List of Adult Payment Processors and My Own Thoughts

[vintageadult]

Here?s the list of adult payment processors and my all thoughts about them;

CCBill ; One of the biggest in adult , they have some strict aup policy for the content type, they don?t require 500/1000 $ fee for Mastercard , if you only use Visa. But they have lots of cuts; (like %16 for transaction, %5 for holding money, 15 $ for domestic transfer)
They have Excellent support and separate teams.

Epoch; Their best feature is , they accept paypal as a payment option with master card and visa. But you have to pay 500 or 1000 $ fee for yearly. I think it worths because you may double even triple your business sales with paypal via Epoch.
But epoch has more strict policies for the content types and site-types. They only accept content owners and paysites may be the big fishes. Their support is good.

Verotel; They are available to accept much more content types. No strict aup policy on them for the content types and website types. Because they are located in Netherlands. But you have to pay 500 $ fee of mastercard again on this. Also they do not accept every script, you have to use their script or use provided member plugins on wordpress.
Their support is a bit serious and lazy. They dont answer their phones.

Segpay; They have very strict aup policy for the type of content and websites. Fair support. You can disable 500 $ /1000 $ fee of mastercard if you only want Visa as a payment option.

Dwolla; Tried but their support is bad, I cant able to fix problems on that.

Bitpay; Good support. But buying bitcoin is too much complex for the adult visitors. They have to provide alternative buying options for bitcoins.

Authorize.net; 49 $ start-up and 25 $ for monthly isnt for starters. They accept adult and they are able to find bank/processors for your website. But you even have to pay other money to their processors too..

[Nigouki]

I run CCbill and Epoch together on my site and have found they work great together. CCbill mainly accounts for my domestic traffic while Epoch has given us a huge boost overseas (mainly Europe) and through paypal.

[j3rkules]

CCBill all the way.

[maxwell28]

great post.
can you expand on authorize. net?
I was told they did not accept adult.
Did that change recently?
Please provide details.

[vintageadult]

Originally Posted by maxwell28

great post.
can you expand on authorize. net?
I was told they did not accept adult.
Did that change recently?
Please provide details.

For Authorize.net and dwolla ; they only accept US based merchants and authorize is mostly used as a reporting system and its like a payment processor finder/ seeker for you. They look up and send your details to one of their processors/ banks and this will make you to transact via authorize.
I can say its not as good as what you think because you will have to face many additional document sign ups and costs.

Zombaio; I heard lots of negative feedback for them, their best feature is no need to pay 500 $ fee for mastercard, but it seems their ssl isnt correct and they require some additional documents about your identity. I dont know if its pay or not to their merchants but i can say their support isnt well.

Netbilling; They accept adult but again their costs are too much;
? Application fee of $99.00 ( Waived )

? Non-Qual Rate 4.29% + .30¢ per transaction

? Monthly statement fee of $10.00

? High Risk annual fee $1000.00 (Directly from Visa and MC. Billed after merchant account is approved)

Payoneer; They dont have credit card billing feature or buy now buttons options for adult websites.

Paxum; They have buy now buttons but its useless, your customers have to have paxum account and it must be approved by paxum with lots of id info, very useless...

Vendobilling;
Never tried but they have good reputation and support one of the biggest sites using them for transaction. They require much more documents to get accepted.

Commercegate; Another good alternative but never tried.

Paysafe card ; Never tried

Webmoney; Never tried

[NETbilling]

Originally Posted by vintageadult

For Authorize.net and dwolla ; they only accept US based merchants and authorize is mostly used as a reporting system and its like a payment processor finder/ seeker for you. They look up and send your details to one of their processors/ banks and this will make you to transact via authorize.
I can say its not as good as what you think because you will have to face many additional document sign ups and costs.

Zombaio; I heard lots of negative feedback for them, their best feature is no need to pay 500 $ fee for mastercard, but it seems their ssl isnt correct and they require some additional documents about your identity. I dont know if its pay or not to their merchants but i can say their support isnt well.

