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In response to
"How do "cam-girl" sites do it? I mean, OnlyFans is just a cam-girl site with window dressing. -- nm"
by
Mop
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I think it's answered later in the thread.
Posted by
Tim (aka othertim)
Aug 19 '21, 20:12
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Second, for people asking "but there are other porn providers that take credit cards, how does that work?" -- Visa/MC divides business categories into 5 different risk tiers. Most all-in-one payment processors you've heard of (PayPal, Venmo, etc) accept tiers 1-3.
For industries in tiers 4-5, they *can* find services, by using a merchant bank and payment gateway: there are several "bulletproof" providers that will take businesses in tiers 4-5. Whatever porn company you're thinking of, they use those services and pay the much higher fees.
The difference between a business in tier 5 (allowed by Visa/MC, with nosebleed high fees) and "a business that's banned from Visa/MC entirely because Visa/MC thinks they're illegal" is often down to tiny nuances that are *way* beyond this thread.
The important takeaway is this is happening because Visa/MC have told OnlyFans that they believe their business is in the "illegal activity, will not provide service to" tier and told them what they need to do to get back into tier 5 ("will provide service to, with high fees").
Whatever other site you're thinking of, they're either already operating under Visa/MC's guidelines for distinguishing "adult content" (tier 5) from "illegal sex work" (banned), or they're surviving by being small enough to stay off the radar.
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