educational

Children's Credit Card Confusions

One of the foundations of "responsible" Adult Webmastering is obtaining some form of Age Verification before allowing access to sexually explicit material. Traditionally, this has involved the use of a valid credit card to prove the bearer's age. While Congress has acknowledged this as a an acceptable mechanism, the credit card companies themselves, as well as a number of major processors, are saying flat out - "it just ain't so!" How does this affect you? Read on:

Children's Credit Cards
I read a post at one of the Webmaster message boards the other day concerning iBill's statement that credit cards are not a form of Age Verification: "iBill does not recognize the use of a credit card as proof of age. There are numerous minors that hold credit cards in their own right, and the authorization process does not provide a means to determine a person's age. This being the case, it is not possible to determine whether a card number is being used by a minor."

This post reminded me of another one that I had read a while ago at YNOT Master's. It was from Jim Morrison of VIP-ID, and his post concerned the termination of his merchant account. Rather than a typical "pissing on the boards" post, it was a thought provoking piece - especially when you consider that VIP-ID is an Adult Verification Service (AVS), and you learn the reasons why their merchant account was closed: As stated in Jim's post, Card Services International (CSI) informed him that according to VISA USA:

"There are numerous minors that hold Visa cards in their own right and that the authorization process does not provide a means to determine a person's age. This being the case, it is not possible to determine whether a card number is being used by a minor.

Since a card can not be used to determine age, we have concluded that the concept of Age Verification is not accurate, is misleading, and may create a false sense of security. For these reasons, Visa has determined that permitting an Age Verification process is not in the best interests of Visa Members."

Now Jim's post went on about seizure of funds, fines to be levied, and the measures he will take against this onslaught. A difficult situation and I wish him well. But I couldn't shake the feeling that this was not good news for the industry as a whole. Especially when I noticed the similarity of the wording, and realized that Visa was obviously the source for both companies' new stances. The result of this is now that an anticipated crackdown on adult sites seems imminent, perhaps Webmasters should not take too much comfort in being able to say "I got a valid credit card number, that proves they're adults!"

The Confusion
You see, as I understand it, Age Verification Services (AVS) are an accepted method under COPA of limiting a minor's access to potentially harmful material through the vehicle of a credit card transaction. The same "protection" was also extended to pay sites.

If the cardholder is underage, a parent or guardian had to "sign" for the card (since minors are unable to enter into legal contracts), and in doing so they acknowledge responsibility for its use and charges. This implies parental supervision of the card's use, and so no minors should be using credit cards to access adult entertainment.

The whole AVS industry is built upon this concept, and it is also the thinking behind most pay site's age verification strategy. To have a monopolistic entity declare that "...permitting an Age Verification process is not in the best interests of Visa..." despite an established legislative standard doesn't bode well. There are options of course, but without VISA, many revenue streams would be curtailed. It is part of a coordinated and continuing effort to accomplish social change...

This is not an isolated case with an isolated vendor; it is part of a coordinated and continuing effort to accomplish social change in the marketplace in the wake of past legislative failures. The handgun industry will tell you all about how it works:

Think I'm crazy? The next time you see that MasterCard commercial on TV saying that you're not responsible for "mysterious Internet charges" - remember, it makes a great incentive to tell your wife "I NEVER!" when the bill comes... How many "I Never!" credit card charge disputes can YOUR company handle? ~ Stephen

Copyright © 2026 Adnet Media. All Rights Reserved. XBIZ is a trademark of Adnet Media.
Reproduction in whole or in part in any form or medium without express written permission is prohibited.

More Articles

profile

LoyalFans' Anastasia Pierce Bridges Creator Education, Empowerment and Ownership

Anastasia Pierce beams when she talks about her 26 years in the industry. Full of passionate energy, she clearly doesn’t just work in adult; she loves it.

Women In Adult ·
opinion

Growing Site Revenue Under Ever-Changing Compliance Rules

Over the past year, many merchants have reported earnings that were flat or even a bit down. This is due to three main factors: age verification regulations, click-to-cancel rules, and banks backing away from cross-sales due to regulatory requirements and the rollout of the Visa Acquiring Monitoring Program (VAMP).

Cathy Beardsley ·
opinion

AI Safeguards for Platform Compliance and Trust

If your platform hosts user-generated content (UGC), then you already know protecting your brand is not merely a matter of good design or strong community guidelines. It requires systems that can verify who your users are, filter what they upload and ensure your business stays on the right side of regulators, payment processors and public opinion.

Christoph Hermes ·
opinion

How to Eliminate User Redirects and Improve Checkout Retention

Running an adult site, you work hard to create traffic and make sure your funnel is optimal, with the end goal of getting users to make a purchase. Then, right at that critical moment, what do you do? You send them somewhere else. Not good.

Jonathan Corona ·
profile

Stripchat's Jessica on Building Creator Success, One Step at a Time

At most industry events, the spotlight naturally falls on the creators whose personalities light up screens and social feeds. Behind the booths, parties and perfectly timed photo ops, however, there is someone else shaping the experience.

Jackie Backman ·
opinion

Inside the OCC's Debanking Review and Its Impact on the Adult Industry

For years, adult performers, creators, producers and adjacent businesses have routinely had their access to basic financial services curtailed — not because they are inherently higher-risk customers, but because a whole category of lawful work has long been treated as unacceptable.

Corey Silverstein ·
opinion

How to Build Operational Resilience Into Your Payment Ecosystem

Over the past year, we’ve watched adult merchants weather a variety of disruptions and speedbumps. Some even lost entire revenue streams overnight — simply because they relied too heavily on a single cloud provider that suffered an outage, lacked sufficient redundancy and failover, or otherwise fell short when it came to making sure their business was protected in case of unwelcome surprises.

Cathy Beardsley ·
opinion

Building a Stronger Strategy Against Card-Testing Bots

It’s a scenario every high-risk merchant dreads. You wake up one morning, check your dashboard and see a massive spike in transaction volume. For a fleeting moment, you’re excited at the premise that something went viral — but then reality sets in. You find thousands of transactions, all for $0.50 and all declined.

Jonathan Corona ·
opinion

A Creator's Guide to Starting the Year With Strong Financial Habits

Every January brings that familiar rush of new ideas and big goals. Creators feel ready to overhaul their content, commit to new posting schedules and jump on fresh opportunities.

Megan Stokes ·
profile

Pornnhub's Jade Talks Trust and Community

If you’ve ever interacted with Jade at Pornhub, you already know one thing to be true: Whether you’re coordinating an event, confirming deliverables or simply trying to get an answer quickly, things move more smoothly when she’s involved. Emails get answered. Details are confirmed. Deadlines don’t drift. And through it all, her tone remains warm, friendly and grounded.

Women In Adult ·
Show More