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	<title>The DAP Blog &#187; Rants</title>
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		<title>2CheckOut.com: Useless For Digital Product Sellers</title>
		<link>http://www.digitalaccesspass.com/blog/2010/02/2checkout-useless-for-digital-product-sellers/</link>
		<comments>http://www.digitalaccesspass.com/blog/2010/02/2checkout-useless-for-digital-product-sellers/#comments</comments>
		<pubDate>Wed, 03 Feb 2010 19:54:53 +0000</pubDate>
		<dc:creator>Ravi Jayagopal</dc:creator>
				<category><![CDATA[Announcements]]></category>
		<category><![CDATA[Rants]]></category>

		<guid isPermaLink="false">http://www.digitalaccesspass.com/blog/?p=272</guid>
		<description><![CDATA[We recently wasted 2 precious days working on 2checkout.com integration for DAP &#8211; only to find out at the end, that 2CO puts every single transaction through a forced, offline &#8220;Fraud Check&#8221; process that could take up to 48 hours to complete. Which means, when your buyer hits the &#8220;buy&#8221; button on your site to [...]]]></description>
			<content:encoded><![CDATA[<p>We recently wasted 2 precious days working on 2checkout.com integration for DAP &#8211; only to find out at the end, that 2CO puts every single transaction through a forced, <em>offline</em> &#8220;Fraud Check&#8221; process that could take up to 48 hours to complete.</p>
<p>Which means, when your buyer hits the &#8220;buy&#8221; button on your site to become a member, agrees to pays $9.97 or $17 or $27 or $97, whips out their credit card, enters all of the information, hits &#8220;Pay&#8221;, and now can&#8217;t wait to access your product that you have spent so much time and money in marketing it to them &#8230;</p>
<p>&#8230; in comes 2CO and <em>completely sabotages</em> your entire effort.</p>
<p>Because it could 2CO up to 48 hours to actually put the charge through.</p>
<p>Which means, the payment is in limbo for 48 hours.</p>
<p>As the seller, you won&#8217;t get the money for 48 hours.</p>
<p>You&#8217;re not even guaranteed of getting the money, because the transaction could be flagged as &#8220;fraudulent&#8221; based on some crazy internal policies or rules.</p>
<p>On the flip side (and this is worse), your buyer doesn&#8217;t get access to the product he just paid you for, because obviously you can&#8217;t give them access to your super-duper-product, because you haven&#8217;t even received the money yet!</p>
<p>And if after 48 hours, 2CO comes back and rejects the purchase, there is nothing you can do about it.</p>
<p>Now remember, this is not the buyer&#8217;s credit card issuing bank that&#8217;s saying it&#8217;s a fraudulent charge. This is not a chargeback.This is not Amazon (the merchant) who is doing an &#8220;internal check&#8221; before shipping your product to you.</p>
<p>This is just the stupid middle man &#8211; 2CO &#8211; based on their &#8220;blackbox&#8221; investigations, deciding that it&#8217;s an invalid purchase.</p>
<p>Which means your buyer who had a valid card, and has money in his account, just got his purchase rejected.</p>
<p>And you were just stripped of a sale.</p>
<p>I would be shocked if any digital or information product sellers are using 2CO at all.</p>
<p>If you are, then please comment below and enlighten me as to how you are going about doing that. Maybe I&#8217;m missing something. But most probably, I&#8217;m not.</p>
<p>Because when we tested it ourselves making a test purchase, we saw first-hand what a disappointed buyer and an outraged seller would experience.</p>
<p>2Checkout: Fail.</p>
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