RE: credit cards and bdsm

RE: credit cards and bdsm (Full Version)

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xxblushesxx -> RE: credit cards and bdsm (5/17/2010 10:49:53 PM)
As someone involved in adult entertainment, I can assure you that the merchants who accept "high risk" vendors do pay rather close attention to exactly what sort of transactions are being conducted, and what exactly is being sold.

amaster5 -> RE: credit cards and bdsm (5/18/2010 7:15:22 AM)
I'm sure there is a ton of money in 'adult' paraphernalia in all it's forms, and I'm sure the credit card companies are happy to cash in on that. I'm also sure it improves their public corporate image if they can put out a newsletter to their stockholders which includes a little message about how they are protecting the general public by refusing to deal with online merchants of adult merchandise who refuse to comply with their 'health and safety' guidelines, or whatever they are choosing to call it. I don't for an instant think their actions are truly morally based. I assume it is all about their public image. quote: ORIGINAL: Rochsub2009 I'm completely confused by your question. I'm not saying that it didn't happen, but I am not sure how it would have happened. Let me give you a little background info on myself. I own a store in a mall. I accept credit cards. So I have a credit card processor that I deal with. I also operate multiple on-line retail sites. I have merchant accounts for each of those as well. I also accept payment via Paypal, so I have accounts there also. Regardless of the payment gateway that I use, my transaction is fairly invisible to them. They don't see what I sell. They simply get a financial transaction. For example, they will see that I am charging someone's credit card for $120. But the merchandise attached to that transaction is completely invisible to the credit card processor. So I am having a hard time understanding how the credit card company would even be aware of what merchandise was involved in the particular transaction. That information is not available to them. Moreover, they make money by processing transactions. Why would they refuse transactions for moral reasons? You say that you heard this story secondhand. I think that it was not communicated to you properly. What I've read so far doesn't make sense, and I am both an on-line and a brick-and-mortar retailer. There is obviously a detail that is missing in this story.

DommeKeliDallas -> RE: credit cards and bdsm (5/18/2010 8:09:11 AM)
Try Amazon...

Rochsub2009 -> RE: credit cards and bdsm (5/19/2010 4:42:50 PM)
quote: ORIGINAL: xxblushesxx As someone involved in adult entertainment, I can assure you that the merchants who accept "high risk" vendors do pay rather close attention to exactly what sort of transactions are being conducted, and what exactly is being sold. Not sure what type of adult entertainment you are in. So I can't comment about your specific industry. My businesses are all very vanilla in nature, and my transactions are completely invisible to the credit card processor. In fact, I'd be highly offended if I felt that they were checking up on me. It's surprising to hear that they give you problems, since almost anything can be purchased on-line these days, regardless of how kinky.

xxblushesxx -> RE: credit cards and bdsm (5/19/2010 5:31:16 PM)
Well, try finding a payment processor for an adult business. It's quite the trick these days. It can be done, but you have to know how to do it.

Lucylastic -> RE: credit cards and bdsm (5/19/2010 5:48:52 PM)
I have been kicked off three credit card processors because of what I sell (in the past ten years), I dont give anyone details of what customers have bought, but purely from having my site online they can check my merchandise and I have been disqualified and told the bs about chargebacks and other "issues" but basically it is smut related therefore bad. Its a reason fro them to up their charges..is anyone surprised?.Ynot Network and AVN are prime places to check out all the info, reasonings, etc behind their bullshit. and the alternatives

marylynn -> RE: credit cards and bdsm (5/19/2010 5:50:41 PM)
I'm sorry this happened to you. This has never happened to me. I wish you luck. Wish I could help

S1L1 -> RE: credit cards and bdsm (5/20/2010 3:50:34 PM)
Example: A friend of mine used to sell memberships to his art/drawing site. He was specializing on Japanese "tentacle" pictures, stories, etc. Visa and Mastercard made him shut down his site, since they do not allow you to sell "obscene" content. It would not surprise me if they are doing the same thing with other adult related material, be it toys, books or drawings as in this case.

amaster5 -> RE: credit cards and bdsm (5/23/2010 8:55:36 AM)
I'm sure it is quite diffcult. Perhaps some disccusion about excatly how, by people who know about it, might be both useful and intreasting here. quote: ORIGINAL: xxblushesxx Well, try finding a payment processor for an adult business. It's quite the trick these days. It can be done, but you have to know how to do it.

