opinion

Are Processors Parasites?

The open-source encyclopaedia Wikipedia defines Parasitism thus: "a phenomenon in which two organisms which are phylogenetically unrelated co-exist over a prolonged period of time, usually their entire life."

Whilst the above definition is usually applied in the context of the animal kingdom, parallels can be drawn when observing the relationship that exists between web content owners and billing companies: one cannot exist without the other.

In fact, the space in which the two operate could hardly be more different. But the best adult site ever created would be a commercial disaster if it did not offer an efficient billing mechanism to convert surfers into paying customers.

Likewise, the best processor known to man would quickly perish if compelling content was not available as a result of using its services.

With this in mind, it is imperative that the two parties work together to explore ways to make the most from their marriage. An example of this is are the geo-IP pages in 37 languages that Password-By-Phone creates free of charge for our clients – after all, if they make more money, so do we.

The rationale behind offering such pages is frighteningly obvious – a surfer from Japan, for example, is far more likely to part with his hard earned Yen if he sees a call-to-action to pay you in Japanese.

As a global phone billing company, we have never viewed credit card processors as "competition" – which is why we offer clients the option of adding a Visa/MasterCard logo to their geo-IP page and posting 'credit card' surfers straight to their credit card processor if required.

The credit card is and remains the best billing mechanism for monthly subscriptions. But phone billing is a great way to offer trials – after all, everyone who has access to the Internet by definition has access to a phone line.

In fact, if you are a content owner, billing polygamy should be positively encouraged: No one payment processor has the ability to focus on all the billing options available, which is why you should cherry-pick the best in their field and offer them all.

Over and above credit card billing, this should include pre-paid billing, taking subscription fees directly from regular checking accounts, SMS billing for trials, and of course global phone billing.

We as a processor are only all too aware that both our, and other billing solutions, are totally redundant without one vital ingredient – great content. Since this an area in which our clients and not us specialize, we are keen to work proactively with them and help them squeeze very last cent from their international traffic with our powerful geo-IP global billing technology.

After all, by the time you have read this far, someone, somewhere in the world has excitedly opened the box of their first PC and is about to go online for the very first time.

Webmasters are sitting on digital content with access to a global audience, not only through the web, but via the mobile Internet also, which can be compared to its fixed cousin back in 1996. Without them, we would have no business model, since they have the vital ingredient needed in order to succeed in e-commerce – traffic.

By the same token, webmasters would quickly go broke if they did not have a billing mechanism to covert their pixels into profits.

The term parasite has always had negative connotations. Perhaps "mutualism," wherein both species benefit from the interaction, is a more apt analogy of this marriage of convenience.

Copyright © 2026 Adnet Media. All Rights Reserved. XBIZ is a trademark of Adnet Media.
Reproduction in whole or in part in any form or medium without express written permission is prohibited.

More Articles

profile

Ricci Levy on Standing Up for the Right to Be Heard

When Ricci Levy speaks about human rights, she does not use detached, academic language. She speaks with urgency, emotion and the kind of passion that immediately makes it clear just how deeply personal this work is for her.

Women In Adult ·
opinion

Lessons From Decades of Building the Adult Internet

After my first year of college, I needed a job. So I did what people did back then: I opened the newspaper and started scanning the classifieds. One listing stood out: “Image Librarian.” I had no idea what that meant, but I applied, and got the job.

Tanguy ·
opinion

How to Build a Cross-Border Payment Strategy

Pull up your analytics and you’ll likely find that international traffic is already on your site. Some of those visitors convert, but a lot more bounced at checkout — and a meaningful chunk tried to pay but were declined.

Jonathan Corona ·
opinion

The KPIs That Keep Payment Processing Humming While You're Away

I always look forward to the summer as my kids are home and I can plan little trips with them to reconnect and have some fun. If you’re like me, however, you probably never go on vacation without your laptop, so you can check in or lurk in the background to make sure all systems remain go.

Cathy Beardsley ·
opinion

What Utah's SB 73 Means for Compliance Requirements

Utah has once again positioned itself at the center of the national battle over online age verification and adult-content regulation.

Corey D. Silverstein ·
profile

Clips4Sale's Christy on Backing Creators and Fueling Growth

Understanding the industry from within goes beyond data. For Christy, Manager of Creator Experience at Clips4Sale, that insight is shaped by front-line conversations and years spent listening not just to trends, but to people.

Women In Adult ·
opinion

Breaking Down AI-Powered Moderation and Platform Safety

Adult platforms, including content sites, cam services and dating apps, consistently face a range of high-risk challenges. These include verifying consent, particularly for user-uploaded content, addressing nonconsensual material such as leaks and so-called revenge porn, and ensuring effective age verification and protection for minors. At the same time, platforms must manage content moderation at scale while addressing payment fraud, scams, harassment and user abuse.

Christoph Hermes ·
opinion

How to Optimize Subscription Billing for Compliance and Stability

The Federal Trade Commission’s “click to cancel” rule is coming back around. Last year, a federal appeals court vacated the FTC’s Negative Option Rule, aimed at addressing deceptive or unfair practices and making it easier for consumers to cancel online subscriptions.

Jonathan Corona ·
opinion

Key Strategies for Streamlining Payment Processing Approval

Why is it taking so long to get my account approved? It's frustrating for everyone involved, but it's all part of the process. Over the past year, timelines have stretched to 60 days or more for merchants to complete onboarding, from internal compliance review to banking partner approval and final card brand registration.

Cathy Beardsley ·
opinion

What to Know About Alabama's Regulatory Push on Adult Content

Over the past two years, Alabama has quietly but aggressively transformed itself into one of the most restrictive and unfriendly jurisdictions for the adult entertainment industry. Through the enactment of House Bill 164 and related enforcement mechanisms, the state has layered taxation, compliance burdens and content restrictions in a way that goes far beyond traditional regulation.

Corey D. Silverstein ·
Show More