Thursday, November 1, 2012

Exclusive Interview with PexPay

Hello Guys! Today, we will be doing something EXTRA SPECIAL! If you noticed a few days ago, the featured program of the month banner had been changed for an extra special program. The difference is that it is not an HYIP. It is no other than PexPay. You might have seen them on some program, or not at all. That is because PexPay is a new payment processor who is getting more and more recognized and used by the different programs. As promised, The HYIP Bulletin has delivered to you an exclusive interview with PexPay!

In relation to this, I would have to refrain myself from creating too much comments on the other news (sorry guys I want to emphasize more on this interview) but of course I would never miss sending out those newsletters because they are also important so you will still be able to read the original newsletters later on. But first, do take time to read "THE EXCLUSIVE INTERVIEW WITH PEXPAY."

1.) Hello Mike and thanks once again for making time for The HYIP Bulletin and its subscribers. Before we hit the formal interview, can you please tell us more about you and your role in PexPay? 
- I am one of the Managers here at PexPay. My role includes training our staff, reaching out to new merchants, keeping up in the different forums, blogs, and social network sites, overseeing the live chat staff, the verification department, and the support center staff.

2.) Can you tell us more about the background of PexPay? What is your company’s vision and mission? How was it conceptualized? 
- We have been building PexPay from the ground up with a few solid foundations: excellent customer service, quick payment processing, and a user-friendly site that is there when you need it. We are Your Bridge to Anywhere, and we welcome people to come experience the PexPay difference.

We have seen many other processors show their growth by slowing down in all aspects of their business. We have been working hard to stay ahead of the curve and be ready to handle all the growth and the pains that come with it. The standards that we set for ourselves on day one are what we strive to meet and exceed and that is what motivates us. 

PexPay was developed over a couple of years of planning and much discussion on what we felt was missing based on first hand experience with other processors. We knew there was a need to create a processor that could service all your payment processing needs while still delivering a quality service with people that care. We think that many companies, especially internet-based companies, lose sight of what their customers really want as they expand and grow. This was especially apparent in the payment processing industry and that is why we decided to fill the void and set our guidelines from the beginning to never let us go down that road. We gathered the resources needed to put our vision into action and created what you know as PexPay today. 

3.) Please give us brief information about your company’s staff? Who are they and what do they do? Also, where is your company based? 
- Our staffs are comprised of people that we have worked with in the past. They are in a couple different locations and we have a few professionals and companies that we have contracts with to provide specific services. Most of our staffs are trained in various departments to accommodate for our growth. This will enable us to move staff around to keep verifications, support tickets and all the other functions moving smoothly as we continue to grow. We are a 100% online company and therefore we have no public offices. We do have a public mailbox in Michigan where we receive checks from customers.

4.) Are there any interesting facts our readers might be interest that is not shown in your website? 
- Everything is listed on our site, but one thing that people overlook is our Customer Loyalty Program. It is by far the best of any processor that we have compared it to. Your readers can find more information on it here:

5.) Do you have any kind of official sanction or license from the government or financial authorities?
- We are based in Nevada and follow all requirements that must be followed with regards to MSB (Money Service Business) rules and guidelines. There are many details that must be followed to operate an MSB in Nevada or anywhere in the US, as well as if you are an international processor doing business with US customers. This is part of the reasons that it took us 2 years to introduce PexPay to the world. We have a complete AML compliance policy for both the United States and Canada. We have both to cover our bases and allow for growth and expansion even though we operate solely in the U.S. at this time.

6.) Every great company starts with a great foundation. Although PexPay is just new, it has become a well known and preferred payment processor in the online industry. What do you think is the foundation of PexPay which you firmly believe will make it greater than it is today? 
- I think I may have touched on this in one of the other questions, but the answer is customer service. There is nothing more important than taking care of your customer. Our customers will be the biggest reason we will grow the way we will. If we do not take care of them or treat them like they are just numbers then they can also be the reason that we do not succeed. I can assure you that our customers will always be our number one priority. When the customer is taken care of all other things fall into place, and they then become our best method of advertising.

