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Feature Articles

opinion

How to Halt Hackers as Fraud Attacks Rise

For hackers, it’s often a game of trial and error. Bad actors will perform enumeration and account testing, repeating the same test on a system to look for vulnerabilities — and if you are not equipped with the proper tools, your merchant account could be the next target.

Cathy Beardsley ·
opinion

How Adult Website Operators Can Cash in on the 'Interchange' Class Action

The Payment Card Interchange Fee Settlement resulted from a landmark antitrust lawsuit involving Visa, Mastercard and several major banks. The case centered around the interchange fees charged to merchants for processing credit and debit card transactions. These fees are set by card networks and are paid by merchants to the banks that issue the cards.

Jonathan Corona ·
opinion

It's Time to Rock the Vote and Make Your Voice Heard

When I worked to defeat California’s Proposition 60 in 2016, our opposition campaign was outspent nearly 10 to 1. Nevertheless, our community came together and garnered enough support and awareness to defeat that harmful, misguided piece of proposed legislation — by more than a million votes.

Siouxsie Q ·
opinion

Staying Compliant to Avoid the Takedown Shakedown

Dealing with complaints is an everyday part of doing business — and a crucial one, since not dealing with them properly can haunt your business in multiple ways. Card brand regulations require every merchant doing business online to have in place a complaint process for reporting content that may be illegal or that violates the card brand rules.

Cathy Beardsley ·
opinion

Creating Payment Redundancies to Maximize Payout Uptime

During the global CrowdStrike outage that took place toward the end of July, a flawed software update brought air travel and electronic commerce to a grinding halt worldwide. This dramatically underscores the importance of having a backup plan in place for critical infrastructure.

Jonathan Corona ·
opinion

The Need for Minimal Friction in Age Verification Technology

In the adult sector, robust age assurance, comprised of age verification and age estimation methods, is critical to ensuring legal compliance with ever-evolving regulations, safeguarding minors from inappropriate content and protecting the privacy of adults wishing to view adult content.

Gavin Worrall ·
opinion

Account-to-Account Payments: The New Banking Disruptor?

So much of our industry relies upon Visa and Mastercard to support consumer payments — and with that reliance comes increased scrutiny by both brands. From a compliance perspective, the bar keeps getting raised until it feels like we end up spending half our time making sure we are compliant rather than growing our business.

Cathy Beardsley ·
opinion

Understanding the Latest Server Processors

Over the last decade, we mostly stopped talking about CPU performance. Recently, however, there has been a seismic and exciting change in the CPU landscape, due to innovation by a chip company called Advanced Micro Devices (AMD).

Brad Mitchell ·
opinion

Maintaining Payment Processing Compliance When the Goalpost Keeps Moving

VIRP is the new four-letter word everyone loves to hate. The Visa Integrity Risk Program went into effect last year, and affects several business types — including MCC 5967, which covers adult and anything else with nudity, and MCC 7273, dating services that don’t allow nudity.

Jonathan Corona ·
opinion

Making the Most of Your Sales Opportunities

The compliance road has been full of twists and turns this year. For many, it’s been a companywide effort just to make it across that finish line. Hopefully, most of us can now return our attention to some important things we’ve left on the back burner for months — like driving revenue.

Cathy Beardsley ·
opinion

WIA Profile: B. Wilde

B. Wilde considers herself a strategic, creative, analytical and entertaining person by nature — all useful traits for a “marketing girlie,” a label she happily embraces.

Women In Adult ·
opinion

Proportionality in Age Verification

Ever-evolving age verification (AV) regulations make it critical for companies in the adult sector to ensure legal compliance while protecting the privacy of adults wishing to view adult content. In the past, however, adult sites implementing AV solutions have seen up to a 60% drop in traffic as a result.

Gavin Worrall ·
opinion

Goodbye to Noncompete Agreements in the US?

A noncompetition agreement, also known as a noncompete clause or covenant not to compete, is a contract between an employer and an employee, or between two companies.

Corey D. Silverstein ·
opinion

The Search for Perfection in Your Payments Page

There has been a lot of talk about changes to cross sales and checkout pages. You have likely noticed that acquirers are now actively pushing back on allowing merchants to offer a negative option, upsell or any cross sales on payment pages.

Cathy Beardsley ·
opinion

Unpacking the Payment Card Industry's Latest Data Security Standard

The Payment Card Industry Data Security Standard (PCI DSS) is a set of requirements and guidelines that apply to all businesses that accept credit card payments, and is designed to ensure the security of those transactions.

Jonathan Corona ·
opinion

Compliance With State Age Verification Laws

During the past year, website operators have faced a slew of new state age verification laws entailing a variety of inconsistent compliance obligations.

Lawrence Walters ·
opinion

Merchants in Spotlight With Visa's VIRP

By now, most merchants know about the Visa Integrity Risk Program (VIRP) rolled out in spring 2023. The program is designed to ensure that acquirers and their designated agents — payment facilitators, independent sales organizations and wallets — maintain proper controls and oversight to prevent illegal transactions from entering the Visa payment system.

Cathy Beardsley ·
opinion

How to Know When Hosting Upgrades Are Really Needed

I was reminded about an annoyingly common experience that often frustrates website owners: upgrades. Sometimes, an upgrade of physical system resources like CPU, RAM or storage really is required to solve a problem or improve performance… but how do you know you’re not just being upsold?

Brad Mitchell ·
opinion

Bridging Generational Divides in Payment Preferences

While Baby Boomers and Gen Xers tend to be most comfortable with the traditional payment methods to which they are accustomed, like cash and credit cards, the younger cohorts — Millennials and Gen Z — have veered sharply toward digital-first payment solutions.

Jonathan Corona ·
opinion

Legal and Business Safety for Creators at Trade Shows

As I write this, I am preparing to attend XBIZ Miami, which reminds me of attending my first trade show 20 years ago. Since then, I have met thousands of people from all over the world who were doing business — or seeking to do business — in the adult industry.

Corey D. Silverstein ·
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