Billing Payment Gateways

Find on this page how to configure: payment options, adult payments, paid items (monetization), payouts, membership , FAQ.

MicroPayments, Site Tokens/Credits Wallet and Billing

Token wallets streamline user payment experience by allowing use of prepaid tokens for various services without the hassle of transaction fees or going to billing processor site each small transaction.

Clients can prepay credits (tokens) that show in a site wallet and can be used anytime later in chat to pay for private shows per minute, send tips to performers,  access paid content, get site membership or subscriptions to creators . Tokens can be used for services from different performers/creators and content from different owners, anytime after deposit.

Business (site owner) uses an account on a supported billing site (like Paypal, CCBill, Stripe, 2Checkout, Square, Coinbase) to collect payments from clients.

Payments (real money) go into account(s) configured by site owner, setup on billing site(s) of choice. Website owner / business needs to have an account with one or more supported billing gateways, that will collect payments from clients. There’s multiple billing gateway options including for adult site payment processing.

Solution integrates 3 tokens/credits wallet plugins: MicroPayments (custom token packages as WooCommerce products),  TeraWallet (WooWallet with WooComerce gateways), myCRED (integrates few billing options and gamification features) .

Any or multiple can be used, as necessary. In multi wallet mode, an active wallet can be chosen for videochat activities and tokens can be transferred manually or automatically to that wallet. A secondary wallet can be setup for a different purpose (payouts or gamification features).

Clients spend credits (tokens) in pay per minute private shows or by sending tips to performers or to buy various items.
Performers receive amounts of credits in their site wallet depending on backend settings (can receive 100% or lower commissions). As site receives the real payments when clients buy tokens, site can implement a payout procedure to pay each performer based on tokens accumulated from clients.

Pay per Minute Videochat, Paid Membership, Video/Pictures/Rooms, Creator Subscriptions, Donations/CrowdFunding

Users can spend credits (tokens) in multiple ways:

  • pay per minute private shows (on client request in room)
  • pay per minute group sessions (initiated by performer and clients join)
  • donations/tips to performers (anytime by clients in chat room or from content pages with MicroPayments including crowdfunding)
  • access to paid site content (webcam rooms, videos configurable with MicroPayments plugin or myCred Sell Content addon when using that wallet)
  • creator subscriptions (clients/fans can subscribe to creators/performers with MicroPaymens plugin).
  • premium site membership (membership roles that can be subscribed with MicroPaymens plugin). Content can be restricted to certain membership: webcam rooms, videos, pictures, pages (that could list the membership content).
  • online store items (WooCommerce, MarketPress, WP E-Commerce, Events Manager integrated with myCred Gateway addon)
  • transfers to other users (if enabled with myCred Transfer addon)
  • withdraw (especially performers) with the premium TeraWallet (WooWallet) Withdrawal addon (developed by TeraWallet providers) per their Withdrawal documentation (Paypal, Stripe, Bank).

MyCred, TeraWallet, WooCommerce are 3rd party billing plugins that have own providers, developers, premium extensions and support and can be used as necessary.

Payouts / Withdrawals

Webmaster can define administrative records, fields to request details from performers including payout method and details. Administrative fields can be filled on registration and later from Performer Dashboard.  Transferring money to performers can be done manually from own account/wallet or with payment service (like Paypal, Skrill, Paxum) that supports mass payouts.

  • Solution includes a Payout tool that provides assistance with Payouts. The payout tool can generate payout lists, including custom CSV files for mass payouts, where possible (in example Paypal, Skrill, Paxum). Tool can filter performers that need to get paid, deduct payout tokens from wallet, generate the payout list including CSV files, generate payout report including CSV files.
    The tool is highly configurable including: minimum amount (tokens), currency, exchange rate (from tokens to currency), multiple customizable payout methods, fields to include in payout CSV for each payout method, fields to include in report CSV.
  • For manual payments with any method (including from bank account, crypto wallet), webmaster can see balance for all users and adjust as necessary when doing payments or with the Payout tool (by configuring a custom payment method).
  • There is also a premium plugin for TeraWallet (WooWallet) Withdrawal (developed by TeraWallet providers) that can be used on some projects per their Withdrawal documentation to withdraw with Paypal, Stripe, Bank.