7.) I too am working in the customer service industry other than The HYIP Bulletin, so I strongly agree on that Mike. Can you also give us some current statistics of the company? Who are you servicing and how many people or company are you currently working for? 
- We are seeing wonderful growth in the number of customers that are joining each day. In May we only had double-digit signups 5 days, last month we had double-digit signups everyday, and triple digits three days, this month we have had triple digit signups 11 times. This speaks volumes for the growth we have had in a few short months. We are looking for more merchants and that will come with time. We are approaching many different industries and just finished up with a very large company that I am sure many will be interested in once the announcement is official. They are not a HYIP but they can be a great site for anyone with a PexPay account that is looking to do some online shopping.

We also try to send out emails from time to time letting our customers know about new merchants using PexPay. 

8.) What do you think are the common issues or scenarios you encounter in a daily basis which you think can be minimized if only done this and that? 
- The biggest issues that we see from customers contacting us are issues that were actually answered already in the website. In fact, the tickets and live chat requests that we get are already answered in that specific page they are in or can be found in the FAQ section, which we will also be updating in the near future.

The most common question we encounter is about the Security Guard Pin (SGP) as many people do not know what it is. This is very important, as the SGP is needed to perform all sensitive functions within your account. The SGP is something the customer creates when they log into their account the first time. They have to enter the SGP info twice to create it, and we also ask them to write it down as a reminder of how important the SGP is.

9.) What do you think is the reason why people are choosing PexPay over the other payment processors online? 
- They want a change! They want a payment option that is going to do what they say. They want a payment option that is going to process transactions on time. They want a payment option that responds to them in a timely manner. They want to use a service that they can have confidence in. There are other options that ignore, don’t care, or cannot meet the needs of their customer base. PexPay can meet that need, always will, and is that change that so many online users are looking for.

10.) I noticed that on your homepage, you can see the slogan “Fast. Secure. Reliable. Worldwide.” Please expound on this. 
- That is built around the core issues that we observed when doing all of our research on many payment processors. We have had accounts with many processors for many years. We created these accounts with our competition so that we could experience what each one was good at, and also to see the places that we thought could use improvement. Many of them do a handful of things well, but there were also many of them that did some things pretty poorly. We noticed the same issues coming up processor after processor. We took that info and created what turned into our core goals of how we would be different. These things include:

Fast – We doing things in a quick time frame for our customers. Just because a company grows does not mean that the customers should be expected to suffer or have to put up with delays. 

Secure – We noticed that it is way too easy to get information from the different processors without having to give much detail. There were many different things we did in testing this, and we could not believe how unsafe different information was. 

Reliable - We found that many processors claimed to do many different things in many different areas, but they fell well short of their own statements or goals. We made it a point to provide services that will be reliable. This concept is carried out in our selection of different services we use or do not use. We made a conscious decision to put our resources into areas where we can be the most productive. We have the ability to help substantially more customers and do so faster using support tickets and live chat than we would if we had twice as many people on phone support. This helps to keep costs low, which is passed on directly to our customers. 

Worldwide – Much like we are not limited to one industry online, we are also not limited to one part of the world. We have to follow many rules because of our location, but as long as you are not breaking the said rules and guidelines, and as long as you are not in a limited number of countries that we cannot do business with, then we can and want to provide services for you. 

11.) Can you give us a quick guide on how to do registration and funding of the PexPay account? 

Anyone can create a PexPay account for free by going here: Once they create their account it is strongly recommended that they verify their account so they can take advantage of all that PexPay has to offer. To become verified they will need to send in a Government ID and a utility bill showing their name and address. This bill cannot be over 60 days old. If they want bank wire withdrawals then they will also need to upload a copy of the bank statement to the bank that they will be withdrawing to. The bank statement needs to again display their current address as well as their name. If they are uploading a bank statement we do not need the utility bill. 

