why?

[mandykoper]

hello i was reading through the q&a and found out that pre-paid credit cards arent accepted, and i was curious if someone couldexplain why

[jazzy3098]

hello i was reading through the q&a and found out that pre-paid credit cards arent accepted, and i was curious if someone couldexplain why

What do you meen aren't accepted?  Do you meen on some offers or for pay outs?

[Madd4Money]

hello i was reading through the q&a and found out that pre-paid credit cards arent accepted, and i was curious if someone couldexplain why

Prepaid Cards are no longer accepted due to the fact that once a Sponsor realizes it is a "prepaid" card and not a "credit" card, they deny payment for the offer.  Credit Cards can have recurring payments put on them, and although a Prepaid Card can have a recurring payment put on it (as I have done this) there is no guarantee the Sponsor will be paid on a recurring charge.  They can only be paid if you have enough money on your card and that is not a "guarantee" for them.

I hope this explanation helped. 

[froggyjoe]

I can see thier point on that one. Id be skeptical to take them too.

[amwalker34]

hello i was reading through the q&a and found out that pre-paid credit cards arent accepted, and i was curious if someone couldexplain why


I can definitely understand your frustration for sure.  I have also done prepaid cards in the past to keep better track of my spending as well as to protect my identity.  Let me ask you a quick question... does this particular card have your full name on it or just the card number?

The reason why I'm asking is because if your name isn't on the card any where that could be the reason why advertisors aren't accepting them.  Like a no guarantee that the card for sure belongs to you.  Just a thought....     

[Kohler]

All pre-paids, whether or not they have your name on them, are not allowed.

[mskittyn08]

All pre-paids, whether or not they have your name on them, are not allowed.

i only use prepaid credit cards and alot of the offers take em all the time.

[LendaL]

While i have never used a pre-paid...(i dont believe sites should feature pre-paid cards as an offer then say 'oh dont use this here' just my opinion)i can understand why folks would only want to use them, as well as why advertisers would hesitate taking them..

You wont have to go thru all the drama that occurs when shady advertisers decide to dip into your account, while saying : " im sorry ma'am i see you DID contact US
BEFORE the trial period ended" meanwhile a big azz overdraft fee is staring u in the face...
Advertisers are in the business of making money, so im sure it is hell to try and dip into someones account again...find out its a prepaid and there is not enough money to cover your fee's, it hurts the honest advertisers alot more then the crooks im sure...

but on a side note..my thought is this...if you werent on a  gpt site...used a prepaid card with one of the advertisers that are listed on gpt sites -those folks advertise all over the damn net- and everything went as planned, why is it a big deal that the same card cant be used while on a gpt site??..we all know people are still using pre-paid cards, but as long as the advertiser didnt get screwed, got his lead..sold his product etc...'snitching' would do his business more harm then good i imagine. we all know, people tend to talk about such things in forums such as these,

LendaL wouldnt even trust some of these advertisers with a dang prepaid card...

[Kohler]

Because people are filling orders for 50 bucks with a card that only has 2 bucks (or less) on it. So to keep our advertisers happy we have said NO to all use of a prepaid card. And a company should never charge you for something that is not listed somewhere on their site.

[LendaL]

Because people are filling orders for 50 bucks with a card that only has 2 bucks (or less) on it. So to keep our advertisers happy we have said NO to all use of a prepaid card. And a company should never charge you for something that is not listed somewhere on their site.

I get that ...but my point is..that would happen whether they went thru a gpt site, or NOT...Im not 100% sure but i think there is a way to tell if a card is prepaid or not before it even goes thru for payment on an advertisers site...and if there is such a way, i feel its up to advertisers to utilize those controls and not leave it up to some gpt site owner....advertisers play around with offers all the time..anybody that has done Generous Genie offers an not gotten credit for even ONE of them while others ALWAYS get credit for them know what im talking about...and up until two weeks ago, it was .."use a different email address as often as possible"...now MID offers and those associated with those offers insist on members using the same email address...i know FC doesnt use those advertisers, but im just making a point about them having more control over issues then they care to implement on their own...

..guess its no big deal to me one way or the other..im not using any credit card again until site owners get as picky about whether an advertiser is an honest as they want their site members to me...and i have only come across two sites that do that...

[Kohler]

"GPT" sites are paid for valid leads from that original company. Meaning Blockbuster pays us to bring them unique and honest leads, and people using a prepaid have no interest in the offer 99% of the time and are using a prepaid so they do not have to cancel, so they can not get charged, and still get credit for that offer. There have been several revokes, meaning the advertiser pulls the money back out of our pocket for false leads, over the past month or so and sorry to say but if your credit is revoked, most likely you will not be allowed to FusionCash any longer.

[Administrator]

A few things...

1) There is no reliable way that I know of to detect a prepaid card at the point of purchase.  The only method that has any chance of working is "pre-authorizing" for the full amount that they intend to bill -- for example, an offer that costs $9.95/mo after a $1.95 7-day trial might 'charge' the $1.95 immediately but place a 2-3 day 'hold' on $9.95 to ensure that you are able to pay for the first month should you decide to continue the service.  Since people generally don't understand the difference between a posted 'charge' and a pending 'hold', this isn't often done -- users tend to call the company and complain about the "charge" immediately (despite the fact that no such charge has actually occurred).  Luckily, more and more credit-card-required offers are implementing this as time goes by.

2) When an advertiser tries to bill a credit card and it gets declined, it often costs them a fee of anywhere from a few cents to a few dollars.

3) If a significant portion of an advertiser's attempted billings are declined (usually the cutoff is 1-5% of total payments), Visa/MC/AmEx levy significant fees.  Major advertisers have incurred five and six digit bills as a result of excessive declines.  Often, and especially if the decline rate is especially high, the credit card merchant account will get shut down completely such that a company can no longer accept credit cards at all.

At the end of the day, it's the advertisers that pay both FusionCash and you - the user.  So I hope you can understand the policy against prepaid credit cards - because they can easily sink an advertiser.

That said - if it's a purchase offer like ShoeBuy where you're just making a one-time purchase with no further commitment, prepaids are fine.  They'll either get accepted or declined at the point of sale so there's no chance for future/repeated declines.