Page 1 of 2 12 LastLast
Results 1 to 25 of 28

Thread: Mobile Credit Card Processing Options

  1. #1
    God/dess Kylea2's Avatar
    Joined
    Nov 2007
    Location
    Denver & San Fran
    Posts
    6,907
    Thanks
    181
    Thanked 2,002 Times in 1,285 Posts

    Default Mobile Credit Card Processing Options

    I can't even count the number of clubs I've worked in within the last year that don't have credit card processing machines... it literally astounds me! How on earth do these clubs manage?! It affects the ability to sell champagne rooms, dances, alcohol etc. I would say it's a necessary business expense. These people have money, just not cash... & the clubs are basically sending them the message that money in the bank isn't good enough. Most guys don't want to carry around hundreds of dollars in cash for a champagne room, & many customers also don't know their PIN numbers, so they can't access the cash through the ATM.

    I was all geared up & excited about Square coming out for Android, it's a mobile credit card processor that hooks up to your cell phone. This week would have been prime for me to try it out. Low & behold though I read through everything & they don't allow "Adult Services"... they even go so far as to specify topless in the "Adult Services".

    So I'm wondering, what other options are out there for us? Can you think of any ways to accept credit directly from your customers, without breaking the Terms Of Service from the processing provider? Are their other types of dongles available to us or applications for phones?
    Don't you ever sleep?
    Not at night...that's when the stars have rather better things to do. They're coming out, shining, that sort of thing.
    - Blog -
    My PM box fills up quick. If you have a question please with your username.
    Congrats to Pryce on doing some much needed tending in his garden!
    - -


  2. #2
    God/dess carmen_b's Avatar
    Joined
    Apr 2007
    Location
    the mountains ....
    Posts
    14,202
    Thanks
    15,165
    Thanked 21,346 Times in 9,308 Posts

    Default Re: Mobile Credit Card Processing Options

    Considering I nearly rolled out of a club waving my middle finger at the owner for deciding they were not going to take credit cards anymore a few months ago, this is on my mind too ............

    We used to be able to run money right through the bar via the bartender and get credit card money for dances! It was awesome. Then they got rid of it . Boo.

    It's really up to club though I'm afraid to provide this. I mean .... I think it's a bit of a strech to get a guy to put his card # into a strippers phone. A better option ( if it's a small place and the owner gives a rats ) would be maybe introduce them to online processing ( if the customer is willing to spend more than $100 or something? ). They would need internet obviously, but would not have to pay a lot up front for a machine to run the cards. They would have to have the manager / lead bartender / dj ALL know how to use it in case one of those people are tied up so that it does not slow your sales down. I am not positive, but I think there are some legal reasons a dancer couldn't use the machine directly right ( then the customer could come back and say " she scammed me blah blah blah " ). I think someone else has to run the transaction.

    This is tricky. I may be pleading with the owner of one place to bring the cards back ( I let her know up front and matter of fact that this was a main reason I was expanding to other places ) . I thought she would after she reviewed her books and saw bar sales clearly go down, but the rumor is that credit is not back yet.

  3. #3
    Featured Member Vamp's Avatar
    Joined
    Jul 2004
    Location
    Missouri
    Posts
    1,111
    Thanks
    271
    Thanked 757 Times in 289 Posts

    Default Re: Mobile Credit Card Processing Options

    The change in credit card and debit card law is going to make it tougher across the board for all businesses. Now if a customer doesnt have the amount avaiable the transaction is turned down instead of over drawing the account or taking the credit card over the limit.

    There is also a crack down on money laundering. If you look in the other work forum about all the talk of pre paid cards not working. Before you could make money from camming and have it deposited onto a card. In essence avoiding the reporting limits. Not so anymore.

    With credit card processing you have to pass qualifications ie credit score, business license etc. Before many businesses that didnt qualify bent the rules. They can't anymore with the new laws.

    That isnt even taking into consideration the fact of charge backs. Charge back is when a customer disputes the transaction on their card. Charge backs can be expensive. For each charge back the merchant ie club has to pay a fee usually around 35 bucks.