Once they are verified they can then use all of the funding and withdrawal options that are available to them. Unverified accounts can still receive funds, and can even send up to 500.00 in total from their account. After that 500.00 is met they must verify their account 

12.) What are your future plans for the company? 
- We have many things that we will be working on in 2013. That list includes more localized banking, going after the largest merchants from different industries, along with many other things that will enhance the customer experience with PexPay for years to come.

13.) Do you offer Debit Cards for your members? 
- We do not at this time but this is something that we have talked about and will continue looking into in the future. We have noticed that there have been a lot of problems with processors offering debit cards in the past. We're working to find where these problems began, whether it was the debit card platform or the payment processor, and we're working to find the best long-term solution for our needs. When this becomes more of a reality we will be sure to let our customers know.

14.) What is the best and fastest way our readers can contact you if they have any questions or concerns related to PexPay? 
- The fastest way for people to get help is via our live chat for basic questions. If you have more detailed questions about your personal account, or if live chat is not online, the next fastest and best way to get help is to use the support ticket system from within your account. When you use the support ticket system, the support representative assisting you will have access to all necessary information about your account and can typically help you very quickly. Please do take note also that the Contact Us page is used for non-customer contact only. The representatives answering these requests DO NOT typically have access to the account specific information.

15.) Lastly, what would you like to add personally which was not covered in the interview which you think the readers of The HYIP Bulletin should know? 
- We realize that we are a new payment option and that this often causes concern for some people. However, we are confident that people will realize that we are the better option in the long run. We have a strong background in customer service and have been working on PexPay for years. We are confident that our site will fill the void that others feel with the other payment options that are currently available.

We know that there are those out there that will say they will not trust us because we are a new company. Our only response to that is that every company is new at some point. Often times the new guys will learn from the mistakes of the old ones and start with a better system and better approach. That's what we feel we have done. We feel we are already providing a better service and we feel our customer service is well above our competition. This is justified by the support being shown by our customers. 

Lastly, thank you also for inviting us with this interview. From what a few of us, including myself have seen, a fresh voice in your industry is desperately needed. It can never hurt your readers to have options when it comes to finding different information, and I think an unbiased site such as yours is a welcome change. 

Thank you also for the kind words Mike. I appreciate it. I hope that you and your company will have a wonderful growth and success in years ahead of you. It is my greatest honor and privilege to have The HYIP Bulletin a part of your company. 

To my readers and subscribers, I think we have learned a lot of very good lessons for today from PexPay. There is always a room for change and there is always a room to make the good things better. A visionary company who strives for excellence and great customer service, such as PexPay, could one of the essential elements that the online industry need. It might not that apparent right now, but definitely it will come. To PexPay, I salute you guys for your endeavors and I hope for the best on your company! - Hosting successfully changed.

Majestic Profits, one of the Top Most Favorite Programs, sends out a newsletter today informing their members of the successful hosting change. Majestic Profits offer 2.8-6.5% daily  up to 65 calendar days.

Here is the newsletter:
"In past 2 days our previous hosting company had problems with nameservers, that's why we successfully moved today to best available protection.

Site is now up and running. Instant payments works fine too. If you have missing deposits or any other issues or questions, please re-submit new support ticket or reply to this email, because due to downtime we have not received few emails.

All tickets will be resolved ASAP. There will be no downtime's starting from now on.

Please note, that for some people site can be not accessible, but it's just temporarily.

You can check here, that site is Up and running from more than 95% locations

Like our FaceBook page

Best Regards"

PERFECT FINANCE: Website is Temporary Offline

Perfect Finance, one of our Top Most Favorite Program from the Survey Poll sends out a newsletter that their website will be temporarily offline. Perfect Finance offers 2.7-3% daily for 60 calendar days and offers a return of principal upon maturity.

Here is the newsletter:
"Dear valued customers,

We understand that you are all worried and concerned about the recent downtime of our website. We are currently changing the hosting company and setting up new nameservers for our domain because the old ones are not working properly (hence you cannot open our website). For some the website will be already available after couple of hours, while 100% available it will be within next 24 hours once the nameservers are fully propagated in all countries and ISPs (internet service providers).

