博彩無國界

  老爹貼出 "必發(Betfair)對最成功客戶徵收"特別費用"合理嗎?(真實案例)"這篇文章后，知道有同好將本文提供給必發高層參考。老爹一直在等結果。

今天有網友來信說：必發特別費規則有修訂，將在2009.10.12日起適用。老爹還沒有收到相關通知，在此先將信件內容貼出供同好參考。

親愛的客戶，
您好！
關於你近期收到的必發發出得英文信件﹐其內容的中文意譯如下﹕
在經過一段時間的調查研究和用戶諮詢之後，我們現在對將於
2009年10月12日生效的特別費用收費做了部分調整。這些調整是為了簡化收費，並特別用於解決在調查中，用戶提出最多且最關注的問題。
1. 我們將滾動的“60週”計算延長至“終生製”計算。

目前的收費計算方法主要考慮的是每位用戶在過去的60週這段時間內的毛利和支付的總費用。任何在過去60週內獲利，且在該段時間內產生的總收費小於毛利20%的用戶，將被認為適用於特別費用收費。
自10月12日起，特別收費中60週的計算時間將被延長至“終生製”計算（即每個賬戶從開戶時間起計算直至現在的所有時間為計算時間）。為了介紹此次的調整，我們將假定所有用戶產生的總收費至少等於截至2008年9月22日（特別費用推出當天）終生毛利的20%，且從該日起，所有產生的收費將計算用於抵消隨後產生的特別收費。對於收費的£1,000折扣，250個交易的限額和排除掉任何單獨勝出的組合超過毛利50%的情況，也將以每個賬戶的“終生製”時間作計算。

2. 調整“總費用”計算方法

“總費用”目前包括所有生成的佣金，配以每個用戶支付的任何交易收費，數據請求收費和獎金收費。如果"總產生收費"超出所獲毛利的20%，那用戶將可以免除支付特別收費。
從2009年10月12日起，支付的交易和數據請求收費將不被計入“總費用”計算內。然而，所有交至/包括2009年10月11日的交易和數據請求收費將包含在終生“總費用”抵消中。

3.簡化"暗示傭金"計算方法

每個用戶的"產生傭金"計算方法目前為；
產生傭金= (傭金 + 暗示傭金) ÷2
其中
暗示傭金= 交易損失 x 平均交易傭金率
從2009年10月12日起，為執行獎金收費，暗示傭金將為；
暗示傭金= 交易損失 x 3%

必發(Betfair)對最成功客戶徵收"特別費用"合理嗎?(真實案例) 老爹原創於2009.8.6

必發自2008年9月22日起對"最成功客戶"徵收"特別費用"。稍早前，網友小胖發了一封電子郵件給我，信中提到，從開戶到現在共21週，毛利是25168.31英鎊，5%的佣金繳了3042.05英鎊，特別費用為1631.74英鎊(已扣除酌減額1000英鎊)，"5%佣金+特別費"共繳了4673.52英鎊。

小胖提出的疑問如下:

(1)特別費用上限是20%，我的費用已達18.56%(4673.52/25168.31)，為什麼必發抽佣比例這麼高呢?

(2)特別費用計算週期是前60週，必發為何在第15週開始徵收特別費用55.94英鎊，為什麼?

(3)除了必發外，有其它博彩公司徵收特別費嗎?這費用合理嗎?

老爹對特別費用的理解(請先下載必發給小胖的特別費明細)

先說(3)，老爹認為特別費用像"小混混勒索"。在澳門或拉斯維加斯合法賭埸中羸了錢，您會擔心賭埸向您收"特別費"嗎? 在網路博彩上，除了必發"空前"要收特別費外，尚未聽過有網路博彩公司向羸家額外收費。反而是常聽到"小混混"向羸家勒索。

玩家輸羸是起起伏伏的波浪線。必發以前60週或前一週取樣，就會碰到曲線正好落在"波谷到波峰"的曲線。例如前100週到前61週，輸了10000元，前60週至今羸回7000元，整體來說還輸3000元，因前60週羸7000元，玩家會被徵收特別費用。

---前100週~前61週，輸10000

---前60週~本週，羸7000元

---以前100週計算，共輸3000元，以前60週計算，羸7000，可能要繳特別費

第(1)及(2)個疑問請見必發條款中加註的說明即可理解。

應對方法

(1)有的玩家說，碰到徵收特別費用時，就立刻將帳戶內資金全數提空，但是必發會打電話向你追收。

(2)開新戶，讓所有數據從新開始。

(3)除非一定要用必發才能獲利，否則，改變交易習慣，換家博彩交易所又何妨?例如美國四大賽事可以參考matchbook。

2009.08.05最近12個月賺3.03億英鎊，還如此貪婪!!必發Betfair公佈最新財報 聲明沒有計劃搬離英國(轉貼)

