Adult Dating Site Hacking: What It Means For All Other Dating Sites

Jun 17, 2015

We all know that adult merchants bring big business, and we all know that every website is prone to hacking. So what happens when an adult dating website is hacked? Chaos. Allegedly, AdultDatingFinder.com, a site that helps people find casual hookups, has been hacked and all types of sensitive info is in the hands of hackers. This can happen to any adult website, and all adult merchants need to make sure that their business is as secure as possible.

Of course, not all hackings can be prevented, but a good security set-up can help combat many hacking threats. While good computer security is always necessary, you also need to make sure that you have a good, legit adult dating merchant account provider. Like other types of merchant accounts, all adult dating merchant accounts are not created equal, and you need to thoroughly research your options before signing your contract. You can always Google to find adult dating merchant account providers, but usually the top Google “hits” are simply companies that have paid to be featured. You need to research, and a good place to start is the BBB, or Better Business Bureau. For example, adult dating merchant account provider EMB has an A+ BBB rating, which is the best that a company can earn.

You also need to ask questions. Many who offer up adult dating merchant accounts are not prepared if a hacking occurs, and they are not prepared for an influx of fraudulent charges. If you are a high risk merchant, you know that fraudulent charges and subsequent chargebacks are an all-too-common part of the industry. What tends to happen when you have a sub-par adult dating merchant account provider is that when a fraudulent charge hits, they panic. Fraudulent charges bring chargebacks, which can be upwards to 270% of the original charge. This causes panic, because the merchant account provider ends up losing money, and in return they jack up processing fees, or simply dump the account. A reputable adult dating merchant account provider, such as EMB, simply knows that this is part of a lucrative, but potentially hazardous, industry.

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Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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