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Being refused merchant services on the ground of business not ethical

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  • 23-08-2011 12:04pm
    #1
    pavelpro
    Registered Users Posts: 176 ✭✭


    Was waiting for nearly a month for the answer and eventiually got refusal with explaination - we think this is unethical business. Same business models exists for many years in UK and US with millions of turnover. Me getting good numbers too even if its only 2month of trading for us.

    What you think is it worth to push and change their mind regarding desission or just forget and try with another bank?

    Quite anecdotical situation for me - where been their ethic at the Time of Anglo Irish?

    Thanx


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    #2
    DoMyBooks
    Registered Users Posts: 355 ✭✭DoMyBooks


    pavelpro wrote: »
    Was waiting for nearly a month for the answer and eventiually got refusal with explaination - we think this is unethical business. Same business models exists for many years in UK and US with millions of turnover. Me getting good numbers too even if its only 2month of trading for us.

    What you think is it worth to push and change their mind regarding desission or just forget and try with another bank?

    Quite anecdotical situation for me - where been their ethic at the Time of Anglo Irish?

    Thanx

    I've seen this happen before in the past. Personally I would move on, The time spent fighting them probably isn't well spent.


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    #3
    business bloomer
    Registered Users Posts: 106 ✭✭business bloomer


    pavelpro wrote: »
    Was waiting for nearly a month for the answer and eventiually got refusal with explaination - we think this is unethical business. Same business models exists for many years in UK and US with millions of turnover. Me getting good numbers too even if its only 2month of trading for us.

    What you think is it worth to push and change their mind regarding desission or just forget and try with another bank?

    Quite anecdotical situation for me - where been their ethic at the Time of Anglo Irish?

    Thanx

    Hey, are you looking to get merchant services to sell online? If so, with PayPal you don't need it.


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    #4
    smcgiff
    Closed Accounts Posts: 5,943 ✭✭✭smcgiff


    Try a different bank.

    Some banks might have it in their Memos & Arts not to deal with certain businesses i.e. arms companies etc.

    Not saying this is the case in this instance, but as an example why a bank may have to turn you down.


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    #5
    mikemac
    Closed Accounts Posts: 19,986 ✭✭✭✭mikemac


    Different companies have internal rules

    Yes, arms are an obvious one
    But some banks won't deal with sports trading or gambling while others will have no issue with that.
    And while you are Irish there are certain countries that are blacklisted so if you have a director or links to there you'll be turned down.

    They can pick and choose their customers, move on and try another service provider


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    #6
    The Apprentice
    Registered Users Posts: 1,130 ✭✭✭The Apprentice


    try rabbo bank.. their offshore arent they..


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    #7
    DubTony
    Registered Users Posts: 3,269 ✭✭✭DubTony


    I just want to know what constitutes an unethical business. What do you do pavelpro?


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    #8
    pavelpro
    Registered Users Posts: 176 ✭✭pavelpro


    DubTony wrote: »
    I just want to know what constitutes an unethical business. What do you do pavelpro?

    The business is custom cv and essay writing.

    smth like this site http://www.customessays.co.uk/ (not mine)

    Thanx everyone for suggestions i will definitely move to another provider :)


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    #9
    The Apprentice
    Registered Users Posts: 1,130 ✭✭✭The Apprentice


    Well i think ure mad ...

    I have an seo article writing website and i only take paypal.. thats it. U could add paypal, moneybookers and 2checkout or a few other large ones.
    Why are u bothering with merchant services my friend.. it seems like its overkill ??? Ure trying to excude professionalism for something that isnt needed.


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    #10
    smcgiff
    Closed Accounts Posts: 5,943 ✭✭✭smcgiff


    pavelpro wrote: »
    The business is custom cv and essay writing.

    smth like this site http://www.customessays.co.uk/ (not mine)

    Thanx everyone for suggestions i will definitely move to another provider :)


    From the linked website... 'Is 100% mistakes-freeand has an elaborated manner of writing' :D

    Yeah - I can see why the bank would turn you down to be honest. At least porn is legal to over 18s.


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    #11
    Sponge Bob
    Banned (with Prison Access) Posts: 25,234 ✭✭✭✭Sponge Bob


    Try Worldpay...the business model is only as good as the last cut copy n paste operation by a 'content management associate' of course :p


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    #12
    han090
    Closed Accounts Posts: 5 ✭han090


    smcgiff wrote: »
    From the linked website... 'Is 100% mistakes-freeand has an elaborated manner of writing' :D

    Yeah - I can see why the bank would turn you down to be honest. At least porn is legal to over 18s.
    Did you not read the part where he clearly states that it's not HIS website, but simply an example of the service he provides?


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    #13
    smcgiff
    Closed Accounts Posts: 5,943 ✭✭✭smcgiff


    han090 wrote: »
    Did you not read the part where he clearly states that it's not HIS website, but simply an example of the service he provides?

    I did, what's your point?


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    #14
    The Apprentice
    Registered Users Posts: 1,130 ✭✭✭The Apprentice


    smcgiff wrote: »
    I did, what's your point?