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5) 特別費用

除以上詳述的費用之外，我們還會對最成功的客戶收取一筆小額（低於0.5%）的特別費用。 (老爹註：這句話改成"除以上詳述的費用之外，我們還會對最成功的客戶（低於0.5%）收取一筆小額的特別費用"。）

特別費用將會從2008年9月22日起開始生效，首筆費用將會於接下來的一周（9月29日開始的那周）收取。

請注意倘若您需要支付特別費用，我們將會於收費前通知您。

計算潛在費用

每周必發都會計算您所創造的“毛利”* ，以及您在前60周所支付的“總費用”**。這些計算的細節在以下有所闡述。

只有您的賬戶在前60周處於盈利狀態，並且在此期間您所付的總費用低於您毛利的20%，我們才會考慮向您收取特別費用。

我們的絕大多數客戶，甚至在前60周賬戶處於盈利狀態的絕大多數客戶都不符合產生該筆特別費用的條件。

盡管這些條件准確地描述了我們最成功的客戶，但它們也可能適用於那些僅下注了幾個市場或由於一次大額盈利而令賬戶處於盈利狀態的新客戶。為了保證這些賬戶不會被無意收費，我們又添加了兩個條件：超出前60周毛利之50%的單次贏利將被排除於計算之外；客戶在前60周於超過250個市場上下注的情況下，我們方才考慮向其收取特別費用。

(老爹註:玩家符合2個條件 (1)賬戶在前60周處於盈利狀態，並且在此期間您所付的總費用低於您毛利的20%--(2)在前60周於超過250個市場上下注，即屬"最成功客戶"。)

每位客戶在每60周的期間內將得到一個適用於特別費用的￡1,000酌減額。也就是說每位需要交納特別費用的客戶將於每60周給予免除該費用的首￡1,000。

請注意，出於計算費用的目的，我們假設此費用在2005年1月份已經存在。這意味著，本應在2008年9月22日前支付的特別費用將給與假定的、已經支付的額度，以用來抵消未來可能的費用。然而，這也意味著，對於某些客戶，￡1,000的酌減額可能已經在2008年9月22日以前用來抵消假定的費用額度，因此全部或部分使用過了。這是因為，此酌減額應用於每60周而不是特定日期。這是基於在此費用實施前假定費用減去酌減額後得出的結果已經支付了，從而降低了客戶本應產生的費用額。

(老爹註：不管新玩家或是老玩家，常會誤解"前60週'的意思。必發對"週"有自己的編號，例如，2007年2月26日~3月4日必發編號374、3月5日~11日編號375，以此類推。

假設玩家在374週開戶，所謂前60週，是指374往前推算到314週。玩家會問，373~314週我都還沒開戶啊!!對，這些週的資料都是設為＂零＂。

因此，玩家在第一週如果符合特別費收取標準，必發就會向您徵收特別費。)

符合以上所有條件的客戶將於每周按照以下兩種計算方式中得出較低數額的一種來交費：

• 前一周毛利的20%和該周所支付的總費用之間的差額；或者
• 前60周毛利的20%和在此期間所支付的總費用之間的差額。

這意味著客戶將永遠不會被收取高於前一周毛利的20%的特別費用。

請注意以上所列兩種計算方式中的第二種僅會降低特別費用，且將適用於第二種計算結果少於前一周相同計算方式下產生的結果的罕見情況。

前一周（周一至周日）產生的特別費用將於下一周的周三從客戶賬戶中扣除。

在計算特別費用問題上，與一個人、實體、API訂購者或帶有次賬戶（僅限交易形式）的主賬戶有關的所有賬戶都被視為一位客戶來處理。請注意，特別費用不會帶來任何必發積分。

*“毛利”是指在所有必發市場上所贏的數額（不予考慮總費用）減去損失的數額。

**“總費用”是指必發由於您博彩所產生的佣金，外加任何交易費、數據請求費和特別費用。“產生的佣金”包括在盈利上所付的佣金，但也包括必發在您發生損失的市場上從其他獲利客戶那裡所收取的佣金，我們稱其“暗示佣金”。當您盈利時，必發以您的佣金率來收取佣金，但當您輸時，必發從贏家處收取的佣金是按照他們的佣金率。因此我們將按照以下算式來計算由於您博彩所產生的佣金：

產生的佣金=（佣金+暗示佣金）÷ 2

(老爹註:

以小胖為例，當週5%佣金63.78英鎊(是指必發對羸家的基本抽佣)，但是必發認為"產生的佣金"只有47.71英鎊，63.78 與 47.71差額為 16.07英鎊。必發的47.71 是如何計算出來的呢?  問題在"暗示佣金")。

而

暗示佣金=市場損失 x 平均市場佣金率

(老爹註:

1.假設你羸400元，抽佣率為5%，必發抽佣20元。

2.假設您輸了四筆錢，每筆都是100元，此時，有四位羸家各羸100元，四位羸家在必發的抽佣率分別是5%、4%、3%及2%，必發可抽佣5、4、3、2元合計14元，平均市埸抽佣率是3.5%。必發抽佣率是5%~2%，每個帳戶抽佣率不同。

3.產生的佣金=(20元+14元)/2=17元。因為輸的錢是用平均市埸佣金率計算，也造成小胖明明繳了63.78英鎊，確只能用47.71英鎊計算。

我們在這裡除以2，否則我們就把每鎊的佣金計算了兩次。

特別費用總結

只有當您於前60周滿足以下要求時，我們方才考慮向您收取特別費用：

• 您的賬戶是盈利的；
• 您所付總費用低於毛利的20%；且
• 您至少在250個市場上下了注。

另外兩條將減少您交納特別費用的可能性：

• 在前60周，超出毛利的50%的單次盈利將被排除於計算之外；且
• 每位客戶在每60周的期間內將得到一個針對特別收費的￡1,000酌減額。

符合以上所有條件的客戶將於每周按照以下兩種計算方式中得出較低數額的一種來交費：

• 前一周毛利的20%和該周所支付的總費用之間的差額；或者
• 前60周毛利的20%和在此期間所支付的總費用之間的差額。

范例

例一

您於前60周在800個市場上總共贏得￡10,000的毛利。您已付了￡980的總費用；且全部為產生的佣金。盡管已完全使用了您每年￡1,000的酌減額，但是您尚未被收取任何特別費用。

您於前一周贏得了￡500且支付了￡80的總費用。因此您會被收取￡20的特別費用((￡500 x 20%) - ￡80 = ￡20)。

例二——費用酌減額

您於前60周內在320個市場上總共贏得￡10,000的毛利。您已付了￡1,050的總費用：￡850為產生的佣金、￡200交易費、及￡0特別費用。

您於前一周贏了￡500，並支付總費用￡50。假如無費用酌減額，您將需要支付￡50((￡500 x 20%) - ￡50 = ￡50)的特別費用。然而這￡50會從￡1,000的費用酌減額中抵消，因此您不需要支付任何特別費用。然後您可以繼續使用剩余的費用酌減額（￡950）來抵消將來的特別費用。

例三——排除大額盈利

您於前60周內在500個市場上總共贏得￡8,000的毛利。您已付了￡1,025的總費用，所有的都為產生的佣金。

您於前一周在某單個市場上贏了￡5,000，並支付總費用￡125。由於所贏超出您前60周總毛利的50%，在計算特別費用時該筆盈利會被排除。然而在所贏上產生之佣金會被算入總費用。

當排除這筆贏錢之後，您便有￡3,000的毛利及￡1,025的總費用，因此無需支付特別費用。

 6) Premium Charges

In addition to the other charges detailed above, a small number (less than 0.5%) of our most successful customers will incur Premium Charges.

Premium Charges will take effect from 22nd September 2008 with the first charges paid the following week (week commencing 29th September 2008).

Please note that if you become eligible to incur Premium Charges, we will contact you before any charges are paid.

Calculating Potential Charges

Each week Betfair will calculate your ‘gross profits’* made, and your ‘total charges’** generated over the previous 60 week period. The details of these calculations are explained below.

You’ll only be considered for the Premium Charge if your account is in profit over the previous 60 weeks, and only if the total charges generated during that period are less than 20% of your gross profits.

The vast majority of customers, and even the majority of those whose betting on Betfair was profitable over the previous 60 weeks, do not meet both these conditions and will not incur the Premium Charge.

While those conditions accurately describe our most successful customers, they might also apply to new customers who have only bet in a few markets, or those whose accounts are in profit because of a significant big win. To ensure that those accounts are not inadvertently charged, we’ve added two further conditions: any single win that constitutes more than 50% of gross profits over the previous 60 weeks will be excluded from the calculation, and customers will only be considered for the Premium Charge if they have bet in more than 250 markets during that 60 week period.

Each customer will also have an allowance in each 60 week period of £1,000 against the Premium Charge. This means that every customer considered for the Premium Charge will be exempted from the first £1,000 of the charge in each 60 week period.