Netbilling; They accept adult but again their costs are too much;
? Application fee of $99.00 ( Waived )

? Non-Qual Rate 4.29% + .30¢ per transaction

? Monthly statement fee of $10.00

? High Risk annual fee $1000.00 (Directly from Visa and MC. Billed after merchant account is approved)

Payoneer; They dont have credit card billing feature or buy now buttons options for adult websites.

Paxum; They have buy now buttons but its useless, your customers have to have paxum account and it must be approved by paxum with lots of id info, very useless...

Vendobilling;
Never tried but they have good reputation and support one of the biggest sites using them for transaction. They require much more documents to get accepted.

Commercegate; Another good alternative but never tried.

Paysafe card ; Never tried

Webmoney; Never tried

The merchant account rates that you posted below for us is pretty ow for an adult high risk account. If you are seeking tangibles or mainstream, of course the merchant account rates are less. We work with many many banks and can offer the lowest merchant account rates in the industry, based on what you sell.

The high risk fees are what they are, regardless of what processor you go with. We don't set those. If someone tells you they can process for your adult sites with no high risk Visa and Mastercard registration fees,mother they are not coding your account properly and you are asking for big problems. That said, what type of account are you looks for? We can help.

Mitch

[NETbilling]

Originally Posted by maxwell28

great post.
can you expand on authorize. net?
I was told they did not accept adult.
Did that change recently?
Please provide details.

They do not process adult. Also,mother features and functionality are completely lacking for what a high risk adult merchant needs.

Mitch

[vintageadult]

Originally Posted by NETbilling

They do not process adult. Also,mother features and functionality are completely lacking for what a high risk adult merchant needs.

Mitch

Actually Authorize.net dont process yes but they are able to find banks/processing units for you so you can use their gateway in your website , Authorize.net is only using for reporting things. Processing is helded by their sub-gateway processors.


I think Netbilling must be reduce the application fee and monthly statement fee.
For CCBill they dont require monthly statement fee and app fee. Also they allow for choosing only Visa for a starting option. So, we dont have to pay 1000 $ mastercard fee by this option. (But mastercard will not appear on payment page)

[NETbilling]

Originally Posted by vintageadult

Actually Authorize.net dont process yes but they are able to find banks/processing units for you so you can use their gateway in your website , Authorize.net is only using for reporting things. Processing is helded by their sub-gateway processors.


I think Netbilling must be reduce the application fee and monthly statement fee.
For CCBill they dont require monthly statement fee and app fee. Also they allow for choosing only Visa for a starting option. So, we dont have to pay 1000 $ mastercard fee by this option. (But mastercard will not appear on payment page)

Yes - we have a $500 guarantee to beat any merchant account rates here in the US for retail/moto. Send a statement and we will get an analysis done.

Mitch

[chubbsy]

Sweet, I never knew that Epoch supported Paypal. Would that require you to have a Paypal account to deposit the funds into or do they handle it? I have tried contacting these guys before about signing up but never heard back.

I have been using Verotel and been working ok, how their support has been atrocious.

[vintageadult]

Originally Posted by chubbsy

Sweet, I never knew that Epoch supported Paypal. Would that require you to have a Paypal account to deposit the funds into or do they handle it? I have tried contacting these guys before about signing up but never heard back.

I have been using Verotel and been working ok, how their support has been atrocious.

No there is no need a paypal account for using Epoch.

You have to call them, they answered and contacted you...

[JasonCollins]

Originally Posted by vintageadult

Verotel; They are available to accept much more content types. No strict aup policy on them for the content types and website types. Because they are located in Netherlands. But you have to pay 500 $ fee of mastercard again on this. Also they do not accept every script, you have to use their script or use provided member plugins on wordpress.
Their support is a bit serious and lazy. They dont answer their phones.

We will waive the annual fee for MasterCard if you can provide previous processing history greater than EUR 100/week.

For the API/Verotel RUM: We do have a copy/paste solution (Verotel RUM), but for WordPress, no unfortunately we don't provide a plugin. There are premium plugins and I think you and I have discussed this? A premium plugin that works well with Verotel is aMember. Aside from this, you can customize our API and/or RUM script to fit your needs, but I think based on our previous conversation - You were looking for a ready/made WordPress plugin? We do offer plugins for OSCommerce, PrestaShop and Open Cart. More details can be found at: FlexPay API | Verotel

[Rand]

Originally Posted by chubbsy

Sweet, I never knew that Epoch supported Paypal. Would that require you to have a Paypal account to deposit the funds into or do they handle it? I have tried contacting these guys before about signing up but never heard back.

