Billing Payment Gateways

MicroPayments, Site Tokens/Credits and Billing

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 or access paid content. Tokens can be used for services from different performers and content from different owners, anytime after deposit.

Payments (real money) go into accounts configured by site owner, setup with billing gateways (like Paypal, CCBill, Stripe, Zombaio, 2Checkout, Square). 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 is able to work with 2 credit wallet plugins, each supporting multiple gateways: myCRED  and TeraWallet (WooComerce gateways wallet / WooWallet).

Any or both 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.

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, Room, Membership, Video, Picture

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)
• tips to performers (anytime by clients in room)
• access to paid site content (webcam rooms, videos configurable with myCred Sell Content addon and Paid Membership and Content plugin)
• premium membership (membership roles that can be subscribed with Paid Membership and Content 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 and WooWallet are 3rd party billing plugins that have own providers, developers, premium extensions and support and can be used as necessary.

Payouts / Withdrawals

Webmaster can see balance for all users and adjust as necessary (in example when making payouts to performers manually with a method of choice).

Webmaster can define administrative records, fields to request details from performers including payout method. These administrative records show when approving users and reviewing records is accessible from users list, same as adjusting balance with myCred or WooWallet.

There is 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.

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.

After licensing original solution our 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 Paid Membership & Content plugin that works with MyCred and TeraWallet (WooWallet) WooCommerce credits / tokens system.

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.
• WooCommerce Subscriptions Setup subscription products, content. Leverages Membership plugin to setup membership subscriptionsSetup at least 1 paid role that members get by purchasing membership.

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.

WooCommerce (TeraWallet) Gateways

TeraWallet (WooWallet) supports WooCommerce payment methods with 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)
• Amazon Pay
• PayFast
• Venmo
• Authorize.Net (adult)
• CCBill (adult, 3rd party)
• 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 .

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

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

Depending on your site theme, you should register with a billing site suitable for your content niche. You may need to check with them first, to prevent getting your account frozen or terminated because of selling content that is not permitted by their terms.Most processors don’t accept adult content: site should use payment processors that explicitly allow adult content.

• CCBill plugin for WooCommerce
• Zombaio for MyCred requires older MyCred 1.8.8 or reactivation because MyCred developers disabled high risk payments in recent versions.
• Zombaio for WooCommerce addon is available for extra
• Authorize for WooCommerce addon is available for extra
• CardPay for WooCommerce provides processing for multiple High Risk categories

* WooCommerce gateways are supported with TeraWallet plugin. As WooCommerce requires processing of orders, use a plugin like Autocomplete WooCommerce Orders to automatically do Processing to Completed .

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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