Preferred Payment cash/App/transfer method?

[jackcali]

12 hours ago, ChrisTravel said:

Cash, then Venmo as you can avoid using your name, something that is no longer possible on the Cash App.

I am considering using alternative payment methods like virtual cards, crypto currency (stable coin, bitcoin, privacy coins), but I am not sure how widespread these options are among providers.

Can I ask why you're considering these alternative payment methods if you're regularly using cash?  I imagine if you're paying an escort for a week-long engagement, the cash may get a little burdensome, but apart from that I don't see any advantages of your other methods over cash.  Thanks.  

Edited December 31, 2025 by jackcali

[ChrisTravel]

9 hours ago, jackcali said:

Can I ask why you're considering these alternative payment methods if you're regularly using cash?  I imagine if you're paying an escort for a week-long engagement, the cash may get a little burdensome, but apart from that I don't see any advantages of your other methods over cash.  Thanks.  

It is for a couple of reasons:

• Some providers prefer digital payment methods over cash.
• It is helpful for validated providers in other locations that require advance deposits, or for acquiring potential provider from more informal channels.

[rikkiricardo]

On 12/16/2025 at 11:47 AM, BeamerBikes said:

I miss being downtown with access to the snooty private bank that pretty much still treats you as customer not a suspect.  Out in the suburbs, it did feel unusual ask for acouple grand in hundreds at the Chase branch I visited. Tho now that I look at it, it was over 3k, which at the time was a requirement for the increased reporting. 
 

Add to that Treasury Department is now asking banks to report patterns of behavior for cash withdrawals / deposits routinely over 1k.  Lowering the Currency Transaction Report threshold from $10k to $1k.  I suspect they’re likely to snag both providers and clients.  That rule change came out in Aug 2025.  

The Currency Transaction Report change to $1000 only applies to "money services businesses," which do not include traditional banks or credit unions and it only applies to those businesses in certain zip codes near the Mexican border (I think California and Arizona border principally).

[+ JamesB]

49 minutes ago, rikkiricardo said:

The Currency Transaction Report change to $1000 only applies to "money services businesses," which do not include traditional banks or credit unions and it only applies to those businesses in certain zip codes near the Mexican border (I think California and Arizona border principally).

Agree 100%.

The Currency Transaction Report (CTR) threshold is still $10,000 nationwide for banks and other financial institutions. What does exist are limited Geographic Targeting Orders (GTOs) issued by FinCEN, but those apply only to specific counties and ZIP codes in Arizona, California, and Texas, and only affect Money Services Businesses. The current order is temporary and remains in effect through March 6, 2026.

Interestingly, there is now a debate in Congress about raising the threshold, not lowering it. The $10,000 limit was set in 1972 and has never been updated for inflation. A bipartisan bill proposed in late 2025, known as the STREAMLINE Act, would increase the CTR threshold from $10,000 to $30,000, index it to inflation every five years, and adjust certain SAR thresholds.

[MarkBottom2025]

On 12/18/2025 at 4:05 AM, SecretProvider said:

as a provider: I prefer cash.  There are always ATMs and banks around.

The alternative that I offer is cashapp, which is complete anonymous and you can put any name on it, or Venmo which I was able to set up with my work alias. 

All three of these methods provide discretion for me and for my clients. 

Zelle, PayPal, Apple Pay - it all shows full names, and I don't want your name on my bank statement and visa versa. 

As an escort I prefer cash too.  Besides privacy, I have heard in some of the apps the payer can cancel the transaction, basically ripping u off.

[SecretProvider]

8 hours ago, MarkBottom2025 said:

As an escort I prefer cash too.  Besides privacy, I have heard in some of the apps the payer can cancel the transaction, basically ripping u off.

yeah I have had friends have charges reversed on the apps after the booking was done. I am lucky that that has not yet happened to me.