    I could go on and on. Bottom line cash is simpler and less expensive.
    Nature knows no indecencies; man invents them. ~ Mark Twain


  4. #4
    God/dess Kylea2's Avatar
    Joined
    Nov 2007
    Location
    Denver & San Fran
    Posts
    6,907
    Thanks
    181
    Thanked 2,002 Times in 1,285 Posts

    Default Re: Mobile Credit Card Processing Options

    Quote Originally Posted by carmen_b View Post
    We used to be able to run money right through the bar via the bartender and get credit card money for dances! It was awesome. Then they got rid of it . Boo.
    That's what I mean! Some of these places don't even have credit card processing machines for the bar... it's crazy!

    There has to be a solution for this. I think I'm going to try contacting some of these places like CCBill, NETBilling, Epoch, NetCash & suggest they build an app for phones. Even if I have to slap down $750 to Visa for being an adult service merchant it would be worth while!

    Last week I had a guy that wanted to give me a check... everyone in the club knew him (except for me), promised he was a good guy & that the check wouldn't bounce... I didn't accept though. If there are guys out there willing to hand over a check I doubt they'd balk at the credit card option.

    Any other suggestions? I can't imagine I'm the first to think of this!
    Don't you ever sleep?
    Not at night...that's when the stars have rather better things to do. They're coming out, shining, that sort of thing.
    - Blog -
    My PM box fills up quick. If you have a question please with your username.
    Congrats to Pryce on doing some much needed tending in his garden!
    - -


  5. #5
    Banned Melonie's Avatar
    Joined
    Jul 2002
    Location
    way south of the border
    Posts
    25,932
    Thanks
    612
    Thanked 10,563 Times in 4,646 Posts
    Blog Entries
    3
    My Mood
    Cynical

    Default Re: Mobile Credit Card Processing Options

    ^^^ the fact is that along with the adult website internet craze the credit card companies have been incurring HUGE levels of chargebacks on 'adult' businesses. Thus commercial bank credit card merchant accounts for 'adult' businesses are very hard to get ... even for established brick and mortar businesses with assets, verifiable incomes, and good credit ratings. Where there is no brick and mortar involved, and where there isn't an established corporation with verifiable income and a solid credit rating, there simply isn't any 'affordable' way to obtain a new 'adult' business credit card merchant account.

  6. #6
    God/dess threlayer's Avatar
    Joined
    Aug 2003
    Location
    Syracuse
    Posts
    5,921
    Thanks
    369
    Thanked 419 Times in 290 Posts
    My Mood
    Fine

    Default Re: Mobile Credit Card Processing Options

    Have your club put up a listing (and a map) in several places of nearby ATMs.

    Clubs have always charged too much with their club-owned ATMs. And now there will be federal rules on maximum ATM charges.
    Last edited by threlayer; 10-29-2010 at 11:56 AM.
    I loved going to strip clubs; I actually made some friends there. Now things are different for the clubs and for me. As a result I am not as happy.

    Customers are not entitled to grope, disrespect, or rob strippers. This is their job, not their hobby, and they all need income. Clubs are not just some erotic show for guys to view while drinking.

    NOTE: anything I post here, outside of a direct quote, is my opinion only, which I am entitled to. Take it for what you estimate it is worth.

  7. #7
    Featured Member Nakita Kash's Avatar
    Joined
    Jan 2007
    Location
    Tampa Bay, FL
    Posts
    920
    Thanks
    218
    Thanked 102 Times in 79 Posts

    Default Re: Mobile Credit Card Processing Options

    Kylea,

    Have you thought of wording your biz services as more of a consultation or life coach type of service as compared to saying it is an adult business you are trying to process through square?

    I have my square. I run cards for personal services (mainly pole lessons & merchandise), but I don't need to spell out every transaction. The downside is that there is a limit so I can't charge much. It does help to have it available though!

  8. #8
    Featured Member Nakita Kash's Avatar
    Joined
    Jan 2007
    Location
    Tampa Bay, FL
    Posts
    920
    Thanks
    218
    Thanked 102 Times in 79 Posts

    Default Re: Mobile Credit Card Processing Options

    Oh, and they have mobile paypal now. It doesn't allow to swipe a card, but you could get $ that way?

  9. #9
    Banned Melonie's Avatar
    Joined
    Jul 2002
    Location
    way south of the border
    Posts
    25,932
    Thanks
    612
    Thanked 10,563 Times in 4,646 Posts
    Blog Entries
    3
    My Mood
    Cynical

    Default Re: Mobile Credit Card Processing Options

    ^^^ Paypal was the first online processor to reject adult businesses across the board. If you try to use their services and are caught, not only will your account be canceled but paypal will also seize any account balance you may have !