1) You will not lose a single earning from your investments for the past days when the website was not accessible. Once the website is available, you may request your accumulated funds for instant withdrawal and expect a stable performance of investing with us again.

2) For those who edited the hosts file in Windows (The temporary solution that we posted on our blog). Please open the file again as it was stated in instructions (as administrator, etc) and delete the two lines you entered. Don't forget to save the file!

As always, for most recent updates regarding the availability of our website, go to:

Thank you for your support and patience.

Christopher Walters
Perfect Finance Limited"

Pips Fund Celebrates 2 months!

Pips Fund is one of the long term investment programs running successfully up until today. They have been online now for 2 months and is offering 2% daily.

Here is a newsletter from them:
"Dear Investor,

It is a great pleasure for us to say that Pips Fund is now approaching two full months of online activity and our results so far couldn't be any better. As we compose this newsletter, we have over 165k in total deposits and over 4000 registered members, surpassing our goals for the given period by over 50% in terms of number of registered members. Over 2300 of this 4000 registered members have at least one active investment and a rough estimative says we have around 400 investors already in profit.

We established long term goals for Pips Fund and the results we had for these first two months give us a very positive perspective of what is coming our way. By the time we write you our next newsletter, which should be in about two months from now, we expect to have at least 500 members in profit.

Some of you may have noticed a few instabilities in our server last week and the main reason for that is that we were transferring our data center to a stronger and even safer host provider and also acquiring anti ddos attack protection from BlockDos instead of our old provider since they are more reliable and have a much better uptime. We expect an even better uptime from now on and we apologize for any inconvenience this might have caused you.

With the elections in the USA, the USD/GBP market has been a little reluctant in the past few weeks as there are many uncertainties that cannot be perfectly quantified with financial indicators but still our profit level points up since our trading strategy combines both graphical and technical analysis and our technical knowledge takes into consideration political aspects of any type since they can have a huge influence on financial markets such as Forex but even given these small issues with the market lately, our traders have managed to keep our profit curve pointing straight up. Loosing is a part of Forex trading but ending up the day in a positive way is a part of our goal and so far we managed it with great success.

The main reason to launch our representatives program was to increase the rate of investors joining PipsFund who are directly referred by another investor and indeed now over 82% of our investors have been directly referred, instead of the 70% we had before its launching. Right now we have over 100 representatives from 40 different countries and some of them have sent us some links for the activities they have been developing in their home countries such as blogs about PipsFund, discussion boards, Facebook pages and groups, investment teams to help people earning also by referring new people to the business and private mail lists with the latest news about our program. These are some ideas for those of you who are a part of this privileged class of PipsFund investors. If you have something special and want to share it with us or if you need funding for a certain type of advertisement campaigns, don't hesitate to contact us at [email protected] and we will discuss your idea in details to find a solution that fits us both.

Some of you who are in profit have sent us your success stories and plans for the money you are going to make with PipsFund and your messages of this type are a huge incentive for our team. Of course we opened PipsFund to make money and decrease the investment risks for ourselves but after all, we are walking this path together and knowing that you, our partners, are making money, only means that so are we and that our business model is a complete success. The path is long and it will take years of hard work and obstacles crossing to reach the top but our team gets stronger and stronger every day, giving us a huge confidence level to be get there. In fact, time goes by so fast when we are busy that these two months online passed by so fast and that's the reflection of the hard work we have been putting into it.

We appreciate what you have been doing for PipsFund so far and we will make everything impossible to make sure all of you will achieve and/or create new financial goals by taking part in this venture.

We wish you all a great week,
PipsFund Administrator
Jerry Huggins"

InvStrategy LTD - Phone Support is available!

InvStrategy LTD offers a daily profit of 120% to 670% for 1 to 60 days of investment. It is now up for 34 days as of writing.

Here is a newsletter from them:
"Hello Dears!

