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Adult Site CC Processing??


Guest flmike
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I have an "adult site" (sex toys) running Cube Cart. I set up in the beginning with Paypal only to find out they will not process for adult sites. I have spent the past couple weeks going through every processing company listed in the cart with no luck.

Can anyone help me out with this? You would think I was trying to sell crack to babys or something. No credit card processor listed will deal with an "adult site" like mine. There are pleanty of processors out there who will, but I dont know if they are compatable with the cart or not, or how to set it up if they are.

If anyone knows of a processor or can make a suggestion I would be so greatful. I've had to take my store offline until I find another processor so I do not break Paypal policy.

Thank you so much for any help anyone might be able to give.

Mike

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I have an "adult site" (sex toys) running Cube Cart. I set up in the beginning with Paypal only to find out they will not process for adult sites. I have spent the past couple weeks going through every processing company listed in the cart with no luck.

Can anyone help me out with this? You would think I was trying to sell crack to babys or something. No credit card processor listed will deal with an "adult site" like mine. There are pleanty of processors out there who will, but I dont know if they are compatable with the cart or not, or how to set it up if they are.

If anyone knows of a processor or can make a suggestion I would be so greatful. I've had to take my store offline until I find another processor so I do not break Paypal policy.

Thank you so much for any help anyone might be able to give.

Mike

Mike,

I had exactly the same problem. I don't think you'll find a Bueru(sp) service (PayPal/NoChex etc) which will do this. The reasons I've been told are:

-High Fraud Risk with Adult material

-Possibly Legal Problems

The first reason is kinda true if you're selling Porn, but I was aiming more at "Ann Summers" type gear.

The legal reasons are that some items are legal in one county and not in others. PayPal doesn't want to get into "local" discussions so has a blanket ban which also covers other items.

I spent some time trying this out, and the bottom line was that I would have to get an IMA.

If you're serious, and have stock (as opposed to Drop-Shipping), look around for an IMA. I was in discussion with Prox who had fairly low fees.

I think WorldPay should be ok too.

If your supplier takes Credit Cards online, speak to them.

If they don't CubeCart doesn't have 100's of payment processors, so I'd check each one for adult sales. You can rule out PayPal(all 3 listed), 2CO (I've tried), and NoChex(ditto)

In the end, I decided to leave it for another project. I hadn't put any products on a store, and only had a domain name registered - so no great loss to walk away.

Jason

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Jason,

Thank you for your response. I'm talking to 2CO now, we'll see what happens with that. Thank you for your help, I was starting to think I was the only one having problems with this.

Mike

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Guest gwizard

Umm, why not putting a small terminal at your office to proccess cards ?

I do it and it is much much cheeper (and no adult problem) then online processing.

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Guest blacknightcomputers

Hi i have www.gothicmetal.co.uk and www.gothicmetal.co.uk/dvd_store one sells adult toys and the other adult DVDs i am in process of setting up a with both protx and secpay they both allow you to do this as long as you can set up a merchant account with any of the banks that they are partnered with ... once i am up and running i will report back .. also NETELLA would be a good payment gateway if the cleaver people at CC could find a way to integrate it ...

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All very interesting

Not very sure how to go about setting up a merchant account or manual credit Card processing. Spoke to my HSBC branch and was told I needed 1 year trading history before I can apply ;)

Does manual processing work out cheaper than Paypal?

I would rather have the customer check out in the store than to be passed to Paypal. Any ideas? :)

Thanks

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All very interesting

Not very sure how to go about setting up a merchant account or manual credit Card processing. Spoke to my HSBC branch and was told I needed 1 year trading history before I can apply ;)

Does manual processing work out cheaper than Paypal?

I would rather have the customer check out in the store than to be passed to Paypal. Any ideas? :)

Thanks

I was quoted 6% from RBOS, not very competitive!