Lucylastic -> RE: credit cards and bdsm (5/23/2010 1:32:25 PM)
I mentioned Ynot as a good resource, here is the url http://ynot.com/?name=YN_Services2 Also AVN http://business.avn.com/ It covers a multitude of sins for all kinds of adult related websites. There are many of us here who run adult sites, but we have different needs, different requirements and obviously different locations. So the rules are not always the same. I am however open to any questions, Lucy

CalifChick -> RE: credit cards and bdsm (5/24/2010 12:05:27 AM)
Just google the phrases "credit card processing" and "adult oriented". Cali

Lucylastic -> RE: credit cards and bdsm (5/24/2010 4:28:17 PM)
tsk, well yeah thats just as good, BUTTTTTTTTTTTTT .....ermmmmm ok I gots nothing snickers and winks at Cali

amaster5 -> RE: credit cards and bdsm (5/25/2010 12:06:16 PM)
Oooo goody, a comedian [I spelled that wrong, didn't eye?] :) quote: ORIGINAL: Lucylastic tsk, well yeah thats just as good, BUTTTTTTTTTTTTT .....ermmmmm ok I gots nothing snickers and winks at Cali

Lucylastic -> RE: credit cards and bdsm (5/25/2010 7:00:47 PM)
hehehhe

jennylandis -> RE: credit cards and bdsm (5/26/2010 1:10:28 PM)
we've been processing credit cards for 5 years, never had an issue with anything like that i know that paypal doesn't allow adult websites subscriptions, but even paypal allows any type of adult good processed is this based from actual experience? can u be more specific?

divi -> RE: credit cards and bdsm (5/26/2010 1:34:16 PM)
quote: ORIGINAL: amaster5 All right, here's something that I think should be discussed, and I'm putting it here although I'm sure someone will decide it is controversial in nature. So, allow me to ask a very sarcastic question to open this matter up for discussion. Can anyone please, explain to me how, morally and ethically at least, as obviously they have a legal right, credit card companies can decide not to allow people to purchase certain bdsm oriented paraphernalia and products online by refusing to complete the transaction, and further, going so far as to force online retailers to remove certain items from their online catalogs if they want to continue doing business with that credit card company? What's next, you can't order slave collars online because they find it morally objectionable? (Yes, that was a complicatedly worded question, okay technically two, but the second was just to hammer home my point; I apologize. If I need to explain my sarcastic question in more detail, please let me know). WOW. Did you pay your bill ?

amaster5 -> RE: credit cards and bdsm (5/26/2010 1:52:33 PM)
More specfic? Not sure. Perhaps you should read the eariler posts, and then reprhase your question? quote: ORIGINAL: jennylandis we've been processing credit cards for 5 years, never had an issue with anything like that i know that paypal doesn't allow adult websites subscriptions, but even paypal allows any type of adult good processed is this based from actual experience? can u be more specific?

jj292 -> RE: credit cards and bdsm (5/26/2010 9:44:11 PM)
I remember back in the early 2000s some credit card companies rejected porn subscriptions, including many that deal with BDSM. Several sites actually went under because of the new rules. But this was more of a vender issue than a cardholder issue. In other words the websites making the porn were told by the card processors they were not permitted to charge for that content or service. This was all in response to numerous laws passed by congress to try to police the internet. Most of those laws were struck down by the courts. So the credit card processors backed off a bit to avoid lawsuits, but they still do have rules.

amaster5 -> RE: credit cards and bdsm (5/27/2010 8:59:36 AM)
Yes, the problem seems to come mostly from some person trolling through a vendors online catlouge and telling them they can't offer certin items if they want to do busniess with that credit card (whichever of several)

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