SP's accepting credit cards?

[Angeltbay 612]

ok, so ive had a few gentlemen in the past ask if i accept credit cards, my usual thought is "i cant swipe that up my ass" lol :) but for smartphones, ive seen creditcard aps that will scan a credit card and depoit the cash into your bank account (i think thats how it works) so its pretty much the same thing as cash. has anybody acctually used that in this business? i wouldnt think it would be a good idea because of the personal information (for the clientsor SP) you can come accross while using it. Most gentlemen dont use their real names, and if you are in a relationship, couldnt your spouse easily find out what your doing by thoes transaction?

[Megan'sTouch 23875]

What if they back charge the credit card? What will you say when the credit card company wants proof of product or service delivered?

Posted via Mobile Device

[roamingguy 300292]

If a guy has a credit card he can use, he can stop at a bank machine, get a credit card cash advance, and pay the lady in cash

RG

[Guest M***re***e]

This has happened to me in the past, while on a trip to Buffalo.

 

A client prepaid his entire 3-hour appt using PayPal funded by a credit card. He then challenged the charge. Paypal backcharged during the investigation during which time I provided them with full email trails, text message details and a physical description of the guy, along with info on where he said he worked.

 

Not sure if it was a stolen card (likely) or just a jerk that decided to screw me (and not in the fun way). Either way I was out the $500 and my PayPal account was frozen.

 

I don't see any way to protect yourself from backcharging if you accept credit cards.

[fortunateone 156618]

What if they back charge the credit card? What will you say when the credit card company wants proof of product or service delivered?

Posted via Mobile Device

 

 

This would be the number one drawback, and I would always imagine this would be one of a couple of reasons why they want to use a CC. If they need to use a CC to pay for this activity, I am thinking they shouldn't be doing it. I would simply advise them that if they need money from their CC to pay the donation, they should take a cash advance. There are dozens of good reasons this is a cash only biz lol.

 

Another thing to consider is CC fraud. It is extremely common. In my other work, I process orders etc on an online shopping site as well as a wholesale site. The fraudsters (usually in Africa or the UK or similar) place orders using the CC. They beleive the processi s automatic, and that the CC will be charged and the item shipped out. for security reasons, and because we mostly do wholesale where it isn't guaranteed all items ordered are ready to ship, all processing is done off the site. So, it is possible to verify ownership of the CC. The one providing the #, has to be able to provide address, the 3 digit # on the back as well. The fraudster wants the item shipped to them, so the address doesn't match. They don't have the # on the back of the card, so that doesn't match. The truly dumb ones provide their own phone #s.

 

MC and Visa have phone #s where you can verify and check the info given with the info on file. If it matches, you could process the payment. But I would say that still gives the legit carholder an out to chargeback, and chargebacks if you accept CCs are really prohibitive from CC companies. Plus there are fees to maintain the service, possibly around 50/month, and transaction fees (usally a percentage of the total). Plus, it is not available to everyone, you would need to be a registered business with a business account etc.

 

There may be some online 3rd party processing companies that would provide protection for both parties, but yoiu know who wants to get into a he said she said with adult services, if he decides to try to get his money back then where are you.

[Gentleman11 10508]

Agree with RG, Cash, the largest denominations possible to minimize the embarassing counting time (wrapped in a thank you card by the way) is the only way to go - credit cards, give me a break, what if the SP needs an authorization code, which is a normal course of credit card protocol.

 

Personal view only - if you want to do the credit card thing, cash advance it first before greeting your SP....

 

Musings from a sensitive financial guy...

[Angeltbay 612]

yeah, i agrree with everyone, i dont think its a good idea, but i have talked to another lady about this, and she said thats she actually knows people who do this! im assuming agencys, does anyone here actually know anyone who has done this?

[Guest W***ledi*Time]

The client could use his credit card to access funds to send you an Interac Email Money Transfer, or to transfer money to your PayPal account.

[mrgreen760 37785]

Offering air miles would be cool !!

 

Peace

MG

[Angeltbay 612]

lol, yeah, "frequent flyer miles" lmao!!

 

 

Offering air miles would be cool !!

 

Peace

MG

[jughead 45]

One concern for not using a CC to pay the lady is LE. The CC provide a nice client list for the LE if any lady has the misfortune of getting busted. Now I am not saying that we all should panic about being busted by the LE, but we just need to be aware of the potential is all.

