Guard your identity-beware of websites offering free sample and you pay shipping/how to tell a phony blog

Of course most sites that rebill your credit card every month are honest but things to watch out for!

Bill

The Acai Berry Rebill Scam
19 Apr || by Will Brink
Posted in General Brinkzone Stuff, General Health, General fitness info
Don’t Fall For The Acai Berry Rebill Scam

Scams come and go in the supplement industry, and while apparently this one has been going on a while, it’s a big one. Acai Berry a berry from South America, which like all “miracle foods” before it, promises to cure pretty much everything, is right at the heart of a scam which has cost the US public millions of dollars and a lot of frustration.

Acai is sold for everything from weight loss, muscle building, and anti aging, to a cure for cancer.

Minus of course a drop of real science to support the claims and marketed as “the world’s No. 1 super-food” and other BS … Interestingly, this scam has two faces, one the product itself, the other, the real biggie, the way it’s billed. Par for the course with such products, the marketing hype far surpasses the science.

Let’s talk about the billing scam first.

Although not only associated with Acai products, this scam seems to have gone hand in hand with Acai products presumably because people are so desperate to lose weight they will buy into anything that looks like it’s got the edge.

The scam often goes like this:

You click on some tantalizing advert somewhere and find a web site offering a free bottle of product or a website showing you where you can get a free bottle of the supplements.

Generally speaking you initially end up on a fake blog, you can spot them a mile away , they tend to be called something like “Janets-weightlossblog.com” ( I made that up , no idea if it exists) .

The blog / website shows faked testimonials, and before and after photos of “Janet” which have clearly been edited with software like Adobe Photo Shop, Janet , by the way , doesn’t exist, never did, Janet is typically just a stock photo grabbed from the internet, the name a figment of the scammers imagination.

“Janet” then goes on to explain how she tried everything, blah blah, and how she set up the website just to “help” people out like her, she then goes on to explain how she used this amazing product and how you can get a bottle for free and also lose 30lbs in 30 days.

The websites often show Youtube videos of Oprah or a major news outlet, supposedly correlating the ridiculous claims about the product. Fortunately for the scammers I guess nobody actually clicks and plays the videos because they tend to have absolutely nothing to do with the claims being made by the website promoting the product.

In fact it would seem Oprah and other celebrities are trying to sue the firms promoting Acai using their images or suggesting they support their ludicrous claims.

Back to the fake blogs.

The person who set this fake blog/website up then gets paid by the advertiser everytime somebody takes out the free trial. (Note, I’ve also actually seen them setup fake newspaper websites as well as blogs, these guys are pretty tricky).

You’re probably thinking , how can they get paid if the product’s being given away for free, read on my friends….

It’s only “FREE” on the surface, it’s actually anything but FREE.

Here’s the nasty part of the Acai Berry rebill scam.

They charge a “nominal fee for shipping and handling”, like $5, this has little to do with the handling and everything to do with getting your credit card details.

What follows then are unauthorized credit card charges – some up to $80 per month – that can’t be stopped.

This has happened all over the ‘net, and people have had to cancel their credit cards to get it to stop. Sure, some companies have gotten nailed for this, but many still get away with it. For example, according to an ABC News Report:

“FWM Labs, based in Hollywood, Fla., maintained a Web site promoting acai capsules. The site offered a “free” sample for a nominal fee for shipping and handling.

What followed, authorities say, were unauthorized $80 monthly credit card charges that couldn’t be stopped.

WPLG, ABC’s Miami affiliate, tried to talk with the company in person — and was referred to the company’s attorneys.

Alleged victims said they had to cancel their credit cards to get charges to stop. FWM finally agreed to pay $200,000 in penalties, refund millions to customers and stop its allegedly misleading marketing.”

The Take Home Lesson on the Rebill Saga..

Lesson here folks, nothing of this nature is truly free, so if you see one of these fake blogs or fake newspaper sites offering free product that you just have to give your credit card info to cover shipping and handling fees – be it an acai product or other – be wary.

There’s nothing wrong with paying monthly for legit supplements, or a wine club or indeed a myriad of other things but if you end up at one of these fake blogs then run a mile, “Janet” never existed, your card will be rebilled for huge amounts each month, you won’t be able to contact the company , they won’t take your calls, the only option will be to cancel your card.

I should note that these guys running the Acai Berry rebill scam also rebadge Acai Berry for numerous uses, weight loss, colon cleanse, muscle building, there’s even some running for penis enlargement and confidence boosters. Beware , these guys come in many forms, but the websites are pretty easy to suss out.

