You want your money, you want it now and you don’t want to pay any fees to get it, so you turn to a quick pay app to get your money from your customer.
Every day we see models ranting on social media about their pay apps being shut down and money being withheld as a result of a terms and services violation. The truth is, those pay apps do not support sex workers or any adult work, and the income you earn on their apps violates their rules.
It’s understandable why you would want to accept off site payments, however, there are far more risks than rewards going down this road. It just isn’t worth it.
Here are reasons why you should not be accepting off-site payments:
1. TOS and Charge Disputes
Adult work and anything related to sex work such as webcam shows, chat services, videos, etc are a direct violation of most mainstream pay app terms of services. As a result, you risk having your account permanently shut down and the money you have received held either temporarily or forfeited indefinitely.
Another problem with this is that if the customer disputes the charge or used fraudulent information to open the account and they pay you, you are now involved in the fraudulent activity.
If a customer submits a dispute of charges, the app company may then start to view other similar transactions as potential fraud. Just one dispute can send your entire account into an investigation, which suspends your ability to use the app in the future. In most cases, the goods or services have been redeemed however you have yet to be paid.
Therefore, once again, your account is at risk of suffering a suspension or deactivation. You have provided the service, yet you risk never seeing the payment.
2. Access to your personal information
In order for you to have a legitimate payment account, you will have to provide your legal name and other personal information. This exposes your personal information to the public and those you provide your pay app id to.
Although you may find a work around, temporarily masking that information, eventually the customer will be able to obtain your legal name. This definitely puts you at risk of being doxxed or giving curious clients a starting point for finding out more about you.
3. Tax Fraud
Most people do not claim the income generated from pay apps, which is a potential violation of a tax code. Accepting money via a pay app for a good or service is considered income. If this income is not reported to the IRS (or similar relevant entity), you are committing a crime.
Most adult sites provide a 1099 for you to claim your earnings so you don’t have to worry about whether or not your are complying with tax laws. Just make sure you file them!
4. Identity Fraud
For many of us, using an alias is part of the job. An alias is useful for maintaining a level of privacy overall. So, what’s the harm in using a different name, right?
Using your alias for business purposes, such as creating a pay app account, is considered identity fraud. In most user agreements, it states that you agree to being the person as you state in your profile application. By that, they mean your legal identity. This means you are required to submit your true personal information.
Creating a business account is not the same as using an alias if you have a documented legal business registered with your county, city or state.
5. The customer’s identity (that’s an issue, too!)
We generally only think about protecting our identities, but what about a customer’s identity? Using a pay app can make a customer feel uncomfortable, too. Just like you would be giving them access to your information, they are giving you access to their’s via that person-to-person transaction.
You can also see their friends and family, as well as what other models they may be sending money to. If the shoe was on the other foot, you wouldn’t like that level of exposure either.
6. Connecting your friends and family
Speaking of friends and family, many of these apps encourage you to become “friends” with others. This can lead customers to your friends and family members who are also connected to the app. It also exposes anyone else who is paying you, as well as who you may be paying as well.
…and trust me, there are more issues. Things ranging from what countries an app can accept payment from to what currency, the list goes on and on.
Don’t put your money at risk, don’t cause yourself potential unnecessary delays. Waiting a few days and taking a hit on the site’s cut is well worth it in the long run. Find a site that you trust within the industry that wants to keep your business by providing all the protections off-site cash apps don’t, can’t or — most often — refuse to. Plan for rainy days and delays too — because they happen.
Good luck!
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— ?QueenofBBW.com (@PlatinumPuzzy1) June 11, 2019
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Kari “Platinum Puzzy” Anthony is an events trailblazer in the adult industry community. She created and organized BBWFANFEST, the first BBW niche trade and awards show recognizing plus size performers, and BBWCAMHOUSE — the first live 24-hour voyeur house filled with curvy adult stars, cam performers, dancers and more. Email her at platinumpuzzy@ynotcam.com.
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