Payment Processing for Skype Cam Girls: Update

 

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New Fees for Skype Cam Girls

Not all change is for the better, and the latest development in the arena of payment processing for skype cam girls sucks. Those of you who have independent skype cam girl merchant accounts already know this, but for those skype cam girls out there who are weighing the pros and cons of different payment processing options before making the leap, know that Mastercard has now decided to charge an annual $500 fee per merchant account for the ability to offer this particular credit card option. Combined with the annual $500 Visa fee, upfront charge of $750 and per-sale payment processing costs that typically range from 10-15%, we’re talking a significant chunk of change per year, solely for the privilege of offering Visa and Mastercard payment options to our cam sex customers.

 

Options for Skype Cam Girls That Do Not Involve Annual Fees

Luckily there are ways around these new skype cam girl merchant account fees. Zombaio is one payment processing option that involves no upfront or annual fees for credit card processing and has low processing rates by adult industry standards. It’s a service I recommend highly. The drawbacks, as I’ve explored before here, are that the installation of Zombaio can be quite tricky if their automatic installation system won’t work on your site, and payouts must process for a full month before being sent out. It’s not an ideal solution for those skype cam girls who rely on quick payouts.

One positive thing I’ve noticed about Zombaio is that over the past couple of years it’s become far more well-known amongst customers and potential customers. This is important because many guys are a bit wary of using a total unknown (to them) payment method, and it wasn’t too long ago that many guys only felt safe using a well-known system like CCBill. I’ve definitely noticed that over the past couple of years more and more new customers feel comfortable using Zombaio, perhaps because many mainstream cam sites use non-CCBill options so they are growing accustomed to trying other systems, but either way this is good news for independent camgirls who want to process their own payments without paying a ton of money to Visa and Mastercard for the privilege of doing so. Zombaio is my first choice processor and I’ve been happily using it to book high volumes of business for almost a year now.

You can also join an independent skype cam girl listing site and use that site’s payment processor, but the drawback here is that sites that do not offer processing through CCBill are set up in such a way that you have no control over the money you earn until the site owner sends it to you. The main risk involved in using private processing offered by sites that list skype cam girls is that you rely upon the goodwill and professionalism of the site owner to send you the payments you’ve earned. Luckily the vast majority of skype cam girl listing site owners are honest and professional, but still I’d be wary of building too much of your business around something you don’t fully control.

While the processing rates for skype cam girl listing sites that offer CCBill tend to be high (at 25%, leaving you with 75%), the main benefit is that payments are sent directly through CCBill, these sites do not act as a middle-man between you and your money.

 

How Should Skype Cam Girls Proceed Regarding These New Credit Card Fees?

There is no ‘one size fits all’ answer, of course, but if you’re a brand new to being a skype cam girl I would not recommend that you set up your own merchant account and pay the fees for credit card processing right away, as many skype cam girls start off making fairly little as they build their customer bases and businesses. What I would suggest is using a range of options to minimize risk, using a combination of Zombaio and skype cam girl listing site processing to ensure that, should something go wrong, your entire business model does not come crashing down or your funds lost.

In all things, we skype cam girls must think strategically. Being an entrepreneur means using creativity and logic in equal doses when creating and executing a business plan, and finding secure, reliable and sustainable payment processing options is a huge part of that. You can’t build a successful and sustainable business on amazon giftcards, moneypak and payoneer private load paments alone so finding good credit card processing options are a must.

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Payment Processing For Independent Cam Girls

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How Independent Cam Girls Get Paid: Payment Processing Options

In an earlier post regarding the risks of using paypal I mentioned a couple of the adult-friendly payment processing options most widely used by independent cam girls. For those cam girls who are newly independent and wishing to know a bit more about the features of various payment processing options, I’ll outline them here.

 

Zombaio Processing For Skype Camgirls

Zombaio offers a 10.99% processing fee (which lowers as sales volume grows) but the processor also had a fairly long processing time for payments. In general, expect to wait a month for a payment to finish processing and be sent out. Also, the minimum withdrawal level is $100, so while this isn’t an issue for more experienced independent cam girls, many new skype cam girls just starting out may find that it takes time to reach the $100 minimum withdrawal threshold. However, there are no out-of-pocket fees associated with Zombaio other than the payment processing costs that are deducted from each sale. In order to offer Zombaio you must have your own website upon which to install the script.