I have been using Verotel and been working ok, how their support has been atrocious.

Yes, you do need an account to accept the payments processed via PayPal.

We make it really easy to contact us.

[marc22]

What about cardbilling?

Cardbilling, A Revolutionary Payment Solution

They are powered by Verotel and i saw it from JasonCollins's signature.

CardBilling
- Visa, Mastercard, Discover, Diners Club, JCB
-Transaction Rate of just 5%.
- a one-time setup fee of US$ 500.00
- an annual registration fee of US$ 500.00
- any transaction from US 1.95 to US$ 500.00.
- A 5% holdback reserve applies to all accounts for a period of 26 weeks.

For example, for a US$ 20.00 they only charge 5% (US$ 1.00) as an all-inclusive Transaction Rate.


has anyone tried them?

[vintageadult]

Originally Posted by marc22

What about cardbilling?

Cardbilling, A Revolutionary Payment Solution

They are powered by Verotel and i saw it from JasonCollins's signature.

CardBilling
- Visa, Mastercard, Discover, Diners Club, JCB
-Transaction Rate of just 5%.
- a one-time setup fee of US$ 500.00
- an annual registration fee of US$ 500.00
- any transaction from US 1.95 to US$ 500.00.
- A 5% holdback reserve applies to all accounts for a period of 26 weeks.

For example, for a US$ 20.00 they only charge 5% (US$ 1.00) as an all-inclusive Transaction Rate.


has anyone tried them?

500 $ setup fee???

and also 500 $ annual fee is pretty high for small business owners.

There must be a way to freely use these services like paypal..

[MzStevens]

I don't think you're getting it. Paypal is free because they don't allow adult transactions (except through epoch). Being in the adult industry means high risk payment processing. Those high annual fees are because we're classified as high risk. You're not going to be able to get around the fees without being non adult, otherwise we'd just all use paypal.

[vintageadult]

Originally Posted by MzStevens

I don't think you're getting it. Paypal is free because they don't allow adult transactions (except through epoch). Being in the adult industry means high risk payment processing. Those high annual fees are because we're classified as high risk. You're not going to be able to get around the fees without being non adult, otherwise we'd just all use paypal.

Now, Understand that. I think the low business owners should not be into adult. Because 500 $ /1000 $ annual fee and other fee's are much higher for them(also for us).
If you are Pornhub then you can pay the high risk annual fee and it will just a small piece of cake...

I guess running a game site and selling some game stuffs etc. is more better than adult because you can use paypal as a free.
If anyone wants to buy adult website from us, we are always open to discuss. We can always ready to sell it.

[Mobius Matt]

Mobius Payments has been helping adult businesses for over 10 years. We are good at what we do and always have our partners best interest at heart.

[RTP]

^---- Payment processing requires a great deal of trust. Mobius are good people with a good product. If I needed billing that's who I'd go with

[wslover317]

We use Verotel with Amember as Jason has stated and Amember the best solution I have found for WordPress memberships.

We also use Verotel Flexpay with Woocommerce for downloadable content, both CC and Bitcoin. This is a custom solution and if anyone needs the plugins, let me me know.

Jason, if you are interested, I can provide you with these.

Originally Posted by JasonCollins

We will waive the annual fee for MasterCard if you can provide previous processing history greater than EUR 100/week.

For the API/Verotel RUM: We do have a copy/paste solution (Verotel RUM), but for WordPress, no unfortunately we don't provide a plugin. There are premium plugins and I think you and I have discussed this? A premium plugin that works well with Verotel is aMember. Aside from this, you can customize our API and/or RUM script to fit your needs, but I think based on our previous conversation - You were looking for a ready/made WordPress plugin? We do offer plugins for OSCommerce, PrestaShop and Open Cart. More details can be found at: FlexPay API | Verotel

[MaxPSC]

Originally Posted by vintageadult

500 $ setup fee???

and also 500 $ annual fee is pretty high for small business owners.

There must be a way to freely use these services like paypal..

