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Thread: Non-US cammers, what payment method is the best in your opinion?

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    Default Non-US cammers, what payment method is the best in your opinion?

    I used the Firstchoice Pay mastercard option, and I'm pretty sick of having to go to an ATM to get my money out all the time. Not to mention the fees suck, and the exchange rate sucks. Is there a better option? Paxum? Cheque? What's your method of choice?


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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Paxum has the option to transfer to bank accounts. I haven't used it yet, because it took forever to verify my account.

    There is nothing you can do about the exchange rate it is what it during the Foreign Exchange Market.

    You want to compare Paxum fees with First Choice fees. Also find out what the fees are for getting a wire transfer if its available. If you are outside the USA getting paid in US currency you pretty much want to know where you will pay the lowest fees to exchange your money.

    I thought it would better to go back to Money mart and I lost $7.90 in just check cashing fees. so when I compare check cashing fees to a visit to a ATM. the ATM is actually cheaper. Also I limit my visits to make ATM withdrawals.
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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Boleyn Models has the option for Global Bank Transfer me thinks. Ask in the Boleyn Models thread.
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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Ugh, I use FirstChoicePay and the fees suck. I have to pay $15 each time I withdrawl cash. I used to be able to get cash back but they don't offer that anymore. They changed it so now it reads like a credit card, which totally screwed me when I went to Costco ( I got to the U.S. a lot) and tried to used my card there, good thing I had extra cash, how embarrassing! It won't read like a debit anymore. Totally uncool, but I guess if you have a monopoly you don't have to worry about making your customers happy.

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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    As the company name appears to be all over the forum now there is no need to be discreet anymore. If you go with BoleynModels sign up for Transferwise - they are not adult friendly so don't take independent payments through them but they do accept BM direct deposits (as a payroll company) to a US account through them for free and then you just exchange USD to GBP (or your currency) and transfer to your personal bank account. You do have to give up a % of your earnings to BM for the privilege of dailypay but it's worth it for me to get my money without going through FC or Paxum for most of my sites.

    Exchange Rate - 0.85% (TW Fee) - £0.50 is what it costs per transaction so extremely cheap in comparison to FC and Paxum and it's in your account by the next working day.

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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    I'm Canadian and I use firstchoice thru Boleyn Models. I like getting paid the day after i work but the fees and exchange rates piss me off. I crunched some numbers yesterday and I'm unsure it's worth it to me to keep using it so I might go back to cheques once I feel more confident in earning well steadily. The daily pay makes me feel so secure though. Also when i got paid Sunday my immediate load fee was $6.15 instead of the usual 3 bucks, what the fuck?? Did anyone else notice that?

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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    I get payed directly in my bank account which is the cheaper option if the site offers SEPA (transfers withing Europe) and then I also get payments both on First Choice Pay and Paxum. Paxum is cheaper than FCP but not so reliable if you read other s experiences with them so I only use it for one site.
    ETA: They approved me in a few weeks but printing my Paxum card is taking them 10 weeks instead of the usual 10working days so I m stuck on paying EFT transfers weekly until they fix their stuff with their bank. By the time they would actually send me the card, I would have payed their card fee way triple.
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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Quote Originally Posted by Teddy_Bear View Post
    As the company name appears to be all over the forum now there is no need to be discreet anymore. If you go with BoleynModels sign up for Transferwise - they are not adult friendly so don't take independent payments through them but they do accept BM direct deposits (as a payroll company) to a US account through them for free and then you just exchange USD to GBP (or your currency) and transfer to your personal bank account. You do have to give up a % of your earnings to BM for the privilege of dailypay but it's worth it for me to get my money without going through FC or Paxum for most of my sites.

    Exchange Rate - 0.85% (TW Fee) - £0.50 is what it costs per transaction so extremely cheap in comparison to FC and Paxum and it's in your account by the next working day.

    Shameless Plug: if you, or anyone else does sign up for BM sign up through ME please (link in my siggy) lol.
    There is no way that giving up 5% of my earnings would be worth it! I use First Choice and Im cannot see how its cheaper. Plus what it would cost in bank transfer fees and then the exchange rate!

    Im losing a ton as well, especially now with the USD being so crappy against the Euro. Ideally what I want to do is just put everything for the month on my credit card and have my $ transfered all in one go every month but this isnt an option for First Choice. Im with SM. Will they mail checks to Europe? I have to look into this. That would be the most ideal way because then you just lose for the exchange and the check deposit. PLUS your building your credit score up a lot and you can decide if when to transfer the money thus getting the best exchange.

