Top 10 Best Payment Methods - When you’re just starting out or looking to expand your trade in the used panties and adult accessories market, it’s really important to establish how you want to get paid from buyers.
Buyers and sellers will have the following typical questions when reviewing payments methods that they’d use/accept:
- Which currencies do the payment methods support?
- Am I allowed to use this payment method in the UK / US / Worldwide?
- Is these payment methods adult-friendly, what are their terms on this?
- Does the payment method allow you to be anonymous?
- Can the buyer charge back on the payment method?
You will need to understand the terms and conditions of the payment method.
When making payments via the internet or by mobile, first of all, your privacy and security are very important. It’s also important to consider the fees involved with using a particular payment method, as this will come out of your used panty profits.
Giving out your personal information such as real name and address to buyers is not the recommended approach for obvious reasons, so consider this below when reviewing the best panty-selling payment methods.
We’ve found that desp*te the size of the adult industry, some payment platforms haven’t adapted or don’t wish to support the adult industry. We strongly recommend that you check the terms and conditions, policies, and contracts you agree to or make with each payment provider, to ensure you are minimizing your own risk. To limit any possibility of losing your money, withdrawing funds immediately after receiving them is always a good idea.
Here is a list of the top 10 payment methods that are usually used by panty sellers, who are living in the UK, US or elsewhere. It is always advisable to research your own and you should also choose which option is in line with your personal needs.
Panty Selling Payment Options
One of the most straightforward ways to instantly get paid anonymously is with CashApp. You can download the app on the Apple App Store or Google Play Store and set up an account with a username, and then add the debit card or bank information.
This popular mobile app allows you to instantly transfer and receive money. It was previously called Square Cash and was developed by Square, Inc. Keeping data and money safe, Cash App uses state-of-the-art encryption and fraud detection techniques. Cash App can immediately divide the money between many recipients with a simple swipe, and sending money with a Cash App is free.
You are now able to transfer or request Cash App payments to friends inside the UK. When you make a transfer outside of the USA the Cash App will convert the amount to GBP instead of USD according to the exchange rate of the Middle Market and the recipient will receive the money in GBP.
Currencies: £ (GBP) & $ (USD)
Countries: UK & USA
Adult Friendly: Yes
Anonymous: Yes - only sharing your CashApp username with the other person
Chargeback: The sender can request a refund, but the recipient has to approve it
Fees: Free to receive and standard free withdrawal takes up to 3 days, using a credit card adds 3% to a transaction so sending $100 becomes $103 and if you need an instant withdrawal you’ll pay 1.5%.
Amazon Gift Cards are a very common option as a payment method because many buyers already have information about credit/debit cards saved on the Amazon website. After a gift voucher is sent it’s delivered to the recipient within a few minutes normally, so it can be redeemed and spent on anything on Amazon very quickly.
Amazon Gift Vouchers can be purchased and used worldwide, but on one condition the gift voucher must be purchased and used on the same Amazon website (e.g. amazon.co.uk for GBP and amazon.com for USD).
Currencies: £ (GBP), $ (USD) & other Amazon supported countries
Countries: All countries that have Amazon
Adult Friendly: Yes
Anonymous: Yes - only sharing your username/alias when sending, and sharing your email address to receive it (you can receive on any email address, and redeem to a different Amazon account later).
Chargeback: This is not usually possible unless in the rare event it’s been escalated to Amazon’s customer service as fraud. You can redeem the voucher straight away to reduce your risk.
Fees: No fees to send or redeem.
BACS (Bankers Automated Clearing Service), is a bank transfer payment, from your existing bank account. This is typically done from the UK to the UK account, but international bank transfers are becoming easier now but usually incur additional fees.
This payment methods usually allows funds to be transferred almost immediately to the recipient and can be spent easily using your debit card or kept in your account ready for your next bill payment.
Currencies: £ (GBP) - other currencies may be supported by your banking provider
Countries: UK, other countries may be supported by your banking provider
Adult Friendly: Yes
Anonymous: Not entirely - typically now due to increased fraud checks the sender will be able to see the recipient's account holder's name, to help reduce fraud of sending to the wrong person.
Chargeback: BAC’s chargebacks are not usually possible and extremely rare due to the fraud checks the banks ask you before sending.
Fees: No fees to send or redeem (unless your bank charges you).
DesireMe is an upcoming adult focus alternative to OnlyFans. It’s so quick and easy to use for both our adult content creators (the desired) and followers (the desirer). It was created by the same team that brought you Kinkie, so the websites go hand in hand.
