W4A為何取消Payza跟STP?－Gina Q

一封落落長的W4A通知信：

主旨：Welcome to Wealth4All IMPORTANT Updates Please Read
時間：2012/06/10

內容：大致解釋為何取消Payza跟STP的理由，還有釐清 Ipayout 的成本比較

大致翻譯如下 (如有翻譯不正確或不周到的地方，敬請直接回覆指正。感恩！)：

目前在美國銀行法律的規範下，第三方金流系統(Payza及STP)正被美國銀行業與美國政府監管機構監督和審查中，因為這些機構機並沒有跟隨美國銀行法規，仍然為法律中的漏洞。這些金流系統收取相當高額的手續費，當然在法律下，這些都是在美國銀行業所不能允許的。這些爭議點已經列入國會討論並且消費者保護機構的保護機制，迫使這些第三方的金流系統符合每個州的法律，否則將始的這些與金流系統合作的商家面臨非常嚴厲的處罰，甚至被監禁。

截至目前，我們有數十萬美元被限制在這些金流系統中，我們很難透過他們的系統獲得我們的錢。首先，他們自我們支付的錢中，賺取了相當多的利息收入，第二他們使用其他人的資金，以資助他們的企業，用他們的收費收入，甚至更多到離譜。

所以現在你知道我們的處境。這些金流系統對我們的處理方式如下：
當你透過這些金流系統儲值(存款)進W4A後台時，他們立即取得這些資金。並且跟w4a宣稱你已經支付，並且我們同意讓你購買Taps。但此時，我們並沒有收到你的資金(Notice we have not seen or have your money at this point)，但此時理論上可以這麼說，在這過程中你可以隨時請款，w4a必須實際透過我們的帳戶支付現金給你。但實際狀況是：我們就從金流系統或取他宣稱的虛擬貨幣，但我們需要支付真正的現金。所以才會限制每週期請款的上限為$3000美金！因為金流系統領款式即時的但是付錢給我們是一週後才給我們 (they take money immediately and take weeks to pay it back to us.)。

更糟的是，這些金流會依據他們自己的規範而增加我們資金的限制長達3至6個月，這是不對的！

所以原本我們宣佈6/30前停止STP的存款方式，也將立即停止，為了不被這些金流系統限制我們的資金，也就是所有會員的資金！你總不會希望自己的現金被保留限制6個月以上的時間吧！所以，2012/6/10 起，我們不再接受STP存款！我們已經在6/8停止Payza的存款。但是仍然可以接受STP的請款，直到我們消耗我們該帳戶的所有資金，並減少我們與他們的責任。

我們了解，這可能會讓我們的會員在不同國家有一些不便，但我們的決定，是為了保護我們的業務且能夠在長期的運作。且這是你的錢，我們這麼作是為保護大家的權益著想！大家都不希望錢被鎖定為6個月或更長的時間！別的MLM Companies 可以作不代表我們一樣可以作，這是他們的決定也是他們自己的業務跟如果遇到狀況也是他的問題！我們這樣做的目的是為保護我們的聯盟計畫與長久運作目標！

假如未來這些金流的政策可以解決，我們還是會重新使用這些金流機制。
很明顯的，沒有謠言或誤傳。我們的金流程序會越來越多，並且做得很好！我們有的是錢，我們的成員在現在和未來的照顧。如此採取的措施是為了避免失控的問題發生，以利保護我們的業務。我們的支付系統的I-Payout能夠支援全球各地，包括現金支付的存款和取款。這是一個事實，只是因為你不知道如何做到這一點，並不意味著它不能這樣做。我們提供給大家更好的選擇，請使用它，學習它，並保存在同一時間的錢。

有人提到有關ipayout的手續費成本過高，這點是不確實的。當你有比較過Payza跟STP時，你就會發現IPayout的優勢！雖然Payza跟STP在存款時沒有收取你的手續費用，但是在領款時將會收取7％～8％甚至更高的手續費，舉例如下：

存款的手續費
存款 $5,000.00 進去 Payza or STP:  手續費  $.0.00
存款進 I-payout 手續費 $35.00
看起來 I-payout 費用很高！

在金流帳戶互轉的費用：
Payza 跟 STP互轉的手續費：1.8% to 2.5%  用上面的例子來看, 你要轉移 $5,000.00 在 Payza 或 STP會收取  $90.00 到$125.00手續費
在 I-payout,電子錢包的互轉只要 $0.25 !