Please note that for the purposes of calculating the charge we will assume that the charge has been in place since January 2005. This means that customers that would have paid Premium Charges before 22nd September 2008 will be given the credit of hypothetical charges paid in the past in order to offset potential future charges. However, this also means that for some customers, some or all of the £1,000 allowance against the charge will have been used prior to 22nd September 2008 in order to offset hypothetical charges paid i.e. the allowance applies to each 60 week period and not from any given date. Assuming hypothetical charges, less allowance, had been paid prior to introduction of the charge has the effect of reducing the amount that customers would typically incur.

Each week the customers who meet all the conditions set out above will be charged the lesser of:

• The difference between 20% of the previous week’s gross profits and the total charges generated during the week; and
• The difference between 20% of the previous 60 weeks’ gross profits and the total charges generated during that period.

This means that customers will never be faced with a Premium Charge that is more than 20% of their gross profits for the previous week.

Please note that the second of the two calculations set out above can only ever reduce the Premium Charge and will apply on the rare occasion that the difference between 20% of the previous 60 weeks’ gross profits and the total charges generated during that period is less than the same calculation for the previous week.

Premium Charges will be deducted from customer accounts weekly (on Wednesdays) in relation to the previous week’s activity (Monday to Sunday).

Accounts that relate to one person, entity, API subscription or a Master Account with related Sub- accounts (Trading version only) are treated as one customer for the purposes of calculating Premium Charges. Note that no Betfair points will accrue for Premium Charges.

*By ‘gross profits’ we mean the amounts won, excluding total charges, less the amounts lost, on all Betfair markets.

**By ‘total charges’ we mean all commission generated by Betfair as a result of your betting, plus any Transaction Charges, Data Request Charges and Premium Charges you’ve incurred. ‘Commission generated’ includes the commission paid on winnings, but also the commission that Betfair makes from the other customers who win in markets in which you’ve lost, which we call ‘implied commission’. When you win, Betfair collects commission at your rate of commission, but when you lose, the commission collected by Betfair from the winners is at their rate. So we’ll determine the commission generated by your betting activity to be:

Commission generated = (Commission + Implied Commission) ÷ 2

where

Implied Commission = market losses x average market commission rate

We divide by 2 because otherwise we’d be counting each pound of commission twice.

Premium Charge Summary

You will only be considered for the Premium Charge if, over the previous 60 weeks, you satisfy the following criteria:

• Your account is in profit;
• Your total charges generated are less than 20% of gross profits; and
• You bet in more than 250 markets.

Two further conditions reduce the likelihood that you will be required to pay the Premium Charge:

• Any single win that constitutes more than 50% of your gross profits over the previous 60 weeks will be excluded from the calculation; and
• Each customer will have a 60 week allowance of £1,000 against the Premium Charge.

Each week the customers who meet all the conditions set out above will be charged the lesser of:

• The difference between 20% of the previous week’s gross profits and the total charges generated during the week; and
• The difference between 20% of the previous 60 weeks’ gross profits and the total charges generated during that period.

Examples

Example 1

You have won gross profits of £10,000 over the previous 60 weeks having bet in 800 markets. You have paid total charges of £980; all of which has been paid through commission generated. You have not been charged any Premium Charges over the previous 60 weeks although you have fully used up your annual allowance of £1,000.

During the previous week you won £500 and paid total charges of £80. You are therefore charged £20 in Premium Charges ((£500 x 20%) - £80 = £20).

Example 2 – Charge Allowance

You have won gross profits of £10,000 over the previous 60 weeks having bet in 320 markets. You have paid total charges of £1,050; £850 commission generated, £200 Transaction Charges and £0 Premium Charges.

During the previous week you won £500 and paid total charges of £50. In the absence of a charge allowance you would have been charged Premium Charges of £50 ((£500 x 20%) - £50 = £50). However, the £50 is offset against the £1,000 charge allowance meaning that no additional Premium Charge is paid. You then carry over the balance of your charge allowance (£950) to offset against potential future Premium Charges.

Example 3 – Excluding ‘big’ wins

You have won gross profits of £8,000 over the previous 60 weeks having bet in 500 markets. You have paid total charges of £1,025, all of which has been paid through commission generated.

During the previous week you won £5,000 from a single market and paid total charges of £125. As the win constitutes more than 50% of your total gross profits over the previous 60 weeks, it is excluded for the purposes of calculating the Premium Charge. However, the commission generated on the win does contribute towards total charges paid.

After the win is removed you have gross profits of £3,000 and total charges of £1,025 and therefore incur no additional Premium Charge.