[whatamidoingyo]

Here's a part of the message I received from them:

- $25.00 - Monthly fee for the merchant account.

- $19.95 - Monthly fee for the Authorize.net payment gateway (API Connection to your website)

- 3.95% - Keyed rate

- $0.25 - per transaction fee

- $1,450 - HIGH-RISK fee

- 10% Rolling reserve

It just seems unfair, as these fees are for "adult content" sites (i.e. nudity, etc.), which is not what I built.

[ranger_danger]

Why not just go straight to authorize.net? Or your local bank can probably set you up with them... always worked for me.

[jfyi]

Because authorize.net is a payment gateway, not a processor. You'd still need a processor and the one your bank works with will have similar requirements.

Honestly, those rates are better than I expected. I think OnlyFans has a 20% rate and the one real experience I have had with processors that handle adult industry was nearing 30%. They had legitimate fraud problems though.

[whatamidoingyo]

I didn't even consider that as an option. I will look into it. Thanks for the suggestion!