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Author Topic: Why Dont' Most Prostitutes Take Credit / Debit Cards  (Read 6709 times)

Offline Lucy chambers

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Ah.. My angry Pet Troll  :diablo: has awoken

A business does not have to have employees to be a business, and a sole trader acting is a business,
http://www.businesslink.gov.uk/bdotg/action/detail?itemId=1073789606&type=RESOURCES

Very odd that you don't know that if registered, oh well just another to add to your list of unsunstantiated claims that don't add up or have any validity.

Now Rant away all you like, but until you post something to substantiate your claims it is just hot air  :scare:

Yawn again. You really are quite odd, arent you? Found those field reports yet or do we have to listen to your unsubstantiated rubbish for another day?



I don't think I would ever feel comfortable paying by card, be it credit or debit, because just as there are dodgy punters there are also dodgy prossies and if they are not dodgy, who's to say someone else they work with/for isn't, I don't fancy having to sort out my account because my card has been skimmed/cloned by someone in the paid sex industry.
Even if something perfectly innocent went wrong with the machine or something I cant imagine phoning the bank up and answering questions about the double payment that went out to "slutty sue inc".
Cash works fine no need to change it, if it gets nicked or whatever then that's the max they have, if my card gets nicked/cloned or whatever then they could wipe me out, and although I am sure it would get sorted just as it would if it got skimmed at a dodgy petrol station its just more risk exposure I could do without.


Offline Strawberry

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A well known agency owner once told me they had a lot of problems with chargebacks. I worked for a company providing a utility once, and the number of people who would pay their bill using a card then claim the card had been stolen/used without permission was quite surprising. To a point where we'd no longer accept card payments on those accounts - they had to pay in cash. Also plenty of very 'happy' customers try and rip service providers off - there are plenty of cheque and currency scams, as well as tales of guys stealing money back when the girl isn't looking.

If folk will do this for a fairly essential product, giving their real name and address then I'm sure they'd do it with something like this.

Regards services you aren't covered at all, unless the service isn't proved at all. Nothing to stop you claiming the card was stolen. With CHIP and PIN the onus is supposed to lie with the bank however with so many guys being encouraged to use fake names, leave valuables in the car, use a throw away phone this system is hardly congruous. How many chaps are going to handover their card containing personal info such as their real name?

Not many at all. Wouldn't make renting a card terminal, and the extra charges worth it. I've been told that once banks realise you are providing an adult service, that's when they whack up the transaction charges. Wonder if that reflects the relative amount of risk?
« Last Edit: February 12, 2011, 03:00:34 PM by Strawberry »

Offline James999

worked for a company providing a utility once, and the number of people who would pay their bill using a card then claim the card had been stolen/used without permission was quite surprising.

So Mr J Smith of 17A Acacia Avenue uses his card to pay the gas bill at 17A Acacia Avenue and claims the card was used without his permission / was stolen, that's not going to hold water or lead to a chargeback.

Offline Wilf


The only logic for a prostitute  not taking cards appears to be the  non declare of the income, be this in relation to HMRC, Benefits, housing etc.


Utter drivel,    The pitfalls of obtaining and maintaining a merchant account are plenty but perhaps the most prominent is the liability aspect
from the merchants (wg) bank who are totally responsible for ALL the transactions the merchant transacts so to speak, thus the liability
is on their shoulders, the likes of VISA & Mastercard have enough hoops to jump through for the issuing banks without the merchant
giving them even more of a minefield to trawl through.

Liability wise and as a working example, should a wg be paid by credit card and then the punter when home decides it wasn't what he
wanted or to issue a chargeback and proceeds to do so....this would in effect cancel the transaction but given the act took place it
may then be offered that the girl consented because she was being paid, but as no payment was made this 'could' give rise to her
claiming she was raped and so on.  Of course it's hypothetical but there lies one of a multitude of reasons why a girl but primarily the
banks that won't allow credit cards into the transaction.