With our increasing popularity and reputation, we have been receiving a lot of customer registrations from people of various places all over the world. The huge exposure InvStrategy has been receiving as of late, has made us one of the biggest investment companies across the world. Our services are available in practically all countries of the planet. InvStrategy LTD has been online for 33 days now, and as we had promised to some of our respected clients, we have established a very convenient phone support, which will operate 24 hours a day. It will ensure that our Customers receive support services, advice, instructions, and answers to any of their questions as quick as possible.
Call us: +44 203 514 56 12 

If you haven't opportunity to call to London, you are able to call to representative from your region:
We are active members in social networks, so you can ask your questions and share some facts with us there!
Join us on Facebook and Twitter:

Do not forget to vote for us on the monitors, facebook and twitter pages, where we have been listed at, and post your payment proofs in the various reputed forums, so as to help us attain even greater heights. Remember, when we reach greater heights, it is you who are actually having the benefit to make more and more profits from your investments.

Have a nice time with your beloved ones,

Steven Alonso and InvStrategy team

New Program Enlisted: Caspian Capital + Full Review

The HYIP Bulletin has added another program in My Personal List today. Caspian Capital LLC is a new short to mid term program released in the industry only 3 days ago. They claim to be a global investment organization capitalizing on oil trades.

Caspian Capital offers you a wide variety of investment portfolio wherein you can choose as to which type best suites your needs. We can separate them into 2 categories, a daily running plan and a time limit plan. The Atrek Plan is the only option available for the daily running plan. It offers 20% daily for 7 days with principal included giving you a total of 140% ROI or 40% profit. You only need $10 to start investing in the said plan and has a limit of $150,000. As for the time limit plans, namely Kura (1 day), Ural (5 days), Samur (10 days), Saluk (15 days) and Terek (30 days), they offer ROIs of 110%, 130%, 180%, 280% and 380% with a minimum deposit of $20, $50, $100, $250 and $500  respectively (Sorry I tried to google their meanings but no luck of relating these words). What I find amusing about the plans is that although you are having a higher ROI, you are also taking a more considerable amount of higher risk, higher expense and longer period of waiting time! Personally it does not make a sense at all for me as to why they have to increase the minimum deposit in each plan.

They also have an affiliation program available for up to level 1 or direct referrals. Although this unique referral system is good for the programs sustainability, I am not so sure if it can attract or encourage members to participate proactively. The reason for this is that referral commissions start from 3% for the first 30 referrals and goes as high as 5% once you hit 61+ referrals. You have to have at least 30 referrals to move up to a higher percentile!

Caspian Capital accepts enough variety of payment processors. They accept Liberty Reserve, Perfect Money and EgoPay. Cash out requests can be done daily for 7 days in a week with a minimum of $1 and is reflected within 24 hours.

Context wise, although the introductory part and company profile part is unique, I have that feeling that it is inadequet or lacks something. Perhaps because it has a very limited amount of wordings it or maybe because some of their explanations are hanging and vague. You can also see that there are some copy pasting sections found on the website which can be found from other programs too. But for the more experienced HYIP players, this does not really matter so I won't dwell too much on it.

Now on to the technical side which for me is one of the most important thing in a program. What I like most about Caspian Capital is that they are serious on keeping their program protected from server attacks. It runs off with a licensed GoldCoders script and is fully SSL-ecnrypted by no less than Comodo.  With the ongoing onslaught of different programs due to the widespread DDoS, a lot of programs have been down for days now and this could lead to serious complications of a program, even death. To prevent this from happening, they have chosen one of the best hosts and AntiDDoS providers around the industry - BlackLotus.

Another thing that caught my attention is that the program has a very good number of monitoring sites with them and this is a very good thing considering the fact that they have just started. This will give you an idea that they are serious with their program too.

Lastly, if you have any questions or concerns, you can reach them via their live chat support (Yes it is functional, yes I have tried it and yes they are human!) or via email. I believe they have different operators available on different hours so that is another good thing.

Before I am going to end this review, I would like to say that the program has potentials in it. But never forget also this message "UNCERTAINTY IS THE ONLY CERTAIN THING IN THIS INDUSTRY!" If you want to consider investing in Caspian Capital, make sure that it is part of your wide and diverse portfolio and invest in the amount that you are always ready to lose!