  10. #10
    God/dess
    Joined
    Sep 2006
    Posts
    7,964
    Thanks
    6,155
    Thanked 10,183 Times in 4,602 Posts

    Default Re: Mobile Credit Card Processing Options

    I found this site that offers credit card processing from mobile phones.

    https://www.unitedpaymentservices.co...FeFM5Qod8Evg5w

  11. #11
    God/dess Kylea2's Avatar
    Joined
    Nov 2007
    Location
    Denver & San Fran
    Posts
    6,907
    Thanks
    181
    Thanked 2,002 Times in 1,285 Posts

    Default Re: Mobile Credit Card Processing Options

    ^^^ Yes, I've had multiple friends who never recieved their money because of that! They actually do allow fitness & pole classes to process through their system, but the actual striptease is a big no-no. I e-mailed awhile back to check on that.

    Nakita, I was actually waiting to get my new phone (which I got a few wks ago), & then planned to get the square. When I went to sign up for square I noticed they had changed their rules on adult businesses. I don't want to lie about the services because it would put me at risk to end up in a lawsuit & have companies like Visa blacklist me from being able to process through them in the future.

    I really wish ccBill or one of the other adult credit card companies would come out with mobile cc processing...
    Don't you ever sleep?
    Not at night...that's when the stars have rather better things to do. They're coming out, shining, that sort of thing.
    - Blog -
    My PM box fills up quick. If you have a question please with your username.
    Congrats to Pryce on doing some much needed tending in his garden!
    - -


  12. #12
    Featured Member Stripper Hacks's Avatar
    Joined
    Jan 2009
    Location
    USA
    Posts
    1,256
    Thanks
    687
    Thanked 484 Times in 277 Posts
    My Mood
    Happy

    Default Re: Mobile Credit Card Processing Options

    I would try using Square any way. No on has to know what you're using it for.

    Paypal is an option. They take out somewhere around 2%.

    Set up a buy page and book mark it on your phone. You can either text the link to your customer or have him give his info on your phone.




  13. The Following User Says Thank You to Stripper Hacks For This Useful Post:


  14. #13
    God/dess Kylea2's Avatar
    Joined
    Nov 2007
    Location
    Denver & San Fran
    Posts
    6,907
    Thanks
    181
    Thanked 2,002 Times in 1,285 Posts

    Default Re: Mobile Credit Card Processing Options

    Quote Originally Posted by Stripper Hacks View Post
    I would try using Square any way. No on has to know what you're using it for.
    The first time a customer tries complaining they would know.

    Sorry, but pass... I don't need to deal with a lawsuit.
    Don't you ever sleep?
    Not at night...that's when the stars have rather better things to do. They're coming out, shining, that sort of thing.
    - Blog -
    My PM box fills up quick. If you have a question please with your username.
    Congrats to Pryce on doing some much needed tending in his garden!
    - -


  15. #14
    God/dess
    Joined
    Sep 2006
    Posts
    7,964
    Thanks
    6,155
    Thanked 10,183 Times in 4,602 Posts

    Default Re: Mobile Credit Card Processing Options

    Here's a company that specializes in processing payments for adult businesses:

    http://www.adultmerchants.net/

  16. The Following User Says Thank You to eagle2 For This Useful Post:


  17. #15
    Banned Melonie's Avatar
    Joined
    Jul 2002
    Location
    way south of the border
    Posts
    25,932
    Thanks
    612
    Thanked 10,563 Times in 4,646 Posts
    Blog Entries
    3
    My Mood
    Cynical

    Default Re: Mobile Credit Card Processing Options

    ^^^ not meaning to cause controversy, but ...

    (snip)"Unlike the other merchant account providers who may refuse you an escort merchant account, we at AdultMerchants.net are willing to take the risk and provide your business a merchant accounts according to your needs.

    AdultMerchants.net recognizes these added risk factors of not only high volume sales, refunds and potential chargebacks, but also the variety of fraud involved in high risk businesses. We know how to prepare and successfuly meet the demands of managing the payment processing of your business.