To say nothing of most punters wanting to retain their identity and so pay with cash, why would they want a credit card coming home
every month reading 'James999 £25'    Selling your ass James999 to a visa taking rent boy will never be the same. :D



Offline Strawberry

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So Mr J Smith of 17A Acacia Avenue uses his card to pay the gas bill at 17A Acacia Avenue and claims the card was used without his permission / was stolen, that's not going to hold water or lead to a chargeback.

It did. Don't know how but it did.

Offline James999

Wilf, thanks for opening your post with "utter Drivel" as it clearly was, so you agree cash is king and the bonus is it's practically untraceable  :dance: no need to be scared of the truth, the car cleaner at the supermarket only takes cash as well  :scare:
« Last Edit: February 12, 2011, 03:22:24 PM by James999 »

Offline Strawberry

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Utter drivel,    The pitfalls of obtaining and maintaining a merchant account are plenty but perhaps the most prominent is the liability aspect
from the merchants (wg) bank who are totally responsible for ALL the transactions the merchant transacts so to speak, thus the liability
is on their shoulders, the likes of VISA & Mastercard have enough hoops to jump through for the issuing banks without the merchant
giving them even more of a minefield to trawl through.

Liability wise and as a working example, should a wg be paid by credit card and then the punter when home decides it wasn't what he
wanted or to issue a chargeback and proceeds to do so....this would in effect cancel the transaction but given the act took place it
may then be offered that the girl consented because she was being paid, but as no payment was made this 'could' give rise to her
claiming she was raped and so on.  Of course it's hypothetical but there lies one of a multitude of reasons why a girl but primarily the
banks that won't allow credit cards into the transaction.

To say nothing of most punters wanting to retain their identity and so pay with cash, why would they want a credit card coming home
every month reading 'James999 £25'    Selling your ass James999 to a visa taking rent boy will never be the same. :D




The non-payment=rape argument doesn't hold since the sex for money agreement, has been shown not to be a valid contract in the first place.

Regards the getting back home bit, I think the most dangerous would be a partner or wife(same thing only 'legal') seeing the transaction, husband either denies it or wife thinks must be some mistake and then demanding it must be fraudulent. She phones the bank and claims chargeback herself. Husband is hardly likely to say "Oh I remember now it was that call-girl I paid" now is he?! Amazing how many people couldn't have dialled sex lines, or only "stumbled" upon extreme porn sites. Ghosts, burglars, all sorts of things get blamed.
« Last Edit: February 12, 2011, 03:23:43 PM by Strawberry »

Offline James999

It did. Don't know how but it did.

Then it's one of those stories where all of the facts are not in the discussion as on the basis I outlined it would not happen, it is possible that there was more to the matter and of course that could have caused the chargeback but we will never know

Offline softlad

I'll drop a few pound coins on the bedroom floor and when she bends down to pick them up I'll slip her a crippler.

 :lol:   :sarcastic:   :lol:

Offline Wilf

Wilf, thanks for opening your post with "utter Drivel" as it clearly was, so you agree cash is king and the bonus is it's practically untraceable  :dance: no need to be scared of the truth, the car cleaner at the supermarket only takes cash as well  :scare:

If you could point me to where I have stated any of the above I would be ever so grateful.


Offline Lucy chambers

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If you could point me to where I have stated any of the above I would be ever so grateful.



Wilf, don't mind James. He has the mental capacity of Snoopy. Unsubstantiated drivel is his ethos and he is not fit to debate bus fare.

Offline oconnor

I would have thought it was patently obvious why cash is the best currency.  .  If I saw a girl who wanted me to pay with a card, I would go elsewhere and have complete discretion.  I do not want to leave a paper trail anywhere when punting.


Offline Strawberry

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I think the consensus has to be that if it were workable, and suitable surely it would have been adopted by most by now. The internet was quickly adopted but it seems card payments just don't appeal.

