Best Affordable Adult CC Processors Nowadays

[ryanlanane]

I know there's CC Bill and probably Epoch still standing ...

Awhile ago I remember Epoch, assuming CC Bill too went to a system where you had t pay $500 per billing descriptor under their merchant account - can't remember the particulars.

Anyways I am in the planning stages of a new websites that will require processing of CC's with (of course) adult material. I am wondering what the top 3-5 processors are nowadays ?

Also wondering if the startup fees would still be $500 up front no matter who I go through ?If anyone has websites that describe this stuff in depth with referral links feel free to spam them. If that's not allowed here anymore you can PM me with those website links.

Otherwise general thoughts and names are appreciated, thanks. Most of what I googles were solutions for people with merchant accounts already.

[JasonCollins]

We have been around since 1997 (20 years this year!! ) processing credit cards, direct debit EU and Bitcoin.

We have a couple of different programs (with and without annual fees) and I would be happy to discuss them with you. Feel free to drop me an email ([email protected]) or add me on Skype: verotel-jason

Will you be around for interNext or AEE in Vegas?

[MiamiBoyz]

I agree with Jason as my signature clearly states!

[ChristinaS]

Webbilling does CC processing. Although, we specialize in localized EU billing- Which is very important for your European traffic. I would love to tell you more, hit me up on Skype at: christinaschneeman or email me [email protected]

[ryanlanane]

Jason, added you to Skype ... Waited a bit but no response,

Getting caught up in some things now but wow ! Taking a look at ALL 3rd party credit card processing rates is blowing me away. Typically starting around 15 % with the $500 surcharge ( I expected, that rule went into place about 4 year before I left the industry).

However back when I processed with Epoch, I was getting around 8.5 % rates. This was in the early 2000's ... I understand some rate increases, but profit margins were already being squeezed, sure it's gotten even worst. It was becoming a pure volume game. From the few times I've checked in it seems like there are the 'big guys' that control a lot of the affiliate market under different brands ... and many many less smaller guys. I could be wrong, but a few years ago that's what I read into it when I was checking in.

Now, checking into rates, laying out a business plan etc .. I expect maybe top end of 10% CC processing rates and I see I'm looking at 15% everywhere.

Can anyone explain what happened to the explosion of processing rates ? From what I got the $500 fee was a small way of putting pressure on merchants processing for other adult companies. As were the charge back rates above 1.5 % (i think) having astounding fees or your accounts closed unconditionally if I remember right. I crossed that margin 1 maybe 2 months out of 18 but the rest of the months I was always under 1% very well.

It seems like that was a period of EXTREME chargebacks from all pay sites. Many pry due to the companies that literally were screwing companies. Some run by the aussie boys offered free trials and 24 hours later charge upwards of $75 a month. So people were pissed in general. It's also when people officially came to realize 'recurring billing' was something they could get out of in adult without being embarassed about it due to the lack of descriptors. I think adding descriptors for the $500 probably actually helped with that. Anywways it was the perfect storm for a chargeback boom. That passed, a lot of people got killed. Some companies exceeded 20 % that had bad business practices - at $25 a pop for chargebacks, ouch !

Anyways I'm rambling ... Seriously what happened and why did rates almost double ? I was only at the percent I was at due to my volume. I'm still pretty sure top end was no higher then 10% back then.

[JasonCollins]

Originally Posted by ryanlanane

Jason, added you to Skype ... Waited a bit but no response

Replied back to your Skype. I'm located in Amsterdam so we might be on different timezones.

[celandina]

I

Originally Posted by ryanlanane

Jason, added you to Skype ... Waited a bit but no response,

Getting caught up in some things now but wow ! Taking a look at ALL 3rd party credit card processing rates is blowing me away. Typically starting around 15 % with the $500 surcharge ( I expected, that rule went into place about 4 year before I left the industry).

