Is PayPal’s Hostility towards Adult Industry Workers Fair?

Dec 15, 2014

It is no secret that online payment processors like PayPal and WePay, are hostile towards adult content, even though PayPal began its empire associating with the very industry it now has sworn to ban. Many a sex worker and adult business has been given the ominous warning email stating that their account will be shut down and assets frozen if they continue operation, and some have even had accounts frozen and monies evaporate without warning. Is there any hope for sex workers and adult businesses to receive online payment?

Sex worker Kitty Stryker, recently recounted her horror story dealing with PayPal and online transactions. It seems that PayPal and other popular online payment processors not only go after transactions they deem as “adult,” but also after any individuals who are currently associated or formerly associated with sex work in any capacity. A few years ago, porn performer Maggie Mayhem tried to raise money to fund relief work in Haiti, but PayPal shut down the account simply because of her professional history.

It’s not just PayPal and WePay that is making online payment processing near impossible for the adult merchant accounts, Amazon Payments and Google Wallet have also followed suit; shutting down accounts and freezing legitimately earned money if they suspect the account owner is in any way affiliated with the porn industry.

This blind discrimination against this community has had two effects on porn businesses and affiliated individuals. First, it has discouraged people and businesses from online payment processing, forcing many to deal in cash. Secondly, it has left many in the adult industry searching for legitimate payment processors that perform online payment processing. knows that your adult merchant account is a legitimate business, and has opened and managed the accounts of adult businesses across the United States and Canada. The time is now to go beyond cash and begin accepting more diverse forms of payment that your customers prefer. Call 1-800-621-4893 to establish an account today!

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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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