– For adult websites you can explore these manual payout options listed by major adult operators: ACH, SEPA, International Wire Transfer, Crypto, Directa24, PagoMundo, Paxum, CosmoPayment, ePayService, WebMoney, Skrill, Check by Mail.
– Manual crypto payouts can be implemented by purchasing crypto from a reputable exchange (from website income) and sending directly to user wallets.

Warning: Implementing 100% automated payouts is not recommended as you may get your account wiped out in case of a site hack or error. All payouts should be manually reviewed / confirmed before processing. Higher withdrawal thresholds could be implemented to reduce work with payout review. The payout tool will process local token transactions in wallets and will generate payout lists that can be used with mass payout processors after review. The payout tool does not directly operate money transfers (in bank accounts, crypto wallets or other payment sites), it only generates the lists and removes the tokens from performer wallets.

After licensing original solution and having a functional setup, VideoWhisper developers can also implement custom tools for payouts, depending on requirements or implementation of different credit management and purchase plugin.

Paid Membership

As permissions for access are role based, PaidVideoChat can use any WP membership plugin to setup paid membership.

  • VideoWhisper provides the free MicroPayments plugin that works with WooCommerce, MyCred or TeraWallet (WooWallet) billing that can provide membership upgrade options after registration.

With the Paid Membership plugin, site visitors register as free users, buy tokens that add to their virtual wallet and use these to upgrade membership, send tips, request pay per minute private shows, access paid content.

Sites that use WooCommerce can add these premium membership plugins:

  • WooCommerce Memberships Setup paid membership as products. Leveraged with Subscriptions plugin allows membership subscriptions.
    • sell a membership as stand-alone product — create a product for the membership, then tie the plan to that product to sell it
    • grant access to a membership as part of a product purchase — i.e., buy a subscription for a meal box, get access to the recipes section for free
    • grant access to the same membership from several products (i.e., a yearly purchase or a monthly subscription)
    • assign memberships manually for an invite-only members area
  • WooCommerce Subscriptions Setup subscription products, content. Leverages Membership plugin to setup membership subscriptionsSetup at least 1 paid role that members get by purchasing membership.
    Create product-of-the-month clubs, weekly service subscriptions or even yearly software billing packages. Add sign-up fees, offer free trials, or set expiration periods.
  • WooCommerce Booking Setup booking products with calendar, availability, booking deposits, confirmations for 1 on 1 or group bookings.
    Include the room link or video call link in booking product description.
  • WooCommerce Product Vendors Allow multiple vendors to sell via your site and in return take a commission on sales. Leverage with Product Reviews Pro.
  • Affiliate for WooCommerce Tracks referrals, sales, commissions, payouts and provides a dashboard for affiliates.

F.A.Q.

Q: Does VideoWhisper take any commission or revenue share from site income?
A: No, site owner collects payments directly and in full to own accounts configured with billing gateways.

Q: Can regular gateways as PayPal be setup for adult oriented sites?
A: Although solution does not involve any restrictions, adult sites should use gateways that explicitly allow that type of content (see Zombaio, CCBill) to prevent issues like billing account suspension due to breaking billing site terms and policies.

Q: Can each performer receive payments directly?
A: Billing setup is per site and clients buy tokens to use with various performers at different times. When client buys tokes, payment  goes to site owner / business and can’t go directly to a certain performer.
To setup direct payments for a single performer, a sub-site can be setup (on a subdomain or different domain) and configured with performer’s billing details.

Q: What’s the ratio / currency for tokens?
A: Tokens are custom internal site currency and can have a custom label (Ex: tk$). With MicroPayments WP plugin you can setup token packages as WooCommerce products, with custom amount of tokens for custom price allowing custom ratio / offers per package. For the other wallets you can check their settigns and documentation (TeraWallet enables topping up at 1:1 ratio with WooCommerce gateways and MyCred allows configuring a fixed ratio from settings).

WooCommerce Gateways

WooCommerce Gateways are supported with TeraWallet plugin and also directly with the internal wallet in MicroPayments plugin that allows setting up token packages as WooCommerce products (clients get a custom amount of tokens by buying a certain product).