    This is a clear case of not seeing the wood from the trees



    Snide comment about a bank turning him down, with an obvious relevancy to the above website.

    "At least porn is legal to over 18s...."
    Tell me what part of writing essays or dissertations for people isnt legal ??


    Again.. insulting the above website and their grammitical errors has NOTHING to do with the pavelpro.. Thats the point.... Dear moderator


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    #15
    han090
    Closed Accounts Posts: 5 ✭han090


    The apprentice nailed it.


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    #16
    CoNfOuNd
    Closed Accounts Posts: 270 ✭✭CoNfOuNd


    A normal merchant provider won't give you an account until you have a significant level of trade. I don't know your current level of trade but I would recommend that if you're starting off use PayPal and if business is booming then apply for PayPal merchant account and they'll let you accept credit cards. You'll get a comparable fees rate to the bank and less hassle.


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    #17
    smcgiff
    Closed Accounts Posts: 5,943 ✭✭✭smcgiff


    The Apprentice wrote: »
    "At least porn is legal to over 18s...."
    Tell me what part of writing essays or dissertations for people isnt legal ??

    What's your definition of legal? Statutory, Legislative, Referendum, Case Law, Bye-Laws?

    Any student that signs up to take exams is subject to the bye-laws of the college. Plagerism will lead to anything from reduced award to being kicked out of college. The college would be well able to defend such a course of action in a court of law.
    The Apprentice wrote: »

    Again.. insulting the above website and their grammitical errors has NOTHING to do with the pavelpro.. Thats the point.... Dear moderator

    Well done, you've got that right. The insult, as you put it, has nothing to do with pavelpro as it was obvious the website was not his. So, I ask again, Dear Registered User what is the point?


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    #18
    The Apprentice
    Registered Users Posts: 1,130 ✭✭✭The Apprentice


    pavelpro wrote: »
    The business is custom cv and essay writing.

    What's your definition of legal? Statutory, Legislative, Referendum, Case Law, Bye-Laws?

    Answer a question with a question ??


    The business is custom cv and essay writing

    What are u talking about "Any student that signs up to take exams is subject to the bye-laws of the college. Plagerism will lead to anything from reduced award to being kicked out of college. The college would be well able to defend such a course of action in a court of law."

    Your under the assumption from what u viewed on that other site that he is indeed selling dissertations and essays to college students. I didnt see this anywhere either written or implied..

    Maybe perhaps its the fact that an essay could not be used for anything else other than college ?? I for one disagree strongly.

    The facts are evident.. i think that holds up in a court of law more so than your opinion.

    Also he.s supplying a service.. its got nothing to do with him what these people do with his essays after they leave the office. Plagerism or not

    Just like a car salesman.. "he doesn't care if u pop the curb in a rage and mow down 30 people"


    Seriously how long must this go on.. again wood from the trees..


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    #19
    smcgiff
    Closed Accounts Posts: 5,943 ✭✭✭smcgiff


    To: The Apprentice
    From: The Master

    Are you even reading the thread or are you just baiting me?

    The OP wrote - "like this site http://www.customessays.co.uk/ (not mine)"

    It's unlikely he plucked the website out of thin air, and was referencing it for a reason - and is certainly implied. He posted this website in the context of him being turned down by the bank for ethical reasons. The Essays in the website are specifically for students. I can only go on what has been provided.

    You'll note the OP has not come back on to disagree with what's been said.


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    #20
    The Apprentice
    Registered Users Posts: 1,130 ✭✭✭The Apprentice


    Ya your right. The end !


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    #21
    pavelpro
    Registered Users Posts: 176 ✭✭pavelpro


    Hi guys thanx for advices, i'll move on to the next bank. Currently i have paypal company
    Account and happy with it but as backup looking for the merchant with the local bank. I will repeat the site i provided in earlier posts was picked randomly from gooogle.


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    #22
    -Chris-
    Closed Accounts Posts: 12,035 ✭✭✭✭-Chris-


    Is the person who wrote the website also one of the essay writers?
    There are plenty of sentences in the home page that just read wrong.


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    #23
    smcgiff
    Closed Accounts Posts: 5,943 ✭✭✭smcgiff


    Access denied


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    #24
    The Apprentice
    Registered Users Posts: 1,130 ✭✭✭The Apprentice


    I have a similar site, but its seo content articles for websites and blogs, its more keyword density with h1 tags and all that jazz. I dont think you could possibly advertise and accomplish 33 pages of quality phd material for $3000 with a deadline of 8hrs..
    I think you could possibly set a minimum timeline on those to be fair.
    If your writing your own material that's cool but if your outsourcing it, it will take that and longer to get in contact with your writer if you have him sourced already.


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    #25
    smcgiff
    Closed Accounts Posts: 5,943 ✭✭✭smcgiff


    smcgiff wrote: »
    Access denied

    Couldn't access this from my phone, but could from my PC.

    Is there a reason your site is UScentric only? Is there scope to adapt it to the Irish/UK market or are the source of the materials American?

    You take paypal, but currently say you take credit cards also - is this incorrect?

    I still see why a bank would see this as being unethical.


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