This page is a collective effort of Banned Writers members to make quick evaluations of the various large scale (US, EU, Oceana) payment services. One thing the PayPal firestorm has taught us all, is that we’d be fools to lock our commerce systems into a single payment provider if we can possibly avoid it. We present here information about a payment company, it’s ‘icky’ policy, and, a link to the relevant TOS or user agreement.
We have 16 payment service currently rated.
This page is a call to all Banned Writers members (and other interested parties) to help. We need your input.
Can you help gather data?
This list is intended to be a resource for writers, presses, and small publishers.
Very special thanks to Erika L Firanc and JR Wesley for a tremendous amount of research work for this effort.
If you’d like to help, or have data, or have an opinion on format or other information that would be useful for this page (for example,would posting fee policies here be a good idea, or too much info?), please comment below!
|Company||Ick Policy Summary||Relevant passages||TOS Link|
|2checkout||“Sexually oriented”||“If your products or services are listed below, although our standard accounts will not fit your company, 2CO has additional options and may be able to provide you with an alternative solution.
-Illegal and Potentially Illegal Products/Services
-Adult Entertainment (Sexually Oriented)
-Pre-Adult Content- Pictures, Videos, etc. of individuals under the age of 18″
|Ayden||“Adult Content”||Under “2.11 WARNING – FINES SCHEME OWNERS”:”For violations of certain key requirements under the Scheme Rules by Merchants, some Scheme Owners (and in particular the Card Schemes) can levy significant Fines, ranging from 25.000 euro to over 1 million euro. [...] Key examples of Scheme Rules which are subject to such Fines: [...] (iii) using the Payment Method for selling Merchant Products and Services for which the Scheme Owner explicitly prohibited its use (e.g. adult content, medicine, arms);”||TOS Download|
|CCBill||“Obscene; publicly immoral; company finds it offensive”||“Prohibited are Goods, literature, products, or other materials that: […]• Contravene public morality • Are considered obscene4. ILLEGAL PRODUCTS, REGULATED GOODS AND MISC. ITEMS THAT WILL NOT BE ACCEPTED […]Any other items or activities which in Company’s judgment are illegal, inappropriate, or offensive”NOTE: If many adult companies use CCBill this is either an axe waiting to fall, or a meaningless restriction.||Terms and Conditions|
|‘None’, but see letter.||“Per our terms and services, as long as the product being sold via Dwolla is not deemed illegal then you are able to utilize the Dwolla system.”||TOS Link|
|VISA||Prepaid VISA card – not a payement service per seRESTRICTIONS: Lawful Conduct and Prohibited Activities - Use the Service in any way that is illegal in any jurisdiction in which you are present or conduct business in or in which Provider is present or conducts business in.||TermsRestrictions|
|Google Checkout||“Sexually suggestive materials, porn involving minors, contravene public morality”||“Unacceptable product categories & Examples: Adult goods and services (Pornography and other sexually suggestive materials (including literature, imagery and other media); escort or dating services; novelties and toys); Child pornography (Pornographic materials involving minors, or content that can be perceived as pedophilia erotica) Offensive goods (Goods, literature, products, or other materials that: […]Contravene public morality”||Policies Content Policy|
|Gumroad||“obsene, profane”||“Posting and Communication Restrictions. You will not post on the Website, transmit to other Users, communicate any User Content (or links thereto) or Digital Goods (or links thereto), or otherwise engage in any activity on the Website or through the Service, that:promotes racism, bigotry, hatred or physical harm of any kind against any group or individual;is defamatory, inaccurate, abusive, obscene, profane, child pornographic, offensive, obscene or otherwise objectionable;harmful to minors in any way;”Note: That last shouldn’t be relevant… unless they decide that any “adult content” is “harmful to minors.” However, they don’t specifically have rules against adult content or “pornography,” and may be fine with processing pretty much any legal erotica.||User Agreement|
|PayLoadz||Nothing illegal||“You may not use the PayLoadz System or the products or services provided through or in connection with the PayLoadz System to:child pornography – hosting, distributing, or linking to pornography Involving a person under legal age.”||Terms|
|Payoneer||MasterCard||(Payoneer Prepaid MasterCard is issued by Choice Bank Limited or First Covenant Bank) (Ecommerce businesses such as Plimus, 2Checkout and Avangate currently offer Payoneer’s prepaid MasterCard for ecommerce payment processing.) NOT an online payment system; it’s a prepaid Mastercard. People have to apply for it, and vendors have to figure out a way to accept it.||FAQ|
|PayPal||“Miller Test”||“…prohibit use of PayPal for the sale of e-books that contain child pornography, or e-books with text and obscene images of rape, bestiality or incest (as defined by the U.S. legal standard for obscenity: material that appeals to the prurient interest, depicts sexual conduct in a patently offensive way, and lacks serious literary, artistic, political or scientific value).”||Legal Agreements Links|
|PaySimple||“Prohibited Activities”||“Illegal use Using the Services to transmit any material that, intentionally or unintentionally, violates any applicable local, state, national or international law, or any rules or regulations there under.
Offensive Materials Disseminating or posting material that is unlawful, libelous, defamatory, obscene, indecent, lewd, harassing, threatening, harmful, invasive of privacy or publicity rights, abusive, inflammatory or otherwise objectionable as determined by PaySimple.”
|Primus||“Pornography & adult content”||“You may not sell or promote any of the items listed below: […] Pornography and adult content of any sort including and not limited to pre-adult content featuring individuals under the age of 18 Years. This includes products or content on your web site where Plimus BuyNow links are placed”NOTE: WTF is “pre-adult content?”
|SimpleMerchantAccounts (TBD)||No…||“relevant quote”||TOS Link|
|“Porn and hardcore content”||“6.7. It is strictly forbidden to send payments in order to pay for: […]porn and hardcore content or services”||TOS Link|
|Stripe (Wells Fargo ties)||“Sexually-oriented content”||“By registering for a Stripe Service Account, you are confirming that you will not accept payments in connection with the following businesses, business activities or business practices: [...] (38) sexually-oriented or pornographic products or services”||TOS Link|
|Squareup(US Only)||“adult entertainment, occult”||“you will not accept payments in connection with the following businesses or business activities: […](22) adult entertainment oriented products or services (in any medium, e.g., internet, telephone or printed material) […](26) occult materials”||User Agreement|
|WePay||“Obscene or pornographic”||Listed under Restricted Activities: “The following uses are prohibited by the WePay Terms of Service. Any Account found to be created for the following uses will be closed. [...]• Using WePay to sell: *items that are obscene or pornographic”(Sending an email to request clarification got a reply of: “Best way to ensure that your products don’t violate our terms of service is to send some examples in to our review team. They can review them and let you know!”||TOS Link|
|Company||Ick||Relevant Passages||TOS Link|