    AdultMerchants has 2 requirements for Escort Merchant Account Applications:

    # Proof of Business operated from an Office. Businesses can not be operated from Applicant's Residence.

    # Last 2 years of Personal and Business Tax returns (If Incorporated).

    We apologize for any inconveniences this may cause, but we are required from the Bank to submit these items for application consideration. "(snip)


    In other words, 'mobile' credit card processing for adult businesses involves an even higher risk than adult brick and mortar businesses, adult websites, adult phone services etc. because the latter all involve some sort of 'long term commitment' by the business operator. This may be a mortgage / lease on the adult business property, web hosting agreements for adult websites, telecom agreements for adult phone etc., plus some sort of business registration / license in most cases. As such, even though such businesses are considered to be high risk due to elevated rates of customer charge disputes, chargebacks, fraud claims etc., the credit card processing company at least has some assurance that if problems develop they will still be able to locate / contact / take legal action against the problematic adult business in question.

    In contrast, a free-lance adult entertainer who has no such business investments or commitments, and who is thus technically free to simply move to a different city / state to potentially evade problems, represents an even HIGHER level of risk.

  18. #16
    God/dess Kylea2's Avatar
    Joined
    Nov 2007
    Location
    Denver & San Fran
    Posts
    6,907
    Thanks
    181
    Thanked 2,002 Times in 1,285 Posts

    Default Re: Mobile Credit Card Processing Options

    ^^^ I saw that too. During the summer & early fall I actually was looking for office space in Denver though, so that may not have been so bad. I think Eagle2 may have found the best solution so far though.... but they still don't have a card swipe mechanism & I would need to find an office space still.
    Don't you ever sleep?
    Not at night...that's when the stars have rather better things to do. They're coming out, shining, that sort of thing.
    - Blog -
    My PM box fills up quick. If you have a question please with your username.
    Congrats to Pryce on doing some much needed tending in his garden!
    - -


  19. #17
    God/dess
    Joined
    Sep 2006
    Posts
    7,964
    Thanks
    6,155
    Thanked 10,183 Times in 4,602 Posts

    Default Re: Mobile Credit Card Processing Options

    They have phone service and web merchant accounts. Do you think it would be possible to use one of them, and key in the credit card number on your cell phone instead of swiping it?

  20. #18
    Banned Melonie's Avatar
    Joined
    Jul 2002
    Location
    way south of the border
    Posts
    25,932
    Thanks
    612
    Thanked 10,563 Times in 4,646 Posts
    Blog Entries
    3
    My Mood
    Cynical

    Default Re: Mobile Credit Card Processing Options

    ^^^ the problem with obtaining these adult business credit card merchant accounts is that the applicant must provide info on the web domain / web host / adult phone host etc. through which these adult services are provided, as well as info on the 'business entity' actually providing these services.

    The hardware is already available to 'swipe' credit cards via any internet access cell phone, which is the least of the problem.

  21. #19
    God/dess Kylea2's Avatar
    Joined
    Nov 2007
    Location
    Denver & San Fran
    Posts
    6,907
    Thanks
    181
    Thanked 2,002 Times in 1,285 Posts

    Default Re: Mobile Credit Card Processing Options

    Quote Originally Posted by Melonie View Post
    ^^^ the problem with obtaining these adult business credit card merchant accounts is that the applicant must provide info on the web domain / web host / adult phone host etc. through which these adult services are provided, as well as info on the 'business entity' actually providing these services.
    The only concern I would really have is that if I list a business name, all of that information is actually public record. So let's say Paul buys a dance from me, the company name shows up on his credit card record, he could go down to the business licensing office to look up my legal name.

    When you are dealing business to business, or simply depositing money into a business account, that concern isn't really there.


    Quote Originally Posted by Melonie View Post
    The hardware is already available to 'swipe' credit cards via any internet access cell phone, which is the least of the problem.
    Is there one for any of the adult merchant providers though that is of reasonable size? I like the look of the Square, but I doubt I could take their little device over to ccBill & still be able to have it integrate with their mobile processing software. Who knows though? I am sort of assuming the device works partially like a dongle for expensive software.
    Don't you ever sleep?
    Not at night...that's when the stars have rather better things to do. They're coming out, shining, that sort of thing.
    - Blog -
    My PM box fills up quick. If you have a question please with your username.
    Congrats to Pryce on doing some much needed tending in his garden!
    - -


  22. #20
    Banned Melonie's Avatar
    Joined
    Jul 2002
    Location
    way south of the border
    Posts
    25,932
    Thanks
    612
    Thanked 10,563 Times in 4,646 Posts
    Blog Entries
    3
    My Mood
    Cynical

    Default Re: Mobile Credit Card Processing Options

    The only concern I would really have is that if I list a business name, all of that information is actually public record. So let's say Paul buys a dance from me, the company name shows up on his credit card record, he could go down to the business licensing office to look up my legal name.
    ^^^ well, you can't have your 'cake' and eat it too. Credit card processing is a retail transaction, and as such the 'merchant' has to jump through the appropriate hoops. Obviously this is avoidable when a club, a web host, a phone bank, an escort agency etc. is providing the business 'front'.

    also ... ... is a typical mobile phone compatible card swipe reader.