 

CCBill Processing For Independent Cam Girls

CCBill charges $750 upfront to be able to offer Visa processing, and $500 per year for account maintenance thereafter, in addition to the payment processing costs of 15% per sale. However, payments are sent out bi-weekly on a two week delay, and the payout threshold for CCBill is significantly lower than Zombaio at $20, making it an attractive option for skype cam girls just starting out who may not earn much, but wish to receive what they do earn more quickly. There is also a slightly smaller decline rate with CCBill than with Zombaio. Like Zombaio, in order to offer CCBill you must have your own website. You can’t install the script on a tumblr or free blogger site, for example.

 

Payoneer Payments for Skype and Yahoo Cam Sex

Payoneer is an option that tends to be most heavily used by independent cam girls just starting out. The main reason why is that you only need a payoneer debit card in order to accept ‘private load’ payments from customers, you don’t need to own your own website. With Payoneer you simply send your customer a link to your private load page, and he pays for his skype cam show or  digital content on that payment page. The main drawbacks to using Payoneer is that the service isn’t intended to be used primarily for private loads, meaning that  independent cam girls who book high volumes of business may run into problems in having those payments processed. Further, with Payoneer one can currently only send private load payments to a prepaid Payoneer debit, meaning there is no way to transfer your funds directly to a bank account. While the prcoessing fees for payoneer private loads are much lower than the costs of Zombaio or CCBill, expect to pay a variety of annual fixed and variable transaction-specific fees (load fees, ATM fees, etc) that add to considerable sums over time.

 

This Sucks, Why Do I Have to Pay To Use Adult-Friendly Payment Processors?

Probably the most important piece of advice I can give you, based on my three years as an independent cam girl, is to swallow the fact that you have to pay fees. Every business has operating costs and being an independent cam girl is no different. Sure, you can use alternatives such as payoneer, Gift Rocket and MoneyPak as occasional payment options (the latter two with US-based customers only), but in order to build and maintain a sustainable and profitable business that allows customers from all over the globe to send you high amounts of money as payment for skype webcam shows and content, you need an actual payment processor. There is no way around this…trust me, I’ve looked

Truth is, the less time you spend sending customers all over the internet trying out payment options not intended to be used for your actual purposes, the stronger and more successful your business will be, simply because you’ll have more time to spend making money. Further, real adult payment processing offers tools to help you avoid chargebacks that alternatives such as Gift Rocket and Payoneer do not. Remember that once a customer does a chargeback he is blacklisted from the majority of payment processors out there, so if he can’t use a credit card to book a show, wonder why.

I hope this article has been of some use to those of you are just starting out as independent cam girls. If you still have questions about any of the options I’ve listed above, check out their websites and read through their sign-up process and FAQ sections. Always remember to treat your business like a business and protect your own interests as much as possible. Don’t make it easy for the (luckily few) losers out there to steal from you by charging back their cam sex show or digital goods purchase, so use adult-friendly payment processors that help you protect yourself while allowing you to book high volumes of business with customers throughout the world. Beyond having hella fun on cam, isn’t that what we’re all here for?

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Skype Cam Girls, Stay Away From PayPal

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‘Paypal bb’ is Nothing But Grief For Skype Cam Girls

Wow. I stumbled on a site tonight that featured a blacklist of customers who had charged back the cam shows they had purchased from skype cam girls. It was a long list. My first thought was “where the fuck are they getting their traffic?!” (cuz no one’s chargeback rate should be anywhere near that high) but then I realized…the method of payment used by each and every douchebag on that list who had stolen from skype cam girls by charging back their cam shows had used…yep, you guessed it. Fucking paypal.
For real, just don’t use it. Offering paypal is basically rolling out the red carpet for every loser out there who gets a thrill out of ruining someone’s day, it’s a huge signal blaring the message “please take advantage of me”. Um, hell no. There are enough alternate adult-friendly options out there that using paypal isn’t necessary. Quite the opposite, using paypal shows that you’re not serious about your business and that you don’t give a damn about yourself OR your customers. Remember that guys can get their accounts frozen for using our services as well if they’re caught. Being independent means taking yourself and your business seriously and searching through the available adult-friendly options out there so that you have a reliable way to get paid for your yahoo and skype cam shows.

 

Payment Processing For Skype Cam Girls

My top recommendations are Zombaio and CCBill. There are pros and cons to both (which is why I use both) that I’ll probably cover in a later post, but you can do your own research as well. That’s what being independent means, right?

Happy camming y’all.

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