Offline Jimmyredcab

I can't think of one reason why a punter would need to use a credit card, I could have a terminal in the cab but there is not enough demand ---------- plus the passenger gets charged a 12% handling fee, I tell people to use a cash machine.
I would be quite worried about a WG knowing my real surname ------- after recent events.  :(

Offline Strawberry

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I can't think of one reason why a punter would need to use a credit card, I could have a terminal in the cab but there is not enough demand ---------- plus the passenger gets charged a 12% handling fee, I tell people to use a cash machine.
I would be quite worried about a WG knowing my real surname ------- after recent events.  :(

Do you know Jimmy I was going to refer to you in your cab, but wondered if the argument would get batted down because you deal with smaller individual fees.

For female taxi cab passengers there are sometimes very odd drivers who are 'over-friendly', and I'm not sure I'd like them knowing too much detail either!

Sorry that was a poor attempt at drawing a mild parallel, but it is true and I can think of two examples I've come across in the last 5-6 years after causing distress to at least one woman. I suppose at least drivers are 'licenced', and at least one did get in trouble with the authorities.

As a card taking company .
Apart from the fraud aspect there is the cost to the merchant .

the actual transaction charge 2.5 up to as much as 10% if used mobile
terminal rental £30 a month
paper and call charges
bank charge to pay the amounts in

also the time to get the money anything from 2 to 10 days ....

we are actually going to charge a 3% fee to cover these costs ..

Offline Jimmyredcab



For female taxi cab passengers there are sometimes very odd drivers who are 'over-friendly', and I'm not sure I'd like them knowing too much detail either!

I doubt very much whether the taxi driver would be interested in the fact that your real name is Mrs Jones or whatever, in London the cab drivers are strictly regulated, the multiple rapist a few years ago had a clean record.
I rarely talk to passengers unless they start up a conversation.

Offline Strawberry

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I doubt very much whether the taxi driver would be interested in the fact that your real name is Mrs Jones or whatever, in London the cab drivers are strictly regulated, the multiple rapist a few years ago had a clean record.
I rarely talk to passengers unless they start up a conversation.

There was a driver in another town who harassed/stalked a couple of women, and there is another not to far away who exhibits similar behaviour. Hasn't been caught doing anything yet, but a couple of taxi firms won't employ him as a result.

Like genuine cab drivers I'm not interested in someone's second name, however there'll always be someone and in all walks of life who will use information deviously.

Offline Jimmyredcab



Like genuine cab drivers I'm not interested in someone's second name, however there'll always be someone and in all walks of life who will use information deviously.
I would say that 99.9% of WG's operate with integrity however recent events prove that revealing too many personal details could lead to problems further down the line -------- my real name is Jim, that is all I am prepared to reveal.

Offline cunnyhunt

I have a friend who takes cards, he is always complaining about the costs to him as a merchant, he pays 3.5% on each transaction and then has to wait for 28days for his payment, he offers a discount for cash and uses that to pay his suppliers, that was the best deal he could get.

I take cash out at the weekend and use that for everything.

Flying home recently I stood behind someone paying for a newspaper with a card, I was surprised they took it.

Offline Wayang

I would say that 99.9% of WG's operate with integrity however recent events prove that revealing too many personal details could lead to problems further down the line -------- my real name is Jim, that is all I am prepared to reveal.

Depends on the WG - few, very few know more than the fact that my name is John (but all johns are John).  Others, over the years know a little more - but I think not enough to 'out' me.  I have a 'punting' hotmail address for e-mails.  Having lost, replaced  and just found my old mobile I intend to use a new number and pay as you go.  Anything else I should do?

Offline Strawberry

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Depends on the WG - few, very few know more than the fact that my name is John (but all johns are John).  Others, over the years know a little more - but I think not enough to 'out' me.  I have a 'punting' hotmail address for e-mails.  Having lost, replaced  and just found my old mobile I intend to use a new number and pay as you go.  Anything else I should do?

Yes, use a proxy server  :D



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