The payment problem of erotic consumers
From an international perspective, the credit card has been the most popular means of payment to date. In the USA and many other countries, it is used on a daily basis to pay for goods and services. Almost every 16-year-old there has a credit card in his or her pocket.
In Germany, the banks have agreed on SEPA direct debit as the main means of payment. As a result, credit card acceptance in most national stores and online stores is comparatively low. After all, various payment service providers such as PayPal or SOFORTüberweisung make up the gap somewhat.
But when it comes to paying for porn sites, the German Internet surfer is faced with the question:„Where can I get a cheap and discreet credit card?„Unfortunately, Paypal and its ilk have a problem with erotica.
If you apply for a credit card in Germany via your bank, you have to be over 18 years old and have a clean credit history. If you have a low income, current loans or are unemployed or self-employed, credit card applications are often rejected. In addition, credit cards are entered in the Schufa database and worsen the credit rating.
On this subject, it is also worth mentioning the problem that many erotic consumers are concerned about a certain discretion regarding their life partner or family members. They do not want explosive payments to appear on bank statements or credit card statements.
Also not unimportant: there are some „black sheep“ in the erotic scene who conceal the fact that the customer takes out a monthly subscription. The checking or credit card account is debited monthly with payments (rebilling), which one often notices too late and means trouble when it comes to chargebacks.
The solution is simple: a prepaid credit card!
The agony of choice: Which credit card is recommendable?
There is an unmanageable offer of credit card providers. All promise to be the cheapest and most reputable. Besides the German banks, most credit card issuers are located in Gibraltar or Great Britain. Some credit cards are actually cheap, others are riddled with hidden fees and others are downright rip-offs.
Our personal recommendations are the PAYANGO VISA card, the Kalixa Prepaid MasterCard, the Moneybookers Mastercard and for ADAC members: the ADAC ClubmobilCard. It is better to keep your hands off the Gibraltar cards because of the non-transparent fees!
Here are the advantages of prepaid credit cards:
Discretion towards family members:
All four cards offer absolute discretion, since at most the cover letter with the credit card and the card pin end up in the mailbox. The monthly account statements are sent discreetly by e‑mail or can only be downloaded from the card’s customer area.
The credit cards appear neither in the Schufa, nor in other credit agencies.
If you are a member of ADAC, your wife will certainly not find out that you charge XXX pages with your card 😉
Protection against rip-offs:
The risk of uncontrolled subscription debits is significantly reduced, because you only load a certain amount on the card. So you don’t have a high credit limit, where rip-off merchants can help themselves uninhibitedly.
Anonymous top-up options:
All four credit cards can be topped up anonymously. Either you do it at a bank of your choice by cash deposit (Postbank is highly recommended for cash transfer!) or buy for Kalixa and Moneybookers at the gas station credit cards (vouchers), whose code you rub freely and enter in the customer area of the credit card.
Liability for credit card misuse:
Even though the CVC number on the back of the credit card rules out misuse by credit card generators, in the case of the Payango and ADAC ClubmobilKarte VISA is liable in the event of credit card fraud.
International acceptance:
For the four recommended credit cards, we are not aware of any problems with the card not being accepted.
In summary, every German sex site surfer is advised to get a rechargeable credit card.
The fees are in the range of classic credit cards and sometimes even lower. The cost control and anonymity help considerably to escape problems and stupid questions. Unemployed, self-employed and people with irregular or low incomes can also finally enjoy visiting foreign porn sites.