    If you live in Canada you can get an American account at most banks. Then you can deposit your American checks without the exchange and hold it until you want to transfer it into you Canadian account. Again, you can decide and aim for the best exchange rate!

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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Quote Originally Posted by DeepThoughts View Post
    If you live in Canada you can get an American account at most banks. Then you can deposit your American checks without the exchange and hold it until you want to transfer it into you Canadian account. Again, you can decide and aim for the best exchange rate!

    That's what I thought years ago to get a US account here, and my bank still puts US checks on hold for 15 business days. So then I went to Money Mart instead. it becomes where do you want to spend your money.

    First Choice Card and Paxum has their perks and cost. just like any bank or check cashing service. Much easier for to work directly with the site then some third part offering daily pay. Sometimes I am just working sites just to make sure I can cover the potentials fees on getting my money.
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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Best payment method for EU and UK is Club daily pay in my opinion. They pay to every UK and EU bank.
    They always pay the next day before 8am and always reply within the hour.

    I am glad I no longer have to use Payoneer.
    Honestly, $5 to load my card, $3.5 to use the ATM and then a 2.5% to 3.5% "currency conversion fee" because I want to withdraw MY money from an ATM.
    Utter bullshit. Not even mentioning the monthly account fee, the fee for checking your account balance at the ATM or the copy post replies from their support team.
    Meanwhile in my room:

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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Quote Originally Posted by minniesoporno View Post
    That's what I thought years ago to get a US account here, and my bank still puts US checks on hold for 15 business days. So then I went to Money Mart instead. it becomes where do you want to spend your money.

    First Choice Card and Paxum has their perks and cost. just like any bank or check cashing service. Much easier for to work directly with the site then some third part offering daily pay. Sometimes I am just working sites just to make sure I can cover the potentials fees on getting my money.
    Im with CIBC and they cash my USD cheques straight away. Or at least they used to, I dont really use the service anymore because I live in Europe and you have to go into the branch to use it. However I also have quite a bit of cash in my account and always have so maybe this is why there was no hold. I dont live pay cheque to pay cheque.

    I think for a lot of you wondering this its important to try to save money and have a cushion in your account. Try to get to the point where if you stopped camming for a month or two you could still pay all your bills. Then get a credit card and put everything you possibly can on that credit card and pay it off in one lump sum at the end of every month. Its a way better deal. I just got one for the country I live in so Im trying to now switch my payments over to Cheque that way I will only pay to cash the cheque and lose money on the exchange rather then pay to transfer and withdraw from ATMs which is such a huge scam! Every time I withdrew cash I payed first choice for the withdraw and I had pay the bank where I withdrew as well.

    Plus I got a CC with airmiles cause I travel a lot but you can get one where the benefits suit you better.

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    God/dess minniesoporno's Avatar
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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Quote Originally Posted by DeepThoughts View Post
    Im with CIBC and they cash my USD cheques straight away. Or at least they used to, I dont really use the service anymore because I live in Europe and you have to go into the branch to use it. However I also have quite a bit of cash in my account and always have so maybe this is why there was no hold. I dont live pay cheque to pay cheque.

    I think for a lot of you wondering this its important to try to save money and have a cushion in your account. Try to get to the point where if you stopped camming for a month or two you could still pay all your bills. Then get a credit card and put everything you possibly can on that credit card and pay it off in one lump sum at the end of every month. Its a way better deal. I just got one for the country I live in so Im trying to now switch my payments over to Cheque that way I will only pay to cash the cheque and lose money on the exchange rather then pay to transfer and withdraw from ATMs which is such a huge scam! Every time I withdrew cash I payed first choice for the withdraw and I had pay the bank where I withdrew as well.

    Plus I got a CC with airmiles cause I travel a lot but you can get one where the benefits suit you better.
    For me it didn't matter how much I had in my account my bank would keep the US checks on hold no matter what. even if I was going to a regular branch thinking it would help of the same people seeing me they would still hold the check.

    15 years of cashing checks in US currency and it's always the same dance.
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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    As of today I am happy with Firstchoicepay card in comparison to cashing checks at check cashing places that take $3.99 plus 3% then their own currency exchange rate.

