I've had some pretty in depth conversations with pretty senior people at both Paycom and CCBill.

I think that both companies are pretty conservative in everything they do, and honestly, for a processor to survive in this business environment, I think that's really the only way to be. While you'll see webmasters here bitching from time to time about the scrub or the decline rate or whatever, I am thankful that they have the staff and the knowledge to spot the sort of risky transactions that would be likely to cause chargebacks.

It's always possible that something will happen that will dramatically alter the landscape (Visa US decides to stop processing for adult, for example) but this industry has proven itself to be pretty resilient, and the money involved is so huge and the demand for the product so large that I would guess that anything that happens, someone will come up with a creative solution to make it work.

Who knows? Maybe if the Dems hadn't recaptured Congress, two years down the road we'd be processing in units of pork bellies instead of dollars, and the payment clearance house would be the commodities market instead of Visa. I never cease to be amazed with the creativity that comes out of people in the adult industry, and I suspect that one way or another, there will always be a solution. But forewarned is forearmed, and so having multiple processors, and multiple payment *methods* (not just Visa/Mastercard and not just US-based processors) is definitely a wise move to protect your revenue streams.