processing department. That they have the option of using a processor as transparent as CCBill is borderline shocking.

CCBill earns a commendable overall score of 4.5 out of 5 stars. We like the transparent processing rates, lack of long-term contracts or early termination fees, lack of monthly account fees, and honest sales practices. We’re also impressed by the general lack of negative feedback from merchants (customers are, of course, another matter). We’d be more impressed, though, if the processing rates weren’t so high.

https://www.youtube.com/c/CCBillBiz/videos

If you’re a high-risk eCommerce merchant, be sure to check it out! You might also want to check out our top-rated high-risk providers.

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