WooCommerce is the recommended billing method, as solution includes multiple WooCommerce integrations.  WooCommerce supports multiple billing sites as free and premium payment extensions:

  • PayPal (Standard, Checkout) – also see PayPal Acceptable Use Policy
  • Stripe (CC, Apple Pay, Google Pay, SEPA, Bancontact, Sofort, Giropay, EPS, iDeal, Przelewy24, Alipay, Multibanco)
  • Square (CC U.S, Canada, Australia, Japan and the UK)
  • CoinBase (bitcoin, ethereum, altcoins)
  • Amazon Pay
  • PayFast
  • Venmo
  • Authorize.Net (adult)
  • CCBill (adult)
  • eWay (SG, MY, HK, AU, NZ)
  • Klarna (now, later, slice)
  • SagePay (UK)
  • WorldPay
  • PayPal Pro, Advanced (Payflow)
  • Elavon
  • Moneris
  • FirstData
  • Payson
  • Pin Payments AU
  • 2 Checkout
  • SnapScan SA
  • Alipay CN
  • PayU TK

➕ WooCommerce requires processing of orders. Use a plugin like Autocomplete WooCommerce Orders to automatically do Processing to Completed, for digital purchases that don’t involve delivery.

➕  With MicroPayments plugin, you can setup custom token packages as WooCommerce products. When buying the product, user gets the custom amount of tokens. This enables custom exchange ratios, volume discounts, other offers.

WooCommerce Gateways: PayPal, CCBill, Stripe

WooCommerce Gateways: PayPal, CCBill, Stripe

MyCred Billing Gateways

MyCred includes support for these buyCRED billing gateways:

  • PayPal – account or credit card
  • Skrill (Moneybookers) – credit card
  • NETbilling – credit card, adult
  • Zombaio – credit card, adult (requires older MyCred 1.8.8 or reactivation)
  • BitPay  – bitcoins
  • Bank Transfer – bank account
MyCred Payment Gateways: Paypal, BitPay, NetBilling, Skrill - MoneyBookers

MyCred Payment Gateways: Paypal, BitPay, NetBilling, Skrill – MoneyBookers

Additional payment modules are available as extra payment gateways:

  • 2CO Checkout – credit card
  • ComproPago – in Mexico
  • CoinBase – cryptocurrencies
  • CoinPayments – cryptocurrencies
  • PayFast – in South Africa
  • Paymentwall – virtual currency
  • Pay.nl – in Netherlands
  • Payza – account, credit card, cryptocurrencies
  • Robokassa – in Russia
  • Stripe – buy & subscribe credit card
  • WePay – credit card
  • ZarinPan – in Iran

Adult / Sexually Oriented & High Risk Content Sites Require Special Billing / Payment Gateways

Adult sites are considered high risk for processing, similar to sites that involve nutraceuticals, firearms, CBD.
Depending on your site theme, you should register with a billing site suitable for your content niche.
You will need to review processor site first, confirm with their support, to prevent getting your account frozen or terminated because of selling content that is not permitted by their terms. Most processors don’t accept high risk content: your adult site should use payment processors that explicitly allow high risk adult content. Sample high risk processing plugins:

* WooCommerce gateways (recommended) are supported with the TeraWallet plugin and MicroPayments plugin (internal) as Token Packages. As WooCommerce requires processing of orders, use a plugin like Autocomplete WooCommerce Orders to automatically do Processing to Completed .
* VideoWhisper provides technical solutions (not content) and does not have direct experience with high risk processors. You will need to perform due diligence for the additional services you will use, specific to your business, beyond the scope of this technical solution. 

Q: What about Paypal? Paypal is supported both by MyCred & TeraWallet but their policy does not allow specific types of content including sexually oriented goods and services.
Paypal does not ussually accept adult related content. Also see PayPal Acceptable Use Policy.
Receiving payments for such sites against their policy can result in your account being frozen or terminated.
PayPal is usually configured for testing (sandbox) with MyCred, to avoid getting the Paypal account suspended if site does not meet their policy

Category of billing required depends on each site’s content and policies. This solution can be used for projects in all categories as it provides features, not content.
Payment processing card associations define some online business types and industries as risky. Main reasons can refer to merchants’ ratio (both real and anticipated) of chargebacks, merchandise returns or your payment processing history. Types of content that may be considered high risk: adult content, dating, online gaming, prepaid phone cards, money transfer, forex, crypto exchange, travel, nutraceuticals, health and wellness products.

Adult and other high risk related sites should also support cryptocurrency gateways for clients that want more privacy. Options can include most used cryptocurrencies like bitcoin, ethereum, xrp, bitcoin cash, litecoin, binance coin, eos, monero, stellar, tron, cardano, dash, neo, iota. These payments can be handled with 3rd party automated processors or manually by setting up wallets for P2P transfers.

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