Beyond SegPay and Epoch: How PayConsults Unlocks Smarter Payment Solutions for Adult Merchants

Every other adult merchant is using SegPay & Epoch, and those who have been in this entertainment industry have an assumption that no other payment provider can work with them.

Because it is an adult business.

Did you think the same?

Then let me break the ice here. 

There are multiple acquiring banks in the US, EU, and now Asia as well that have opened the gates to offer payment processing solutions to Adult Entertainment sites.

I completely understand that SegPay and Epoch have played the game really well and carried the industry on their shoulders.

But this has also made them monopolize the market. This turns out to be charging merchants high fees more than necessary, and if the merchant has a high chargeback or fraud history, then charging them 5X rates.

Similarly, there is CCBill, too. It is a PayFac that offers credit card processing to adult entertainment sites.

All these options, SegPay, Epoch, and CCBill, are famous and available for adult merchants, but they only offer Credit card processing.

However, the world is changing in terms of payments. Now, real-time payment rails have taken over the market.

You can consider PayPal for once as an example because it is easy to pay with. But it is also somehow related to cards. The payer has to add funds to the wallet.

It is not the case with most real-time payment rails, for example, if your market is in Asia, having Alternative Payment Methods on your website becomes necessary.

• India - UPI payment solution

• Thailand - GrabPay

• Philippines - Maya, GCash

• Indonesia - QR payments

Now, the Middle East is swiftly moving towards QR payment options. 

Even Europe is seeing a high number of adult merchants falling under the MCC 5967 registering business in locations like Malta and Cyprus to use the European payment rails.

Reason: low cost of payment processing.

Just do the math if you have 500K USD volume coming from the EU and your payment provider is based in the US.

Then the transaction will be considered as international, which means a 1-2% extra processing cost to take EU cards. 

Saving 2% on each transaction is a big thing. E.G., on 500K USD, you can save 10K USD.

Now imagine that for a million volumes. Makes sense, right?

Other things, the EU has more acquirers than the US. If one rejects the business, chances are you can find the other provider on the same day.

PayConsults is here as an end-to-end payment consultancy for adult entertainment sites. We offer merchants an option to outsource the whole payment stack, including risk and fraud management, orchestration, and support as well.

We are working with industry’s top acquirers in the US, EU, and Asia to onboard adult merchants.

Why Choose PayConsults?

• Easy to onboard payment solutions - PayConsults has partnerships with worldwide acquirers and payment facilitators that offer solutions to adult sites.

• Manage Risk and Fraud - We are not an agent. We keep a check on your risk and fraud and strategies the payment to minimise the chances of fraud. You know, 2-5% of fraud is friendly fraud that eats your revenue. The right strategy can fuel your revenue.

• After the Visa Acquirer Monitoring Program (VAMP) implementation, it is advised to revisit your risk and fraud strategies to keep the VAMP ratio under control. Especially if you are operating in the US and EU.

• Chargeback Management - PayConsults helps you in small steps in the checkout process that help you win the chargebacks, especially the fraud disputes.

• Payment Parameter Optimization - PayConsults tracks the various KPIs that add value to your payment processing. We track Auth Rate, Success rate, Fraud rate, Decline rate, Soft decline rate, and more. This helps us in building a strategy to keep your payments running smoothly.

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