Live data from Hacker News

Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

news.ycombinator.com

61–70 of 305 posts

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#61
post #56

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…

[deleted]

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#62
post #15

Why 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...

What I don't understand is that that this isn't even illegal, so how could the government possibly argue that those accounts should be closed?

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#63
post #26

Earlier 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?

We did something surprisingly similar once as stupid kids/teens and it was in the days before CVV. Just touch tone to enter a card number (although we did this little experiment from a payphone using a 1-800 (toll free) sex line). Typically, you entered a card number after some initial "pitch".

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?

#64
post #44

How 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…

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?

#65
post #56

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…

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?

#66
post #56

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…

Thanks a lot for the reply here. So Stripe manually checks the websites and sees exactly what they are being used for, as long as Stripe itself is not being used for the adult stuff, it's fine, and you can use other providers for the adult content? Still sounds like OnlyFans has some custom agreement with Stripe and a small player would get banned from using Stripe as soon as they see nudity on the site.

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#67
post #56

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…

loading across multiple providers won't alter the chargeback ratio so what is the point?

You could (in theory) do some risk analysis and put the ones with the highest risk into the providers where you had the lowest chargeback. Wouldn't be 100% solution, but could get you there.

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#68
post #56

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…

loading across multiple providers won't alter the chargeback ratio so what is the point?

Stripe is cheaper than CCBill, so it makes sense to send more that way when you can.

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#69

Earlier 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?

Depends on the implementation, with Stripe you can embed their widgets directly on your website to save some development time, but you can also implement in the backend. Even though you would implement it in the backend, there is usually some details leaking (on purpose obviously) to the frontend, like identifiers (Stripes IDs are usually pretty easy to spot) or even the structure of the data can tell you which provider.

Re: Ask HN: How does onlyfans.com work around the “no porn” Stripe rule?

#70

Earlier 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?

One of the easiest ways to ensure PCI compliance is never actually serving the credit card form from your server, and never seeing the response. Hence the front-end will load and send content to/from Stripe directly.
Post reply on HN