Use Credit Card?

[Mac Star]

Does anyone here use credit cards in dealing with escorts or escort agencies?

 

It would be very convenient to use a credit card rather than having to carry cash to an encounter with an escort, but cash is neater in that it leaves less of a paper trail.

 

Have you ever had a problem, or qualms? Are there agencies you trust and other agencies you don't?

 

Insights?

[KY_TOP]

I have scheduled to meet an Escort thru an Agency next week. I did not ask to use a Credit Card but when they Quoted the Rates, they charged $30 more per hour if you used a Credit Card. They are also bound to have to keep Credit Card records for a period of time.

 

Think I will stick with Cash and us the $30 toward the tip if the guy is any good.

[Guest manreadyokc]

I've never used a credit card even with an agency . . . they've always stated that the escort would collect the "hourly" fee up front in cash as an alternative, and that's exactly what has happened.

 

I've never asked an independent escort if he would accept a credit card as payment and I've never had anyone demand any kind of credit card or other payment directly to him in advance. I've paid for plane tickets, hotel deposits, etc., of course, but never directly to him. If I encountered a guy that wanted some sort of payment in advance, credit card or other means, I would be looking elsewhere.

 

I always pay in cash and I always have the money in plain sight from the beginning of the encounter . . . particularly if it's the first time I've seen this escort. I've never even been aware that any of the guys I've been with have ever noticed . . . maybe I've been lucky, naive, stupid . . . I don't know, but I've sure had a lot of fun!

[AaronScottDC]

>Does anyone here use credit cards in dealing with escorts or

>escort agencies?

 

I know I certainly wouldn't use a credit card if I were you. And, as an escort, I don't accept them - too much of a hassle for my tastes.

 

 

Aaron Scott DC

http://www.erados.com/AaronScottDC

http://www.male4malescorts.com/reviews/aaronscottdc.html

[Doc]

I believe that credit card companies charge a percentage against total charges. I think the charges can be as much as 10%.

[JamesK840]

My understanding is that it's closer to 2-3%, and Amex charges more then Visa/MC which is a part of why fewer places take it.

 

The real problem with accepting credit card payment for sex is probably chargebacks. If I dispute a charge on my card the merchant has to do backflips to keep Visa from deducting the amount from that merchant's next check.

 

What services will the merchant say they probvided, how will they prove they provided the service? If they get an impression of the card and a good signature they may be able to keep the money, but if they start to get a lot of chargebacks they may be dropped entirely by the credit card companies.

 

Personally, I'm glad it's not an easy thing to get on credit, I'd never be able to pay it off! :9

[+ Charlie]

There was a long thread on this subject a while ago. Although I normally use cash, I have used a credit card occasionally with Premier, and have never had a problem. Each time it was because I found that I didn't have enough cash with me. Once it was because a one hour appointment turned into two hours, and once I miscounted the cash I took with me and was short--I was amazed when the escort whipped out a portable credit card machine, even though he had been told I would pay with cash, which probably shows it happens more often than one might expect.

[FrancoDiSantisxxx]

Charge Backs

 

>The real problem with accepting credit card payment for sex is

>probably chargebacks. If I dispute a charge on my card the

>merchant has to do backflips to keep Visa from deducting the

>amount from that merchant's next check.

>

>What services will the merchant say they probvided, how will

>they prove they provided the service? If they get an

>impression of the card and a good signature they may be able

>to keep the money, but if they start to get a lot of

>chargebacks they may be dropped entirely by the credit card

>companies.

 

Actually, a service provider (let us use a hotel as an example) furnished a service (a room) that was less than satisfactory to the customer (you) but you waited until the next morning to complain. If the card was electronically read (more typical than a mere impression, but an impression will also suffice for this example), the sheer physical evidence of the card, unless it is reported lost or stolen in close proximity, the merchant would have sufficient "proof" - like wise with a signature.

 

At this point, the client's recourse would be to attempt to negotiate with the vendor and most banks will require proof (correspondence, etc.) before they will escalate a dispute to the point of withdrawing funds from a client.

 

When I recently dispute a re-occuring charge from the gym I quit, I provided my bank with a clear copy of the form signed by the manager showing they had collected my last month's due directly from me and no further charges should have happened. I also provided them with a letter, rather than their form, which stated all the documentation I provided to them in photocopy forms were "true and correct copies" of the originals. The bank promptly refunded my money while the dispute was investigated.

 

There are several web sites which discuss how to do this from both the vendor/merchant perspective as well as the customer point of view.

 

You are, none the less, correct. If a merchant showed many positive chargebacks, the bank would be likely to drop them as it costs the bank money to investigate these charges and process the paperwork.

[FrancoDiSantisxxx]

Paper or Plastic

 

>I know I certainly wouldn't use a credit card if I were you.