So what of acai itself? Yes, it’s a berry – like many others – loaded with anti oxidants, and like many such fruits, may have some potential health benefits. It has no real weight loss effects, will not cure cancer, will not improve your libido, etc.

Food scientist in the U.S., at Texas A&M University, Dr. Steve Talcott sums it up well in the ABC News report

“It’s not a miracle berry, unfortunately. It is superior in antioxidants; it does have a very high antioxidant capacity. There is some really unique chemistry to the fruit. But it’s not a drug. It’s not a miracle, cure-all fruit. I mean this is a dietary component. The recommendation is to incorporate these fruits into our diet, but don’t use them as drugs.”

Brink Bottom Line: Acai – like most “super foods” that make ridiculous promises not supported by the science, are usually sold via multi level marketing companies (MLM) and or fly by night ‘net based companies, and my faith in both is non existent. Acai, like most dark fruits, berries, etc is high in anti oxidants, and perfectly healthy as part of an overall nutrition and exercise plan, but don’t get swept up in the marketing hype, and what ever you do, don’t fall for the re bill scam by giving out your credit card info for a “free” bottle of product.

If somebody you trust doesn’t recommend it and it’s asking for your card details and you found it from some scammy looking blog, then my advice – run a mile in the opposite direction.

If you find any links to these fake blogs then let me know, we will out them.


Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/review/44659273
http://paymentconsulting.net/adv_funding.html
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have everlasting life.

These days we are facing an economic crisis and need to prepare ourselves more effectively for the recovery – to discover opportunities, identify potential partners looking for opportunities, looking for a reason to hope. Now it’s a good idea to ask: how could my product/service provide opportunities in today’s economic climate?

A Google Checkout Glitch Raises Doubts About Alternative Payments

one more reason not to use Google checkout or PayPal

A Google Checkout Glitch Raises Doubts About Alternative Payments

(September 15, 2009) Google Inc. has apparently fixed a weeks-old problem with its Google Checkout online-payments system that prevented merchants from processing recurring transactions, such as subscription fees. While Google says the little-publicized glitch affected only a small number of merchants, other observers say this and outages experienced by other alternative payment services—such as PayPal Inc.—raise questions about their reliability in comparison to traditional card processors.

The fix for Google Checkout apparently went live Tuesday morning, according to an online forum hosted by the payment service. The forum displays posts from merchants reporting the issue dating back to Aug. 17. In response to questions from Digital Transactions News, a Google spokesperson would not disclose how many merchants were affected by the outage. “I can say it’s a small number,” she says in an e-mail message.

The problem affected what the spokesperson calls “Google-handled” recurring payments, or those that have been set up by the merchant to be processed automatically, for example, on a monthly basis. So-called merchant-handled payments, or those the merchant manually enters each time they recur, were not affected, the spokesperson says. She did not address questions regarding the cause of the glitch or why it took so long for Google engineers to fix it. Nor, apparently, can affected merchants get answers from Google’s automated service feature. “I’ve heard nothing from Google,” Katie Braband, sales director at Datto Inc., a Wilton, Conn.-based company that markets data-backup services through resellers, tells Digital Transactions News. Her travails, along with the first account of the problem with Google Checkout’s recurring-payments service, came to light last week in a story posted by Cnet, a high-tech information service.

This is the second time in as many months that a service outage has caused problems for merchants using online payments services offered by so-called alternative players. Early in August, the failure of an unidentified piece of network hardware at PayPal interfered for several hours with the ability to send or receive payments worldwide (Digital Transactions News, Aug. 4). The glitch at Google Checkout also comes as the payments service is looking to extend itself into promising new markets, such as micropayments (Digital Transactions News, Sept. 10).

“This obviously hurts Google’s credibility as a payment provider, and strengthens the claim of established companies like CyberSource, RBS WorldPay, Chase Paymentech, First Data, and others that small merchants should pay the extra money to go with them, because part of what you are buying with that money is reliability and customer service,” says Aaron McPherson, practice director for financial services at IDC Financial Insights, a Framingham, Mass.-based consulting firm, in an e-mail message. Google Checkout’s rates for payment processing were notably lower than for services like PayPal’s until this spring, when the service increased its pricing and did away with a long-standing policy of offering free processing to users of Google’s Adwords service.

