Since, I know a friend in this industry, let me explain what's going on here. Yes, OnlyFans uses Stripe, but that's not the entire story. In the adult/porn world, there's a high amount of chargebacks and fraud relative to low-risk industries like SaaS software. If you pass a certain chargeback threshold in the adult industry, your account is terminated, and no payment processor will do business with you. To reduce th…
Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?
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Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?
#62Why do you think the porn industry is prone to more fraud/risk?
Because the government will close your bank accounts if they discover you are making money off pornography. https://www.vice.com/en_us/article/pa8xy9/is-the-doj-forcing...
Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?
#63Earlier quoted context omitted.
My friend and I were 13 and called 1-900 numbers back when it was popular. We took his moms credit card and changed some numbers around. Eventually a number we made up worked. It was a hilarious moment but I was scared to death we would be found out. Nothing ever happened but somebody got a charge.
Do they not ask for a CVV or any other verification?
AFAIK, 1-900 numbers only worked by billing you on your phone bill.
Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?
#64How do you find out what payment processor(s) a given site uses? I know that some provide methods whereby a site can have the actual payment entry form served and processed by the payment processor instead of by the site's own server, so you'd be able to see from the user's end where they payment is actually being processed. I've never done a survey, but just anecdotally most sites I've encountered seem to not be usi…
> How do you find out what payment processor(s) a given site uses? I'm a developer so looking at what kind of request the application is doing when interacting with anything involving payments. In the case of OnlyFans it was easy as they make direct requests to Stripe. In other cases, I've looked at the data structures stored in the current page by using the JS console and compare it to the API docs of various paymen…
Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?
#65Since, I know a friend in this industry, let me explain what's going on here. Yes, OnlyFans uses Stripe, but that's not the entire story. In the adult/porn world, there's a high amount of chargebacks and fraud relative to low-risk industries like SaaS software. If you pass a certain chargeback threshold in the adult industry, your account is terminated, and no payment processor will do business with you. To reduce th…
Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?
#66Since, I know a friend in this industry, let me explain what's going on here. Yes, OnlyFans uses Stripe, but that's not the entire story. In the adult/porn world, there's a high amount of chargebacks and fraud relative to low-risk industries like SaaS software. If you pass a certain chargeback threshold in the adult industry, your account is terminated, and no payment processor will do business with you. To reduce th…
Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?
#67Since, I know a friend in this industry, let me explain what's going on here. Yes, OnlyFans uses Stripe, but that's not the entire story. In the adult/porn world, there's a high amount of chargebacks and fraud relative to low-risk industries like SaaS software. If you pass a certain chargeback threshold in the adult industry, your account is terminated, and no payment processor will do business with you. To reduce th…
loading across multiple providers won't alter the chargeback ratio so what is the point?
Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?
#68Since, I know a friend in this industry, let me explain what's going on here. Yes, OnlyFans uses Stripe, but that's not the entire story. In the adult/porn world, there's a high amount of chargebacks and fraud relative to low-risk industries like SaaS software. If you pass a certain chargeback threshold in the adult industry, your account is terminated, and no payment processor will do business with you. To reduce th…
loading across multiple providers won't alter the chargeback ratio so what is the point?
Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?
#69Earlier quoted context omitted.
> How do you find out what payment processor(s) a given site uses? I'm a developer so looking at what kind of request the application is doing when interacting with anything involving payments. In the case of OnlyFans it was easy as they make direct requests to Stripe. In other cases, I've looked at the data structures stored in the current page by using the JS console and compare it to the API docs of various paymen…
I'm not a web developer but I always assumed that happened on the backend, so it wouldn't be visible. I guess not?
Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?
#70Earlier quoted context omitted.
> How do you find out what payment processor(s) a given site uses? I'm a developer so looking at what kind of request the application is doing when interacting with anything involving payments. In the case of OnlyFans it was easy as they make direct requests to Stripe. In other cases, I've looked at the data structures stored in the current page by using the JS console and compare it to the API docs of various paymen…
I'm not a web developer but I always assumed that happened on the backend, so it wouldn't be visible. I guess not?