[Megan'sTouch 23875]

Jughead - If the cops did have a client list, what could they possibly do with it? I can't think of anything they could charge you with under our current laws.

Posted via Mobile Device

[Cleo Catra 178382]

The client could use his credit card to access funds to send you an Interac Email Money Transfer, or to transfer money to your PayPal account.

 

I believe Interac email transfers can be done anonymously, however with paypal the full name of each party is revealed, which may not be ideal for either person involved.

 

I say, stick with cash everyone! Easiest and most discreet - and really, if you don't have the cash, purrhaps you should be looking for another way to spend your time!

[Guest T**E******s]

When I email money, I need to know the persons full name, and create a preset question and answer. (I email money to myself from different banks often)

I've also transfered funds to family and friends, again I've always needed the real name. I bank with TD and a Credit Union. Not sure about other banks

[Megan'sTouch 23875]

When I email money, I need to know the persons full name, and create a preset question and answer. (I email money to myself from different banks often)

I've also transfered funds to family and friends, again I've always needed the real name. I bank with TD and a Credit Union. Not sure about other banks

I also bank with TD. With the 5 major banks, you don't need to know the recipients full name. You can type anything. My clients on retainer pay via interac money transfer and I always just ask them to make it out to Megan's Touch. Although, the sender's real name shows!

[Apex2006 1071]

If a guy has a credit card he can use, he can stop at a bank machine, get a credit card cash advance, and pay the lady in cash

RG

 

Agreed! Why give your credit card number to anyone?

 

This sounds really stupid to me!

 

ATM's will give you cash from your credit card. Many people do this at casinos too.

[jughead 45]

Jughead - If the cops did have a client list' date=' what could they possibly do with it? I can't think of anything they could charge you with under our current laws.

Posted via Mobile Device

 

 

If the cops have a client list they are well with in there rights to ask questions to the clients as part of an ongoing investigation. They never have to lay charges for damage to be done. Think about it if the cop show up at work, home, at a family function and start asking question.

If they are investigating for example me and I use my credit card with a SP/MP how would the ladies like the cops showing anywhere and start asking question. I am just saying the if one uses or accepts credit card the discression cannot be 100% assured.

[Megan'sTouch 23875]

If the cops have a client list they are well with in there rights to ask questions to the clients as part of an ongoing investigation. They never have to lay charges for damage to be done. Think about it if the cop show up at work, home, at a family function and start asking question.

If they are investigating for example me and I use my credit card with a SP/MP how would the ladies like the cops showing anywhere and start asking question. I am just saying the if one uses or accepts credit card the discression cannot be 100% assured.

I agree with this, but I have never heard of an investigation being conducted like this before. But it's possible, so best to be safe and I agree with you.

[Guest o*****24]

The thought of using a credit card is just odd. I mean, cash is so simple, and easy. The other thing is, in this day, there are ATMs on almost every corner. So cash is accessable through either debit and credit.

 

Also for the gent who are married, what about the statment that comes in the mail?? There's a paper trail that comes with each transaction. And with paper trail comes the potential for an audit. LOL, I can see it now, being audited and having to explain that!

[Guest s******ecan****]

If the cops have a client list they are well with in there rights to ask questions to the clients as part of an ongoing investigation. I am just saying the if one uses or accepts credit card the discression cannot be 100% assured.

 

 

True and a good reason not to use the CC, on a related note if the cops ever ask you questions tell them to pound sand. You don't have to answer any questions or let them into your home etc.

[SamanthaEvans 166766]

I have accepted credit cards in the past from clients coming from Europe who were paying deposits for extended meetings, sometimes weeks or months away. I have four or five of these bookings a year, on average. I've handled these through PayPal, which charges a 3% handling fee. I haven't had any trouble with these, but PayPal has restrictions against processing payments for erotic companionship and will close an account if they find that's what it's being used for.

 

Electronic bank transfers work nicely in Canada. For clients outside the country, transfers are still possible but, in those cases, they need to have the complete and real name, address, bank address and account information of the person into whose account the money is being sent. I'm not willing to disclose so much personal information to someone I don't know.

