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So charge them a slightly higher fee to account for that. Your reasoning that that in itself would be sufficient to refuse service does not hold up.

corobo 9y ago
The processors that allow "high risk" payments do charge a higher fee. I wouldn't call it "slightly higher" though, it was prohibitively expensive for the service I was trying to set up. In a sister thread on this subject on Reddit someone suggested using Bitcoin as an alternative, which I somewhat regret not considering at the time. To clarify also it's not my reasoning. Adult content is referenced in the Terms of Service for all payment processors, whether they allow it or not. See Stripe for an example[1] [1] https://stripe.com/gb/prohibited-businesses#ip-infringement-regulated-or-illegal-products-and-services https://stripe.com/gb/prohibited-businesses#ip-infringement-...
- Certhas 9y ago
  I understand, I simply don't believe that this is a rational decision due to risk assessment. I believe that that is just an excuse. Or rather, that a high amount of the risk involved is not due to customer behaviour, but due to potential pressure from self appointed guardians of morality. As part of this discussion elsewhere people were linking again to an old engadget article about these practices, which in turn linked to this court opinion, which is well worth reading: http://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Submit=Display&Path=Y2015/D11-30/C:15-3047:J:Posner:aut:T:fnOp:N:1663542:S:0 http://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Submit=Disp... Here is the engadget article: https://www.engadget.com/2015/12/02/paypal-square-and-big-bankings-war-on-the-sex-industry/ https://www.engadget.com/2015/12/02/paypal-square-and-big-ba... I think strong regulations, something like: Visa/Stripe/PayPal/Amazon have to service every business that is not illegal, would also help these companies against such "moral guardianship". They don't have to look like they are defending the rights of perverts to their other customers.
astura 9y ago
Patreon has to follow the terms of their payment processors. If they want to be involved in porn they'd have to add a separate high risk payment processor for those content creators. I heard porn sites have a CC processing fees of 20+%.
- psergeant 9y ago
  My mental history of Patreon may be wrong but I thought they came of trying to out-permiss Gittip. Setting up a CCBill account for adult content doesn’t seem like it’d be that big an ask, for an organisation so outwardly committed to supporting their customers.

corobo 9y ago

The processors that allow "high risk" payments do charge a higher fee. I wouldn't call it "slightly higher" though, it was prohibitively expensive for the service I was trying to set up. In a sister thread on this subject on Reddit someone suggested using Bitcoin as an alternative, which I somewhat regret not considering at the time. To clarify also it's not my reasoning. Adult content is referenced in the Terms of Service for all payment processors, whether they allow it or not. See Stripe for an example[1] [1] https://stripe.com/gb/prohibited-businesses#ip-infringement-regulated-or-illegal-products-and-services https://stripe.com/gb/prohibited-businesses#ip-infringement-...

Certhas 9y ago
I understand, I simply don't believe that this is a rational decision due to risk assessment. I believe that that is just an excuse. Or rather, that a high amount of the risk involved is not due to customer behaviour, but due to potential pressure from self appointed guardians of morality. As part of this discussion elsewhere people were linking again to an old engadget article about these practices, which in turn linked to this court opinion, which is well worth reading: http://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Submit=Display&Path=Y2015/D11-30/C:15-3047:J:Posner:aut:T:fnOp:N:1663542:S:0 http://media.ca7.uscourts.gov/cgi-bin/rssExec.pl?Submit=Disp... Here is the engadget article: https://www.engadget.com/2015/12/02/paypal-square-and-big-bankings-war-on-the-sex-industry/ https://www.engadget.com/2015/12/02/paypal-square-and-big-ba... I think strong regulations, something like: Visa/Stripe/PayPal/Amazon have to service every business that is not illegal, would also help these companies against such "moral guardianship". They don't have to look like they are defending the rights of perverts to their other customers.

astura 9y ago

Patreon has to follow the terms of their payment processors. If they want to be involved in porn they'd have to add a separate high risk payment processor for those content creators. I heard porn sites have a CC processing fees of 20+%.

psergeant 9y ago
My mental history of Patreon may be wrong but I thought they came of trying to out-permiss Gittip. Setting up a CCBill account for adult content doesn’t seem like it’d be that big an ask, for an organisation so outwardly committed to supporting their customers.