    Money Mart I had check come in for $32.34 after the exchange rate on that particular day it became $40.20 money mart took $7.60 ! to cash my check. I walked out with $32.60
    second visit $43.80 it became $54.63 money mart made $8.90 and I walked with $45.73 rounded with 0.02 because we don't have pennies anymore.

    So two trips to money mart I lost $16.50

    What I should have done with those two checks is deposit them in my bank that is an online bank (tangerine) or even my primary bank TD. deposit in the ATM. have the balance show up as the value printed on the check and let the bank do the exchange rate after the 5 day hold. and have TD send me a letter they made a mistake in my account and how they had to fix it. Tangerine doesn't do that they will just convert the money as the system updates and my money will grow interest while it waits to be cleared.

    Cashing Checks from different currencies is just a balancing act of where can you get most of your money for a little hassle on travel, and losing out on fees. It becomes a business transaction when you have a check in a different currency then your resident country. of giving whoever the best value for your money you want back. So think of it as a shopping trip.

    Money landed from SM on my first choice pay card today total amount was $261.23 , then $5 for the load fee, so I am left with $256.23 took a walk to my local bank ATM had to remember to select credit card to get my money, I don't use my card often so sometimes I forget my PIN or which option to select at the ATM.

    I wanted $300 canadian ($246.52 according to the card) based on the https://www.mastercard.us/en-us/cons...-currency.html it would be that amount coming from my card. I use that website as a guide to figure out how much I need to earn and how much I will get. It's a good estimate tool for me because I sometimes panic I won't have enough when my bills are due.

    I am getting better at planning my money and handling currency exchange rates.

    My primary canadian bank takes $3 and FC-pay takes $2.75 balance left on my card is $9.71.

    I do not use my card for daily purchases. I take out my money in a lump sum once or twice a month. even when I travel I only use my ATM once I mostly travel to the USA so I just have to make sure my ATM trips are limited to one visit, I also only choose one type of bank company so it's easier to keep track of where my money is coming from and a little safer if I need to call a bank for support.

    but when it comes to comfort, convenience of getting my money, and working with websites where it take a week or longer to have my check arrive in the mail. this is a nice option.
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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    ^^ This is fantastic! They take so so so much from me and my husband has this horrible fucking habit of only taking out small amounts of cash at a time because he wants to see the $$ in the bank rather then have cash. I explain to him that this means we are paying way more in Bank fees but he still does it (which is why I have now switched us over to CC instead).

    Also for TD, I have an account with them as well and they cash my cheques immediately. Even if I deposit them through ATM, which I dont anymore but if I went to Canada I could deposit the cheque at midnight via the ATM and the money is immediately available for withdrawal. Even if there is a 0 balance before I deposit it. Have you asked them about removing the 5 day hold? I have no idea why they allow me to do this although I have been with them since I was 12 and they started to offer me this when I had a business loan with them but it wasnt on my business account so I remember exactly how I got it set up but you should go talk to a manager and see how you can have that lifted cause it is possible.

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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Following.
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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    .03% might not seem like a lot, but that's $75 dollars worth in just ATM fees to take out my rent.
    That's after having sm take their cut, then FCP takes their cut....
    Every time my money moves a chunk gets taken. I feel like I'm dealing with the IRS in the U.S. lol

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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Yeah, first choice is a very bad deal.
    Loading fee, monthly fee, atm fee, curremcy conversion fee, fee if you were slightly off on your curremcy conversion and asked for the wrong amount at the atm, $1 fee for checking your balance at the atm.
    Amd if your lucky the ATM itself also takes a cut.
    They're the Ryanair and Easyjet of payment processors. Slap a fee ontop of everything.

    Can not recommend clubdailypay enough. No more dealing with first choice and pretty sure the also offer weekly and on demand pay.
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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Quote Originally Posted by GeezLouise View Post
    Yeah, first choice is a very bad deal.
    Loading fee, monthly fee, atm fee, curremcy conversion fee, fee if you were slightly off on your curremcy conversion and asked for the wrong amount at the atm, $1 fee for checking your balance at the atm.
    Amd if your lucky the ATM itself also takes a cut.
    They're the Ryanair and Easyjet of payment processors. Slap a fee ontop of everything.

    Can not recommend clubdailypay enough. No more dealing with first choice and pretty sure the also offer weekly and on demand pay.
    Anything when it comes to fast and convenience will have a fee.
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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    FirstChoice / Payoneer is not a convenience for me (or most UK /EU girls) at all.
    It's an absolute pain having to use their payment method on non EU websites. The fees they charge are ridiculous and when I asked if I could switch my account to banktransfers rather than ATM withdrawels they replied (20 days later!!) "no, because you have been a customer for x years and your account has always been like this".
    Did I already mention that their customer service is very poor?