Paypal is 3.4%+20p (the commision does decrease if you have higher turnonver)

Banks are generally cautious about IMA, as you are being lent the money on the promise that you'll supply the goods... If things go really wrong for your company, they could be seriously out of pocket.

Can you try mail order (cheque/po) for a while, and reduce your prices by the expected credit card fee?

If you have some kind of established set-up you will be in a stronger position with the bank.

I emailed PayPal over the weekend to try and clarify their position, but they reply wasn't very clear!

I will quote the important part of their reply:

"

PayPal may be used to buy or sell certain types of adult gag gifts and

novelty items as long as they do not fall within the description of

adult items as specified in PayPal's policies. Such items may include

various types of toys, vintage postcards and magazines, collectibles, or

food items in the shape of genitalia primarily intended for adult buyers

(unless the item requires the buyer to be 18 in order to purchase). On

eBay, PayPal can only be used for these kinds of items if eBay's policy

allows them to be listed outside of its Mature Audiences category. "

Phew?!

After a heavy night out on Friday, I didn't try to follow it, but with a fairly clear head today, I'm none the wiser!

However, it looks like the answer is "no" for PayPal. If anyone is using PayPal for adult toys, they are breaking the T&C and could get their account pulled.

I'd be interested to hear how you get on - best of luck!

Jason

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I emailed Paypal as well. I was very specific as to what I wanted to sell. They gave me the same answer more or less.

After hunting around a little and being limited to the processors already set up in the cart I went to 2CO. The do not accept adult DVD's etc ... but will accept toys. They're charges are high 7.5% and .60 for adult content.

Gwizard - what do you mean when you say "small terminal"? Are you talking about a manual cc machine? I would still have to have a merchant account set up and probably run into the same problems, would I not?

Mike

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Guest gwizard

Yes, I mean manual terminal.

I do not know about US or UK, but in Israel the rate for Jewelry is 2% and for computer stuff 4%

I guess Adult materials would be about 5%, but do you really have to tell them what you sell ? :w00t:

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Guest Brivtech

Yes, I mean manual terminal.

I do not know about US or UK, but in Israel the rate for Jewelry is 2% and for computer stuff 4%

I guess Adult materials would be about 5%, but do you really have to tell them what you sell ? :)

Have you considered classifying your products as adult novelty items? I once had a party shop with a hen night section. We used to sell vibrators, but they were sold as hen night novelty items. If you built up a product portfolio that implied you were aiming at the adult novelty market, then people would take a different view of you. Perhaps it's not the approach you're aiming at, but it may help to get you going until you resolve the payment options.

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Guest flmike

Brivtech, I think you're right. I've been trying lean more towards "Adult Novelty" than towards "sex shop" or something like that.

Does anyone have any experience using 2CO? I've gotten all set up with them and did a couple test sales. The sales worked just fine but I can not get the cart to send me an email saying there was a sale (it worked correctly with Paypal) - Also, when I get redirected back to my cart from 2CO after the sale there are still items in the cart ... any ideas? I'm lost.

Mike

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Guest reeko357

I am about to give AlertPay a try.

They seem to be very much like PayPal

but they DO allow adult or "risky" accounts.

The only problem is, theres no CC gateway available.

I've modified my Postal Order page to direct customers to AlertPay.

****It would really be nice if there was a gateway for:

CCBill

AlertPay

StormPay

iKobo

hint hint..nudge nudge :) :)

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Guest flmike

I looked at AlertPay, I was under the impression customers would have to sign up with them before making a payment. Thats why I lost interest in them.

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  • 1 month later...

Yes I too am facing some issues. While I'm not selling Adult/Racist etc stuff I am looking at running a number of sites that have items that are listed in the NO SELL for Paypal, 2CO etc (I'm selling to raise funds for charity - you have no idea how hard it is to get a CC Company to let you do this!!)

ccBILL do allow you to handle Adult content

ccBILL will allow me to run my sites

But I can't find ANY good PHP based shopping carts that have ccBILL support built in & I don't feel like writing that integration!!

it would be GREAT if CubeCart had ccBILL integration out of the box! (Or even as a plugin)

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Guest alexLaz

I am about to give AlertPay a try.