領款部份的手續費用：
STP 或 Payza 收取 5% 到 8%。所以以上面的例子 $5,000.00他將收取你$250到 $400美金的手續費！
在 I-payout, 即使你選擇最貴的領款方式，他最高也只收取 $40.00.一般 i-payout 到銀行只要 $1.00 美金到$6.50美金手續費.

所以讓我們看看所有的費用成本，都以5000美金進出舉例：

PAYZA AND STP 所有的成本 (DEPOSIT, TRANSFER,WITHDRAWAL)  $340.00
I-PAYOUT 所有的成本 (DEPOSIT, TRANSFER, WITHDRAWAL) $75.25

因此，對於金流系統還有一些問題的人，我們仍然接受存款直接到我們的銀行帳戶，你仍然可以使用西聯匯款或 MoneyGram 或可以甚至發送一個出納支票或匯票，直到你設置好跟學習使用I-Payout金流系統。

STP的存款將於2012/06/10(日)取消，隔日起僅提供STP提款功能！

Wealth4allteam Management
WEALTH4ALLTEAM INC.

原文如下：

As you re all aware by now from information floating on the internet and communication we have sent out to you, there are some developing situations with third party processors, i.e. Payza and Solid Trust Pay  that we want to address on this email so that you have a complete understanding of the decisions we have been forced to make in order to protect our program and YOUR money.

Third party processors have been involved in a battle with the US government regulators for over two and a half years as they have been working in the United States with minimum supervision and scrutiny.  The problem is the fact that they have been working and acting as banking institutions but have not followed United States banking regulations because of loopholes in the still current law.

The point of contention has been the fact that this processors have been charging very high processing fees which banks in the US would never be allowed to charge it's consumers under the same law.  This fight has gone to congress, lobbying institutions and many other avenues used by the people representing these processors and our consumer protection agencies.  What you are experiencing right now, is the culmination of those 2 and a half years of litigation.  Bottom line, our government protection agencies have put it on the hands of the States (where it belongs) and has forced the processors to comply with each of the states laws where they do business with or face very stiff penalties and even imprisonment.

In turn, the processors have taken drastic measures of their own trying to create pressure from the consumer community and actually blame our government for what's happening.  That could not be farther from the truth.  The point of the matter is, we the consumers (vendors and customers alike) are paying the price of this bickering.

As of right now, we have hundreds of thousands of dollars tied up with these processors and they are making it really hard for us to get our money out of their systems.  First, they are making a lot of money in interest income playing with our money, second they are making even more money using other people funds to finance their business ventures and third, their fees income is outrageous.

Now, so you understand what our situation is, let me explain how they are working with us.  When you deposit money into the Wealth4allteam account, they immediately take those funds from whatever source you are bringing them from.  Now they announce to us, you have paid and we allow you to buy TAPs in our system. Notice we have not seen or have your money at this point. Theoretically speaking, ten days from the date you bought your TAPs, you could start withdrawing money from wealth4allteam which we would have to pay you out with real money from our bank account (unless you withdraw from the same processor you put the money in).  So, we got paid from the processor with Virtual money and we paid you with real money.  This situation my friends can ruin our program, it would not take long to create an unbalance in the system and putting us in an upside down position.  Not only that, if we wanted to cover the withdrawals made by those deposits, we are only allowed to withdraw $3000.00 per transaction and not more than $9,000.00 per day !  So they take money immediately and take weeks to pay it back to us.

To make matters worse, they are also safeguarding themselves from what's going on with the law and they keep increasing our hold balance almost on a daily basis.  So that you understand, the hold balance is money that is being deposited into our accounts that we can not use for 3 to 6 months just because the business we are in.  THIS IS NOT RIGHT !  This people in essence are literally hijacking our funds and holding them hostage at their will, with no recourse from our side.

Well, we are done, playing games with these companies and we will not allow them to hold us hostage as a company and hold our affiliates money and we are putting a stop to this madness immediately.  In a previous communication we had announced that we were going to allow deposits into STP until June 30th 2012 but that is changing immediately as of this email.

AS OF SUNDAY JUNE 10TH, 2012 WE WILL NO LONGER ACCEPT DEPOSITS FROM STP. We already stopped deposits from Payza as of 06/08/2012 and we will only allow withdrawals from STP until we consume all the funds we have in that account and reduce our liability with them.