>And, as an escort, I don't accept them - too much of a hassle

>for my tastes.

 

There are a number of escorts who use paypal. The actual charge can occur when the session ends (if there is a previously established escort/client relationship), or can be arranged for in advance. How would the escort prove the service was furnished? Most likely the same way someone selling a doll on E-Bay would prove she shipped it to someone else who then attempted to stop payment on the paypal credit card charge. E-mails to and from the client setting up the payment, a thank you e-mail sent the same afternoon thanking them for the visit, asking the client for the security number on the back of the card at the time of the appointment being made, etc.

 

However, I do agree with Aaron; this can be a hassle and some escorts may not permit or persue this option. When clients have insisted, I have offered the alternative that they pay via Western Union, however the escorts legal name must then be provided. The other alternative I have also used, which solves the problem from a client's perspective of how this appears on your credit card statements, is gift certificates.

 

I recently moved and have required a lot of stuff. I also always grocery shop. Several clients have paid me in either "gift cards" from one of my favorite grocery stores or in gift cards or gift certificates from stores such as Bed, Bath & Beyond, or Home Depot. I have also had some out of town clients pay me in refundable, reuseable plane tickets IN MY NAME, however these are long standing, repeat clients.

 

With some creativity, you and your escort can find a solution that works for both of you. He needs tires on his car, for example....

[JamesK840]

RE: Charge Backs

 

I mentioned impressions because it didn't seem too likely an escort would be carrying means to do a swipe... Now that I think of it though, they probably wouldn't be carrying means to do an impression either (you can make one by holding most receipts over a card and rubbing with the side of a pen, but if they simply have an on-line or pay pal account they wouldn't have that kind of receipt). Getting the CCV2 # off the back is a good idea.

 

I don't quite get what you're saying about emails and services provided... a check for an illegal activity (I think even for some activities that are sometimes legal, like gambling) is void. Even if that isn't quite the case with credit cards, I don't think sending a bank anything but the tamest massage emails would be a good option, if only in the interest of discretion.

 

I'd think the other big problem for the escort would be the IRS-discoverable paper trail of regular income. Yes, you can (are required to, in fact) report even illegal income (you don't have to spell out it was illegal, obv.), but I really doubt most escorts do... Even with all cash business a smart escort would be weary of making too much use of a bank. The interest reports could pique the IRS's curiosity, the movement of an amount of $10K or more is reported, etc... Not so bad if you have another, 'legit' source of income, but if you're reporting almost no income year after year...

[ted]

I know one escort who accepts credit cards. I only use the option for multiple day trips when the fee is more than I comfortably wish to handle in cash. I have known him for many years, know his real name and have even been to his house. I trust him completely. I would not use a credit card even if available for first time encounters.

[Guest alanm]

I have used American Express many times with Premier and never had a problem. I believe it appears on the monthly bill as messenger service. Creative thinking there.

 

Over the years, I have seen many posts about leaving the money in plain sight for a first call with an escort. I have never done that or encountered an escort who wanted to be paid first. I am beginning to think that leaving the money in sight is one of those myths about escorting that has little basis in present day escorting.

[ServeUncutUncle]

Latest Hi-Tech Gizmo.

 

I had a furniture delivery the other day and the delivery driver swiped my Card on a new cellphone linked authoriser.

 

Immediate billing and 100% authorization, I suspect it will not be to long before smaller models are available, this was rather bulky as it has also to carry paper for you to sign.

 

Maybe I shuld have called this a Ho-Tech Gizzmo.

 

Unc

[LovesYng]

On a recent business trip out of town I was a little short on cash. I called the Agency up that I use and asked about CC. They told me no problem since I'm a good customer in standing:D He even told me how that would show up on my CC bill and I was cool with that. Since I trusted him I gave him all the information that he asked for. As one poster said in here that he was charge more for using CC, that did not happen with me;)

 

I'll always try to have the cash because I'm not that happy about using the CC but always good to know that I can if need be :7

 

When in doubt I whip it out:+

[AaronScottDC]

>When in doubt I whip it out:+

 

Gee, LovesYoung, I didn't know that your tag line refered to credit cards!! :9 }(

 

Aaron Scott DC

http://www.erados.com/AaronScottDC

http://www.male4malescorts.com/reviews/aaronscottdc.html

[LovesYng]

>>When in doubt I whip it out:+

>

>Gee, LovesYoung, I didn't know that your tag line refered to

>credit cards!! :9 }(

>

>Aaron Scott DC

>http://www.erados.com/AaronScottDC

>http://www.male4malescorts.com/reviews/aaronscottdc.html

 

DAMN I never though of that, cool:*

 

When in doubt I whip it out:+

[axebahia]

I have used cards in Amsterdam but only when the bank machines were dowm. Cash is king, or should I say queen!?