They seem to be very much like PayPal

but they DO allow adult or "risky" accounts.

The only problem is, theres no CC gateway available.

I've modified my Postal Order page to direct customers to AlertPay.

****It would really be nice if there was a gateway for:

CCBill

AlertPay

StormPay

iKobo

hint hint..nudge nudge :rolleyes::D

Oh, stormpay is close merchants system .

Alertpay is worked , i'm have this gateway (and stormpay gateway) for cc3. information in my signature.

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Guest xtremex

Yes I too am facing some issues. While I'm not selling Adult/Racist etc stuff I am looking at running a number of sites that have items that are listed in the NO SELL for Paypal, 2CO etc (I'm selling to raise funds for charity - you have no idea how hard it is to get a CC Company to let you do this!!)

ccBILL do allow you to handle Adult content

ccBILL will allow me to run my sites

But I can't find ANY good PHP based shopping carts that have ccBILL support built in & I don't feel like writing that integration!!

it would be GREAT if CubeCart had ccBILL integration out of the box! (Or even as a plugin)

I have actually tested another alternative to PayPal, a new service called Corporate Security Payment Services aka CSPS. Signup was pretty easy and they let you fund your account through multiple Payment gateways including PayPal.

They have everything PayPal has but better there are no restrictions, through they dont accept online casinos.

http://www.csecurity.net is the site if you sign up please refer me!!!

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Guest vrakas

I only know of 1 site that is now accepting everyone regardless of industry, I use it myself and have had no problems. It seems new, but I've been using it over a month now. Check it out http://www.csecurity.net

Is this your site?

If not why do you have it in your signature ;)

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Guest xtremex

I only know of 1 site that is now accepting everyone regardless of industry, I use it myself and have had no problems. It seems new, but I've been using it over a month now. Check it out http://www.csecurity.net

Is this your site?

If not why do you have it in your signature ;)

Because I love it so much and use it! You should put it in yours too to help spread the word of this great PayPal alternative!

Thanks

By the way I own XtremeX so no infringing or else I'll sue ya :P

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  • 2 weeks later...
Guest dudestore

I am about to give AlertPay a try.

They seem to be very much like PayPal

but they DO allow adult or "risky" accounts.

The only problem is, theres no CC gateway available.

I've modified my Postal Order page to direct customers to AlertPay.

****It would really be nice if there was a gateway for:

CCBill

AlertPay

StormPay

iKobo

hint hint..nudge nudge :):)

Oh, stormpay is close merchants system .

Alertpay is worked , i'm have this gateway (and stormpay gateway) for cc3. information in my signature.

I wish to point it out that the alertpay's transfer file has an error.

In transfer.inc.php (#126-127):

global $module, $basket, $ccUserData, $

cart_order_id, $config, $GLOBALS;

Should be:


global $module, $basket, $ccUserData, $cart_order_id, $config, $GLOBALS;

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Guest koneo

I am running an adult toy store at the moment, I have left a hosting company using x-cart due to differences that I will not mention (They were also my dropship company) But I went to Chase bank opened up a business account, and they gave my name to someone at linkpoint who set up my merchant account. He said I could not be a porn site, but after letting him browse the site, he said that it was tamer than most sites he visits :( However I have been down for a while because linkpoint api sucks with cubecart. SO I have finally payed a small dev firm to build me a module and should be back up soon.

I had every bank in town tell me NO!!! but Chase allowed me to open an account and helped me find a merchant to set up with.

So don't give up, if you knock on enough doors someone will open up sooner or later.

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  • 2 weeks later...
Guest JadedEvan

Kind of sad that the adult video/toys/whatever industry is one of the biggest sources of online revenue that you could find, yet none of these banks will touch it with a 10 foot pole. Oh, the irony. I'm totally threatened by sexuality!!

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