With Paysite-cash:

- Setup fee 250?
- Monthly fee 25? (only if your sales are lower than 2 500?/month)
- Rates from 1,9%

- Direct Merchant account + Gateway (all in one solution - we're a Financial Institution)
- Iframe payment form
- Local schemes
- 15 years experience in Adult business and mainstream

And more features...contact me for more information

[email protected]

Max

[JasonCollins]

Originally Posted by wslover317

We use Verotel with Amember as Jason has stated and Amember the best solution I have found for WordPress memberships.

We also use Verotel Flexpay with Woocommerce for downloadable content, both CC and Bitcoin. This is a custom solution and if anyone needs the plugins, let me me know.

Always love hearing positive news!

Originally Posted by wslover317

Jason, if you are interested, I can provide you with these.

Sure, if this is something that you are willing to share please send it to me by email.

[wslover317]

Just sent to you with a question if you dont mind.

Originally Posted by JasonCollins

Sure, if this is something that you are willing to share please send it to me by email.

[plsureking]

ccbill is ccbill. expensive and well trusted by surfers.

epoch, im sorry guys, has the worst backend of any biller. its over 10 years old and hard to use.

zombaio is good if you need a biller but dont need to get paid.

verotel is my top recommendation. very easy approval for anyone in the world, low declines, and Jason is always available on skype (during working hours).

mobious is really good for a merchant account provider. i just did a custom install and built a NATS knockoff for a client. their system has a good api.

netbilling is quality but expensive and requires programming skills. its not a startup choice.

auth.net does NOT allow membership sites. they do allow hard goods. i don't know where you got your info, but we just had a site owner get their account yanked for moving from hard goods to digital. they switched to Verotel.

that's about all we use or install on the regular....

..

[JasonCollins]

Originally Posted by wslover317

Just sent to you with a question if you dont mind.

Much appreciated sir! Answer is on its way to you now!

Originally Posted by plsureking

verotel is my top recommendation. very easy approval for anyone in the world, low declines, and Jason is always available on skype (during working hours).

Thanks for the support man!

[vintageadult]

Originally Posted by plsureking

ccbill is ccbill. expensive and well trusted by surfers.

epoch, im sorry guys, has the worst backend of any biller. its over 10 years old and hard to use.

zombaio is good if you need a biller but dont need to get paid.

verotel is my top recommendation. very easy approval for anyone in the world, low declines, and Jason is always available on skype (during working hours).

mobious is really good for a merchant account provider. i just did a custom install and built a NATS knockoff for a client. their system has a good api.

netbilling is quality but expensive and requires programming skills. its not a startup choice.

auth.net does NOT allow membership sites. they do allow hard goods. i don't know where you got your info, but we just had a site owner get their account yanked for moving from hard goods to digital. they switched to Verotel.

that's about all we use or install on the regular....

..

Why you think that ccbill is expensive?

and for epoch; their paypal capability is worth of their old interface.

Is zombaio dont pay their merchant's money?

[plsureking]

Originally Posted by vintageadult

Why you think that ccbill is expensive?

high setup & annual fees, high processing fee, high reserves, high decline rate.

we have hundreds of sites using ccbill as primary and backup. they are a solid and trusted company. its just not a good startup choice.

Originally Posted by vintageadult

and for epoch; their paypal capability is worth of their old interface.

Paypal is for EU site owners only for EU customers only. until all billers accept Paypal worldwide, i wouldn't trust a Paypal sale.

Originally Posted by vintageadult

Is zombaio dont pay their merchant's money?

yea lol it was serious shit. do a search...

[AdultMerchantServices]

If you are looking for a non-sponsored direct merchant account, we have usa and eu solutions. Lower rates than the sponsored accounts. Adult Merchant Services | Adult Credit Card Processing or 1-877-488-4885

[AdultMerchantServices]

Or email: [email protected]

[celandina]

Originally Posted by vintageadult

No there is no need a paypal account for using Epoch.

You have to call them, they answered and contacted you...

A good list, but unless the others entice PP, Epoch eventually will be the only one left

[Shadexpwn]

Paxum isn't bad for receiving payments from affiliate networks, not sure about if they allow you to accept credit cards or not.