Braband, who says Datto first noticed on Sept. 2 that its subscription fees weren’t processing, would not say how much these amounts come to on average. “We’re talking about substantial payments each month,” she says. She says a reserve requirement Google Checkout had imposed on the company had already spurred it to develop an in-house payments gateway, which it plans to begin using by the end of the month. The recurring-payments glitch, she says, was “icing on the cake” for Datto in making up its mind to move away from Google Checkout.

Recurring payments are a relatively new service for 3-year-old Checkout, which introduced the feature only in March as a “beta” product, says the Google spokesperson. But the service may not have received the same engineering resources as other Google products. “Payments is not a core business for Google, and does not appear to get the same level of attention as some of the other services,” McPherson notes.


Bill Hoidas
Consultant Manager Larger B2B/MOTO/Internet Accounts
Product Development Manager
Matrix Payment Systems
(847) 381-3482 office
(847) 381-4289 fax
http://paymentconsulting.net
http://chicago.citysearch.com/review/44659273
http://paymentconsulting.net/adv_funding.html
John 3:16 For God so loved the world, that he gave his only begotten
Son, that whosoever believeth in him should not perish, but have everlasting life.

These days we are facing an economic crisis and need to prepare ourselves more effectively for the recovery – to discover opportunities, identify potential partners looking for opportunities, looking for a reason to hope. Now it’s a good idea to ask: how could my product/service provide opportunities in today’s economic climate?

New MasterCard and Discover Processing Requirements

Authorize.Net
Merchant Login

April 7, 2010

Related Links

Partial Authorization FAQs
Merchant Interface

New MasterCard and Discover Processing Requirements

Your Payment Gateway ID is: 327342
Dear Authorize.Net Merchant:

MasterCard and Discover are modifying their rules concerning the processing of debit, prepaid and gift cards. This e-mail includes important information about the new requirements and the timelines regarding Authorize.Net’s support of the requirements, so please read it thoroughly.

MasterCard’s rule changes go into effect May 1, 2010, and Discover’s rule changes go into effect April 16, 2010. However, Authorize.Net, MasterCard and Discover have worked together to extend these dates for all merchants using Authorize.Net solutions. Our merchants will now have until June 30, 2011, to implement support for the requirements within their systems.

What are the requirements?
MasterCard and Discover are requiring that all merchants support the following:
+ Balance response transactions — For prepaid and gift cards, once the card has been used, the remaining account balance will be transmitted along with the authorization response. The remaining balance must be printed on the customer receipt, displayed on the Web page or point-of-sale terminal, or both.
+ Partial authorization transactions — When a customer’s transaction amount exceeds the balance available on their debit, prepaid or gift card, instead of declining the transaction, a partial authorization for the amount available to the customer will be returned. This will allow the customer to pay for the remaining amount with another form of payment. This is called a split-tender transaction.
+ Authorization reversals — An authorization reversal is a real-time transaction initiated when the customer decides that they do not want to proceed with the transaction, or if the merchant cannot complete the transaction for any reason. Authorization reversals free up the customer’s available balance on their debit, prepaid or gift card.

What steps is Authorize.Net taking to support these requirements?
Authorize.Net will be updating our systems over the coming months to support the requirements, but will be dependent on each processor’s readiness. For a table of when we anticipate we will support the requirements with each processor, please visit http://www.authorize.net/support/pafaqs/#when.

What do I need to do to support the requirements?
The steps that you will need to take to support the requirements depend on how you connect to the payment gateway. For example, if you connect using a shopping cart, point-of-sale device, or other solution, you will need to contact your solution provider to confirm that they will be supporting the requirements. If you connect using a direct integration, you should contact your Web developer for assistance. Please direct your Web developer to http://www.authorize.net/support/pafaqs/#do for information on the changes they will need to make.

Do I have to support the requirements?
MasterCard and Discover are requiring all merchants to support the requirements with the exception of merchants that exclusively process transactions via batch uploads, mail order/telephone order (MOTO), or recurring payment transactions. Your Merchant Service Provider (MSP) is ultimately responsible for determining if the requirements apply to your business, so please contact them for assistance in determining if your company is exempt.

Once again, these requirements will not be enforced for Authorize.Net merchants until June 30, 2011. However, we wanted to bring them to your attention now so that you have plenty of time to plan for their implementation.

For more information on the requirements, including how they affect our value-adding services, please visit our FAQ page at http://www.authorize.net/support/pafaqs/.

Thank you for your attention to these important changes and for being an Authorize.Net merchant.

Sincerely,
Authorize.Net