 

My friends, I have to say that I'm becoming irritated by the endless, fear-laden discussion about men's privacy. I think it's not only over-exaggerated, it's also a way to accuse paid companions of having a propensity to defraud clients and to violate their confidentiality. Such cases are exceedingly rare and, I would venture to say, will not occur if one is dealing with an established, well-respected paid companion or escort agency. In fact, I can't think of any recent cases involving this kind of thing. While men may have things to worry about, they will generally be because they have not taken proper precautions to avoid discovery by their wives or partners, not because of something that their paid companion has deliberately done to expose or defraud them. Companions, on the other hand, are always at risk of injury, theft, public exposure, exposure to law enforcement, or worse, even when we think we know our clients very well. The unfortunate, but simple reality is this: we have many obvious and legitimate things to fear from our clientele, while our clients have little to fear from us.

[Guest T**E******s]

I also bank with TD. With the 5 major banks' date=' you don't need to know the recipients full name. You can type anything. My clients on retainer pay via interac money transfer and I always just ask them to make it out to Megan's Touch. Although, the sender's real name shows![/quote']

 

I had no clue, all this time! It was always asking for the name, I'm behind the times with this kind of thing. I thought it wouldn't be able to figure out which account was mine with out my name lol... I was worried it might end up in some one else's account. Glad to know better.

[Guest s******ecan****]

My friends, I have to say that I'm becoming irritated by the endless, fear-laden discussion about men's privacy. I think it's not only over-exaggerated, it's also a way to accuse paid companions of having a propensity to defraud clients and to violate their confidentiality. Such cases are exceedingly rare and, I would venture to say, will not occur if one is dealing with an established, well-respected paid companion or escort agency. In fact, I can't think of any recent cases involving this kind of thing. While men may have things to worry about, they will generally be because they have not taken proper precautions to avoid discovery by their wives or partners, not because of something that their paid companion has deliberately done to expose or defraud them. Companions, on the other hand, are always at risk of injury, theft, public exposure, exposure to law enforcement, or worse, even when we think we know our clients very well. The unfortunate, but simple reality is this: we have many obvious and legitimate things to fear from our clientele, while our clients have little to fear from us.

 

 

Well perhaps some of what you say has validity, nevertheless its condescending to just dismiss men's fears and worries. You say you "can't think of any recent cases of this kind of thing" but thats just anecdotal. There is no reporting agency for these kinds of things, and guys that are outed, become embroiled in an investigation, or become the victims of fraud (gee there was a high profile one discussed here at length not long ago) or subject to blackmail aren't likely to go public about it or come to the board and tell the world.

 

Perhaps the fears are overblown but they are real and you should be sensitive to your clients concerns rather than being dismissive of them. As well as other things CERB offers men a place to come and seek advice and share their fears/concerns about the hobby and learn. We should never become irritaded about that. Rather we should engage and address the concerns head on.

 

I think we can all agree that providers face more serious and more common risks, but it doesen't have to be an either or situation, we can be cognizant of the fears and worries of both provider and client.

[Carrie Moon 68826]

I had no clue, all this time! It was always asking for the name, I'm behind the times with this kind of thing. I thought it wouldn't be able to figure out which account was mine with out my name lol... I was worried it might end up in some one else's account. Glad to know better.

 

Yup! I do it too.. you can go into your online acct and have any name added you wish.. it's still attached to your acct. That way both the sender and the receiver can remain anonymous.

 

My only wish is that they would allow international payments that way. Right now it's only Canadian acct to Canadian acct.

 

Additional Comments:

There is no reporting agency for these kinds of things, and guys that are outed, become embroiled in an investigation, or become the victims of fraud (gee there was a high profile one discussed here at length not long ago) or subject to blackmail aren't likely to go public about it or come to the board and tell the world.

 

Are you referring to Bruce Carson and Doug Macklem? In both cases they were ''engaged'' to the ladies in question... way above and beyond the normal escort encounter.

 

But you are right.. there isn't likely to be a report of blackmail if charges aren't laid somewhere along the line.

[MightyPen 67414]

I think we can all agree that providers face more serious and more common risks, but it doesen't have to be an either or situation, we can be cognizant of the fears and worries of both provider and client.

I completely agree. Both parties are taking some risk, particularly in the case of clients with unwitting partners. I don't see anyone generalizing about SPs or declaring that risks are common; just that the risks exist to some degree, and are a legitimate factor in client's decisions.

 

I'm sure the likelihood of betrayal by an SP is exceedingly tiny, and pretty much nil for anyone here. But the damage inflicted by such a betrayal would be astronomical for some clients. Risk = [likelihood]x[associated cost]. I think the second part of that equation is the bit that concerned clients are focused on, and it's considerable for them. Let's respect that. Doing so doesn't belittle the very real risks incurred by SPs all the time.