We understand that this may be an inconvenience to some of our affiliates in different countries, but we are making a business decision that at this time will protect and benefit our business and affiliates in the long run.  Please realize, this is your money we are protecting, I am sure you will all scream bloody murder if you could not withdraw your money from Wealth4allteam because we allowed deposits to third party processors and then the money gets locked up with them for 6 months or longer.

Some of you have made comments that this is not fair and that there are other MLM  companies out there that allow their members to deposit and withdraw from those processors, well, all I will say about that is the following, we are not those companies and whatever decisions they make in regards to their business is their problem.  Ours, is to protect our affiliates and our program, Period.

This problem is not going away and it's only going to exacerbate as time goes by and more processors will be involved also.  We are being proactive and not allowing a bad situation to become worse and affect our collective business.  If and when this situation with those processors is resolved, then we will evaluate the possibility to use them again for our business in the future.

In conclusion, and to be clear so there are no rumors or misinformation.  OUR PROGRAM IS GROWING, HEALTHY  AND DOING JUST FINE!  WE HAVE PLENTY OF MONEY TO TAKE CARE OF OUR MEMBERS NOW AND IN THE FUTURE.  This measures we are taking are so that we avoid a problem before it gets out of control and to protect our business.  When communicating with others about this situation, please use this email as a guide.  Also, Even though many of you are not aware of how to do it, our Payment system I-Payout has the capability of taking deposits and withdrawals from just about anywhere in the world including cash payments.  This is a fact, just because you are not aware of how to do it, does not mean it can not be done.  We have provided this as a better option for everyone, please use it, learn it and save money at the same time.

Some of you have communicated that the fees are too high from I-payout and that is just not true.  When you compare the fees from I-payout to companies like Payza and STP, I-payout will win 10 out of ten times.  Payza or STP may not charge you for depositing money with them, but then they take 7% to 8% or higher in some instances whenever you take money out of their system.  For those of you that are still not convinced, let me give you an example:

Deposit of $5,000.00 in to Payza or STP:  Fee  $.0.00
Deposit into I-payout (the most expensive example):  $35.00 (price of wire from bank)

At this point it looks like I-payout is more expensive right! Well, I gave you the highest fee available to some of the foreigner countries (the majority is only $6.50), in the US and Online banking allowed countries, this fee is less than $7.00.

Let's now look at your cost of moving money inside the processors:

Transfer of money from ewallet to ewallet in payza or STP:  1.8% to 2.5%  using the above example, for you to move $5,000.00 in Payza or STP it will cost you from $90.00 to $125.00

For I-payout, ewallet to ewallet transfer REGARDLESS OF AMOUNT is $.25 !

Let's look at withdrawals now: STP or payza charge 5% to 8%:  So using the same example as above ($5,000.00) it will cost you from $250 to $400

For I-payout, even if you choose the most expensive way which is a bank wire it will cost at the most $40.00.  Normally i-payout to bank is $1.00 or $6.50.

So let's take a look at the total cost of moving money around with the different processors for the example above of $5,000.00:  I will use the low numbers for Payza and STP and the highest for I-payout:

TOTAL COST PAYZA AND STP DEPOSIT, TRANSFER,WITHDRAWAL:  $340.00

TOTAL COST I-PAYOUT DEPOSIT, TRANSFER, WITHDRAWAL:  $75.25

If you are not convinced after looking at the math, then nothing will.  And yes, I-payout takes money from every country except the ones on the OFAC list.  You may not like the way they do it, but they do and it works.

Also, for those of you that may still have problems getting money into our system and out of it because of this situation with Payza and STP,  We are still taking deposits directly to our bank account, you can use Western Union or Moneygram or you can even send a Cashiers check or money order until you set up and learn to use the I-payout system.

We are trying to make it as easy and as inexpensive as possible and going out of our way for you to get funds into and out of our system.  Please understand this MUST be done. Please do not send emails, support ticket or call our phones in regards to this matter, this decision was not easy but it is final.  Please respect and trust our judgment in this situation.

Again, and just to be clear.  We will stop taking deposits from STP as of Sunday, June 10th, 2012.  After that date only withdrawals from STP will be allowed !  Thank you very much for you patience and understanding.

Sincerely,

Wealth4allteam Management
WEALTH4ALLTEAM INC.