However back when I processed with Epoch, I was getting around 8.5 % rates. This was in the early 2000's ... I understand some rate increases, but profit margins were already being squeezed, sure it's gotten even worst. It was becoming a pure volume game. From the few times I've checked in it seems like there are the 'big guys' that control a lot of the affiliate market under different brands ... and many many less smaller guys. I could be wrong, but a few years ago that's what I read into it when I was checking in.

Now, checking into rates, laying out a business plan etc .. I expect maybe top end of 10% CC processing rates and I see I'm looking at 15% everywhere.

Can anyone explain what happened to the explosion of processing rates ? From what I got the $500 fee was a small way of putting pressure on merchants processing for other adult companies. As were the charge back rates above 1.5 % (i think) having astounding fees or your accounts closed unconditionally if I remember right. I crossed that margin 1 maybe 2 months out of 18 but the rest of the months I was always under 1% very well.

It seems like that was a period of EXTREME chargebacks from all pay sites. Many pry due to the companies that literally were screwing companies. Some run by the aussie boys offered free trials and 24 hours later charge upwards of $75 a month. So people were pissed in general. It's also when people officially came to realize 'recurring billing' was something they could get out of in adult without being embarassed about it due to the lack of descriptors. I think adding descriptors for the $500 probably actually helped with that. Anywways it was the perfect storm for a chargeback boom. That passed, a lot of people got killed. Some companies exceeded 20 % that had bad business practices - at $25 a pop for chargebacks, ouch !

Anyways I'm rambling ... Seriously what happened and why did rates almost double ? I was only at the percent I was at due to my volume. I'm still pretty sure top end was no higher then 10% back then.

Verotel is one of the best ! Most reliable and honest. My advice, do NOT look for cheap, you usually get screwed. Before I went with Verotel, i was, like you... " into cheap" ....it cost me thousands. I went thru the Paymondes, Webstreams, and some fucking Bulgarians, never mind some Cypriots I do not care to remember. All of them closed shop overnight and stuck me ( and many other webmasters for their reserves). In my case for about $ 10,000. So, if I give Jason 40 dollars more / per month at least I can sleep well. So in about 100 months ( 8 years from now) I will go to Jason and negotiate "cheap".... But by then they will have PayPal and I will give it 8 more years after that.

[AdultMerchantServices]

we have been in the adult industry for 10 years now. we can provide merchant accounts with or without registration fees, depending if you want to go bank direct (lowest processing cost) or use one of our 3rd party billing platforms (generally higher fees than bank direct).

direct fees will be atleast half as much as those epoch rates you mentioned below.

i would be happy to speak with you. you can call us at 877-488-8885 or email me at [email protected]

[Klen]

Originally Posted by celandina

I

Verotel is one of the best ! Most reliable and honest. My advice, do NOT look for cheap, you usually get screwed. Before I went with Verotel, i was, like you... " into cheap" ....it cost me thousands. I went thru the Paymondes, Webstreams, and some fucking Bulgarians, never mind some Cypriots I do not care to remember. All of them closed shop overnight and stuck me ( and many other webmasters for their reserves). In my case for about $ 10,000. So, if I give Jason 40 dollars more / per month at least I can sleep well. So in about 100 months ( 8 years from now) I will go to Jason and negotiate "cheap".... But by then they will have PayPal and I will give it 8 more years after that.

Whatabout zombaio ?

[JasonCollins]

Originally Posted by MiamiBoyz

I agree with Jason as my signature clearly states!

Originally Posted by celandina

I

Verotel is one of the best ! Most reliable and honest. My advice, do NOT look for cheap, you usually get screwed. Before I went with Verotel, i was, like you... " into cheap" ....it cost me thousands. I went thru the Paymondes, Webstreams, and some fucking Bulgarians, never mind some Cypriots I do not care to remember. All of them closed shop overnight and stuck me ( and many other webmasters for their reserves). In my case for about $ 10,000. So, if I give Jason 40 dollars more / per month at least I can sleep well. So in about 100 months ( 8 years from now) I will go to Jason and negotiate "cheap".... But by then they will have PayPal and I will give it 8 more years after that.

Appreciate the support guys!

[TeenCat]

achdebit, zombaio, vendo, segpay, have luck