Can't buy tobacco with Master Card???

[c2000]

Christ,,,down the road I swear I'm going to do time for having or buying some smokes.....


Jerry in Minnesota.

[kansashat]

Originally Posted by c2000

Christ,,,down the road I swear I'm going to do time for having or buying some smokes.....


Jerry in Minnesota.

They'll have to peel my cigar from my cold, dead fingers...

[Ron1YY]

Originally Posted by SheepCigars

Let me put a few in.

Federal laws prohibit business from processing charges for gambling, tobacco such as cigarettes etc. Not exactly true. This restriction pertains to INTERNET sales Tobacco is considered "High Risk" because the rate of chargebacks is high Again, not exactly true, Retail tobacco is not in the High Risk catagory. Many merchants process cards "offshore" because card processing overseas is not as regulated as it is in the USA. Card company's or more exact their settlement banks get pressured by our federal goverment to not accept tobacco purchases It is not the Federal government, but the Credit card associations that regulate the type of sales that are and are not acceptable. Cigars tend to be left alone but not entirely and then that "shit" happens. When I was being reviewed for credit card purchases the settlement bank made sure there was no loose tobacco on my site. It is not just loose tobacco, but the return and refund policies and other aspects of your site that was reviewed Its complicated this is the process:

1. Credit Merchant Processor ie: First DataOne of many and the most restrictive of the processors
2. Credit Card Reseller ie: An independent agency that handles your Account with the Merchant ProcessorThat is your sales rep, ALWAYS go directly to the processor
3. Payment Gateway from website to card processor ie: Authorize.netOne of thousands, You can find one that costs less and is easier to integrate with your site
4. Processor who is the original Credit Merchant approves transactionThe processor passes the transaction through to the credit card associations and gets the approval from them, not the other way around
5. The transaction must go through a final approval from the settlement bank (The ones being pressured by the Feds).The settlement bank does not have the authority to approve or discard transactions. Once there is an approval code assigned to the transaction from the credit card associations they MUST, by federal law, pass the transaction and funds to the merchant's account on file
6. Money gets transferred to Merchants bank account

See my comments above in blue.

If this is what you have been told by the company/sales rep that does you processing, find a better company that will explain it to you more accurately


Ron

[SheepCigars]

Originally Posted by Ron1YY

See my comments above in blue.

If this is what you have been told by the company/sales rep that does you processing, find a better company that will explain it to you more accurately


Ron

Ron Thanks Again to clarrify things, but it's always a thing to consider what a company does vs what the Fed's pressure you to do. ie: Drinking Age of 21, any state can make drinking legal at any age but the Feds pressure the states by refusing the state funds if they go below 21.

It wasn't things the Reps told me about it. But the research I did and the run around that I got and finally was able to settle on a reseller

5. The transaction must go through a final approval from the settlement bank (The ones being pressured by the Feds).The settlement bank does not have the authority to approve or discard transactions. Once there is an approval code assigned to the transaction from the credit card associations they MUST, by federal law, pass the transaction and funds to the merchant's account on file

To clarify a bit more its up to the bank in the final approval process when you sign up. For me the Bank made sure I did not have loose tobacco etc. But more importantly The Feds ARE going after the banks about buying tobacco. There was a recent case in which certain banks are not allowed tobacco purchases.

Cigars tend to be left alone but not entirely and then that "shit" happens. When I was being reviewed for credit card purchases the settlement bank made sure there was no loose tobacco on my site. It is not just loose tobacco, but the return and refund policies and other aspects of your site that was reviewed

But the products you sell can ultimately decide your aproval. Some companys just won't touch you. No matter what your policys are. Examples are Rx Drugs, Guns, Auto Parts, and of course tobacco.

[ChasDen]

Been using MC for all my online purchases from all sources including JR's and never had a problem or seen that kink of warning or box pop up.

Chas

[jjirons69]

I have a MC debit card. Never a problem.

[ActionAndy]

Originally Posted by Rev2010

Man, reading stuff like this and all the info about tobacco legislation really makes me feel like I'm in World War II Germany. It just disgusts me that this "great" country allows people to impose their values upon everyone else. And sadly, it will just keep getting worse. Can't the people learn from similar events in history such as the Prohibition?


Rev.

This is the most truthful thing I've read on this board in a while.

[walleyedad1]

my MC card works also

[walleyedad1]

Now I have had a problem of it not working when there was'nt enough money in there.

[Hermit]

I use Mastercard at pipesandcigars.
The statement even reads: Habana Premium Cigar.

[Prospector]

I got that same pop-up message today from JR. I was just buying a Lampe Berger though so the purchase went through (I hope).

[Bubba -NJ]

Originally Posted by kansashat

They'll have to peel my cigar from my cold, dead fingers...

They'll have to pull mine out of my cold dead mouth cause I'm gonna have a hunk a metal in my hands that they can try to pry out of my cold dead grip . Bastages !