Sustainable Payment Solutions for Adult Entertainment Businesses
There are some fairly specific adult processing issues around stringent banking regulations and high incidences of chargebacks that are usually involved. Certain gateways were supposed to cater for the niche area of adult content; for instance, Segpay and Epoch can provide individualized solutions, including stealthier billing descriptors in order to avoid silly investigations. They regarded well compliance with regulations in age-verification, which is usually tied to programs checking the users’ ages prior to wire transfers to such people. All reputable processors in the adult area have multiple means of payment; international money transfers and most cryptocurrencies keep the cash flowing regularly. They are also making use of a high-level fraud detection filtered to the industry-specific patterns like repeated subscription fraud and stolen card use.
Maintaining Continuous Processing for Adult Sites
To prevent payment interruptions in the future, adult businesses need to employ redundant processing via multiple gateways. This means establishing parallel integrations with providers in other jurisdictions, so in the event that one processor adjusts policy, transactions can automatically be sent to alternatives. Discreet billing descriptors are essential – they must correspond to the business’s publicly facing name without disclosing the adult status of transactions. Most successful operators distribute risk through a mix of payment aggregators and direct merchant accounts. There must be ongoing monitoring of chargeback ratios, and action taken quickly if they come close to 1% of transactions. Specialized chargeback prevention products for adult businesses are available from some processors, including additional documentation requirements for high-risk countries.
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