    For non-USA camgirls there is no way to receive our earnings from websites like Streamate without paying fees. So if I have to pay fees I'd rather pay them to club dailypay and get my money much quicker than paying all the first choicepay fees.

    Sorry, it's becoming a bit of a rant but I'm just so tired of first choice, it's always something with them.
    Meanwhile in my room:

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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    I've always been happy using Paxum EFT service. It cost roughly about 4 Euro & I've usually got my funds within a week. They also charge $1 now to receive your invoice.

    The only thing I don't like is that they no longer offer EFT in GBP anymore so, my USD end up getting exchanged twice before end up in my bank but it's still better than paying 5 or 6% . That seems a lot to me, especially if you work on a site that only pays 35% .

    I'm hoping Paxum will be able to offer EFT again in GBP soon. As far as I'm aware Paxum can still wire money in GBP but its $50 but would work out cheaper than Daily Pay fee's if you were transferring around a 1000

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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Quote Originally Posted by heyho View Post
    I used the Firstchoice Pay mastercard option, and I'm pretty sick of having to go to an ATM to get my money out all the time. Not to mention the fees suck, and the exchange rate sucks. Is there a better option? Paxum? Cheque? What's your method of choice?
    Why not use Firstchoice global bank transfer instead of loading the card? They only charge $1.50 per deposit and it goes directly to your bank with no other fee. Most of the major sites offer that instead of using the card. I use it for Streamate and the money is in my bank account every Tuesday with nothing deducted except $1.50. I think global bank transfer is offered by Firstchoice most places outside the US too.


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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Quote Originally Posted by GeezLouise View Post
    Best payment method for EU and UK is Club daily pay in my opinion. They pay to every UK and EU bank.
    They always pay the next day before 8am and always reply within the hour.

    I am glad I no longer have to use Payoneer.
    Honestly, $5 to load my card, $3.5 to use the ATM and then a 2.5% to 3.5% "currency conversion fee" because I want to withdraw MY money from an ATM.
    Utter bullshit. Not even mentioning the monthly account fee, the fee for checking your account balance at the ATM or the copy post replies from their support team.
    But instead of 3% aren't you giving clubdailypay 6%? Boleyn models charges less and I think they have an option to get it directly to your bank outside the US.

    Clubdailypay somehow got my email address and they have been emailing me but from what they say on their website they charge more percent from earnings on every site I checked. Boleyn has more sites covered too. All the little clip and cam sites I occasionally work are now lumped into one payment and I don't have to wait for them to make minimum payout.


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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Its a lot more than 3%.
    I pay the loading fee, 3.5% currency conversion fee and $3.5 atm fee.
    Before I withdraw I check the currency conversion online and then the ATM often says i dont have enough funds. Boom an other first choice fee for a failed attempt. Could check my balance on the ATM for an other fee..
    It is just a massive pain.

    From what I know boleyn doesnt pay into uk banks and they also dont do AW payments.
    I get my payments from club daily pay grouped and only pay 4% on SM because of that.
    Meanwhile in my room:

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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Quote Originally Posted by GeezLouise View Post
    Its a lot more than 3%.
    I pay the loading fee, 3.5% currency conversion fee and $3.5 atm fee.
    Before I withdraw I check the currency conversion online and then the ATM often says i dont have enough funds. Boom an other first choice fee for a failed attempt. Could check my balance on the ATM for an other fee..
    It is just a massive pain.

    From what I know boleyn doesnt pay into uk banks and they also dont do AW payments.
    I get my payments from club daily pay grouped and only pay 4% on SM because of that.
    It is correct we no longer work with AW. However, we do have multiple methods to deposit directly to UK bank accounts and at negligible fees.

    "Daily pay ALL the things!"
    [email protected] - Skype: BoleynModels - "If you haven't heard a rumor by 10am, start one."

  33. #25
    Veteran Member GeezLouise's Avatar
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    Default Re: Non-US cammers, what payment method is the best in your opinion?

    Thanks for your reply Katy!

    But I really want my Adultwork earnings included into my daily payments and at the moment I pay no banking/wire fees to receive my earnings and get free daily pay on a few websites I work on.

    But I'm sure your reply will be helpful for other girls!
    Meanwhile in my room:

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