I'd also vouch for CCBill processing.

[Geni]

Is anyone using billing.creditcard? Cardbilling? I would like to join them, but don't know if I can trust them, so any info would be really appreciated.

[NETbilling]

Originally Posted by plsureking

ccbill is ccbill. expensive and well trusted by surfers.

epoch, im sorry guys, has the worst backend of any biller. its over 10 years old and hard to use.

zombaio is good if you need a biller but dont need to get paid.

verotel is my top recommendation. very easy approval for anyone in the world, low declines, and Jason is always available on skype (during working hours).

mobious is really good for a merchant account provider. i just did a custom install and built a NATS knockoff for a client. their system has a good api.

netbilling is quality but expensive and requires programming skills. its not a startup choice.

auth.net does NOT allow membership sites. they do allow hard goods. i don't know where you got your info, but we just had a site owner get their account yanked for moving from hard goods to digital. they switched to Verotel.

that's about all we use or install on the regular....

..

Hi,

We are less expensive than any 3rd party biller and require no programming skills at all if you use our remote mode interface (hosted forms). However, if you want 100% flexibility, you can do the interface programming in your end and use our direct mode interface. Also, if you are selling products, we are integrated with dozens of the most popular shopping cart systems available.

Let me know if you have any questions.

Mitch

[vintageadult]

Originally Posted by plsureking

high setup & annual fees, high processing fee, high reserves, high decline rate.

we have hundreds of sites using ccbill as primary and backup. they are a solid and trusted company. its just not a good startup choice.

.

- I guess CCBill hasnt got a setup fee, they just have annual fee's . But you can waive that fee for mastercard. Also if you only prefer visa and jcb/discover then there is no annual fee on ccbill.

I agree with you about high reserves and high processing fee on ccbill. Its true because they are high risk processor.
But I have a question for you;
How much money($) should we make on ccbill in order to receive auto-payment from ccbill to our bank account's? (without all of the cuts: - process fee, transfer fee, holdback fee etc..)
Is it 150 $ or 200 $? And after all of the cuts , how much money will be remain to us?

Guessing there must be very big fishes around there to use high risk processors like ccbill and high-risk processing isnt for small websites/ small business owners because of the fee's... There must be another company which accepts payments like paypal with low fee's or free.
Paxum and Payoneer should be create a credit card transaction system...

- The best part of Verotel is they can discard annual fee's. Also they accept bitcoin's. And also they are available to variety of content types.

- Best part of Netbilling is they can be implement into shopify and other shopping cart systems, which is very easy part for customers.

- Is that photo belong to you on your avatar?

[plsureking]

Originally Posted by NETbilling

Hi,

We are less expensive than any 3rd party biller and require no programming skills at all if you use our remote mode interface (hosted forms). However, if you want 100% flexibility, you can do the interface programming in your end and use our direct mode interface. Also, if you are selling products, we are integrated with dozens of the most popular shopping cart systems available.

Let me know if you have any questions.

Mitch

ya your api interface is really nice. i did one click implementation for Yanks last year..

.

[plsureking]

Originally Posted by vintageadult

- Is that photo belong to you on your avatar?

yea thats my sloppy selfie in my avatar (before selfies were a thing)..

[JasonCollins]

Originally Posted by Geni

Is anyone using billing.creditcard? Cardbilling? I would like to join them, but don't know if I can trust them, so any info would be really appreciated.

Hi Geni,

Send me an email and I can give you some references if you would like to see some sites that are currently billing with CardBilling.

[leines]

i recommend Coinsnap for Bitcoin Payment

[vintageadult]

Originally Posted by leines

i recommend Coinsnap for Bitcoin Payment

Bitcoins arent using by adult surfers/visitors usually. Only %1 of them using it we guess..

Also, please allow me to edit the first post I would like to add another things in there..

[leines]

Originally Posted by vintageadult

Bitcoins arent using by adult surfers/visitors usually. Only %1 of them using it we guess..

I agree that not so many Adult User does use Bitcoin actually. But...
Bitcoin is growing and will become more and more popular. it is a young payment method and the advantages of this payment method are amazing.
Don't forget the payout option for affiliates and camgirls.