  23. #21
    God/dess Kylea2's Avatar
    Joined
    Nov 2007
    Location
    Denver & San Fran
    Posts
    6,907
    Thanks
    181
    Thanked 2,002 Times in 1,285 Posts

    Default Re: Mobile Credit Card Processing Options

    Quote Originally Posted by Melonie View Post
    ^^^ well, you can't have your 'cake' and eat it too. Credit card processing is a retail transaction, and as such the 'merchant' has to jump through the appropriate hoops. Obviously this is avoidable when a club, a web host, a phone bank, an escort agency etc. is providing the business 'front'.
    Haha, yes, I know. Trust me, I've already thought about it. At this point though I'm less concerned with someone tracking me down like that, & more concerned with CC acceptance.

    Quote Originally Posted by Melonie View Post
    also ... http://www.originalwirelessaccessori...93B&click=1641 ... is a typical mobile phone compatible card swipe reader.
    I'll check that site when I'm on my computer rather than my phone.
    Don't you ever sleep?
    Not at night...that's when the stars have rather better things to do. They're coming out, shining, that sort of thing.
    - Blog -
    My PM box fills up quick. If you have a question please with your username.
    Congrats to Pryce on doing some much needed tending in his garden!
    - -


  24. #22
    Banned
    Joined
    Nov 2010
    Location
    Lakewood, Colorado
    Posts
    1,145
    Thanks
    120
    Thanked 344 Times in 233 Posts
    My Mood
    Twisted

    Default Re: Mobile Credit Card Processing Options

    Kylea actually Colorado allows you to not have to put your name on a business registration. There is also office space down the street from shotguns around 200 month for a 1 room office. Exec suites are cheap.

  25. #23
    Banned
    Joined
    Nov 2010
    Location
    Lakewood, Colorado
    Posts
    1,145
    Thanks
    120
    Thanked 344 Times in 233 Posts
    My Mood
    Twisted

    Default Re: Mobile Credit Card Processing Options

    The medical marijuana people are also having problems with banking and credit cards.

  26. #24
    God/dess Zofia's Avatar
    Joined
    Apr 2002
    Location
    Durham, North Carolina
    Posts
    2,417
    Thanks
    2,964
    Thanked 2,370 Times in 934 Posts

    Default Re: Mobile Credit Card Processing Options

    Quote Originally Posted by Kylea2 View Post
    So I'm wondering, what other options are out there for us? Can you think of any ways to accept credit directly from your customers, without breaking the Terms Of Service from the processing provider? Are their other types of dongles available to us or applications for phones?
    State Farm Bank and USAA Bank allow you to take checks using an Iphone App. Paypal has a similar app but it's limited to a daily limit of $1000 and a monthly limit of $3000.

    HTH
    Z

  27. #25
    Banned
    Joined
    Nov 2010
    Location
    Lakewood, Colorado
    Posts
    1,145
    Thanks
    120
    Thanked 344 Times in 233 Posts
    My Mood
    Twisted

    Default Re: Mobile Credit Card Processing Options

    paypal doesnt allow adult services and its a good way to lose what youve earned if you get caught. all it takes is one customer asking for a refund and calling them and youre busted.

Page 1 of 2 12 LastLast

Similar Threads

  1. Replies: 6
    Last Post: 11-11-2009, 07:43 AM
  2. Credit Card lines of credit shrinking fast ...
    By Melonie in forum Dollar Den
    Replies: 5
    Last Post: 12-16-2008, 08:32 PM
  3. Processing your own credit cards?
    By AlexxaHex in forum Stripping (was Stripping General)
    Replies: 22
    Last Post: 06-16-2007, 01:23 AM
  4. Good Credit- Credit Card Recommendation Thread
    By Katrine in forum Dollar Den
    Replies: 10
    Last Post: 05-05-2005, 02:59 PM
  5. Adult web site credit card processing
    By Deogol in forum Dollar Den
    Replies: 14
    Last Post: 11-11-2004, 08:52 PM

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •