I don't know about now, but I was told while we were looking for membership site processing that for a number of years, Woodforest Bank was claiming (according to several merchant account resellers I spoke with) that their adult membership sites are not high risk, and they were misclassified by Woodforest when they were reported to Visa.

It's possible that they just got nailed by the card association and are now having to bring everything into compliance, or something else is going on, because otherwise, you can bet that CCBill and Epoch, both of whom have close relationships and connections with the cardmember associations, would have told us this if it was applying globally to everyone.

I very highly recommend Victoria at ECSCommerce.com if you're looking for a new merchant account. Back a while ago, we talked to about a dozen people selling merchant accounts, and EVERY ONE of them gave us a load of crap, a million promises, and never delivered... even ones recommended to us on this board. Victoria was the first who took the time to understand our issues, ask the right questions, and was actually able to talk to the underwriters at the merchant processors to find out why we were having problems. (Turned out our domain name for our video sales site was raising red flags.) And she's been in adult for a long time and really knows the marketplace both domestic and offshore. I get nothing from recommending her, just she was the first no-BS person we ran into who really knew her stuff.