When you create an account on DesireMe, you will need to ensure you've added your payment card to your DesireMe account first under your account settings (the cards tab), then you can follow a user to see their content, access their chat as a paying user and you can also send tips within the DesireMe chat system for your extra purchases like used panties from Kinkie. To withdraw your funds as the desired model, you need to ensure you have added your bank account details and then you can request a withdrawal.
Currencies: £ (GBP)
Countries: UK, other countries are supported for withdrawals via wise.com transfers
Adult Friendly: Yes - 100% adult-friendly
Anonymous: Yes - completely anonymous, only sharing your DesireMe username.
Chargeback: DesireMe chargebacks are rare, as they will show as desire.me on the payment card statement. But if it happens we’ll fight the chargeback on your behalf.
Fees: no charges to pay, even on a credit card. The recipient pays 15% commission, you keep 85%. Minimum withdrawal £20, less than £100 withdrawal incurs a £3 admin charge. All withdrawals are processed within 24 hours, if not sooner.
Over 300 million people and companies around the world make use of PayPal to make payments as well as to receive money and purchase items online, making this payment option very attractive and easy to get started with.
However be aware PayPal is very direct about suspending and closing accounts used for adult purchases, they will also keep any funds left in the account at the time of suspension/closure. This is because selling used adult items or explicit material goes against the acceptable use policy that you agree to when using PayPal.
Another thing to consider is when the buyer reports the transaction to PayPal in the event they are not satisfied, PayPal usually takes the buyer's side and they claim the money back from you to refund the buyer.
Currencies: £ (GBP), $ (USD), € (EUR) and many others around the world
Countries: UK, USA, Europe and many others around the world
Adult Friendly: No - your account could be suspended/closed and funds were frozen.
Anonymous: No - your PayPal account name and email address can be shared.
Chargeback: Yes buyers can easily put a case against you, and they usually win or highlight that your account is not compliant with their acceptable usage policy. If money is sent via the “friends or family payment option” then there’s no ability to chargeback.
Fees: 2.9% + fixed fee (~ £0.30 GBP) per transaction, no charge if sent as “friends or family payment”
It (aka. Google Wallet) is a very popular transfer payment platform used in the United States since the user can pay directly to another user for free. You can download the Google Pay app from the Apple App Store or Google Play Store, then create an account, then after you need to verify your bank account details. Then you can send money via the friends and family send option.
Currencies: $ (USD) only at this time for the user to user payments
Countries: USA
Adult Friendly: No - but still considered low risk unless receiving high amounts
Anonymous: Partially - you will need to share the email address or mobile number a**ociated with your Google Pay account.
Chargeback: Not likely, but not impossible, users could chargeback via their card issuer through the normal means.
Fees: No fee using the friends or family option.
These payment methods are also popular in the USA. Venmo is a completely free app-based payment service online which allows people to transfer funds through the app, and then transfer them from their bank accounts whenever they want.
To be paid by Venmo you must download the app from the Apple App Store or Google Play Store, sign up for an account, and then add your card or bank details. Users who have a Venmo account are able to transfer money to you through the app. Additionally, you are able to withdraw money directly to your bank account however, it could take several days.
Currencies: $ (USD)
Countries: USA
Adult Friendly: No - but still considered low risk unless receiving high amounts
Anonymous: Partially - you will need to share the email address or mobile number a**ociated with your Venmo account.
Chargeback: Not likely, but not impossible, users could chargeback via their card issuer through the normal means.
Fees: No fee unless using a credit card, or requiring instant withdrawal to your bank account.
Bitcoin is a type of cryptocurrency. It is highly recommended, anonymous, usually instant, and one of the safer options for adult sellers to receive. Be scam aware though, sellers do not need to send cryptocurrency in order to get paid!
Bitcoin is like an online cache, or internet money, which you can spend online. You must first register for a wallet, which you can do on the bitcoin website, and then buy some bitcoin with your regular money.
Your funds can not be seized or blocked by the government, it is adult industry-friendly, the technology has no charge, you’d only pay exchange fees to convert it back to regular currency such as £ (GBP) or $ (USD).
Don't know how to use Bitcoin? That's okay! Here's how to get started.
Currencies: $ (USD), £ (GBP), € (EUR) and more if using an exchange such as Binance
Countries: USA, UK, Europe, and Worldwide
Adult Friendly: Yes - not bound by any terms
Anonymous: Yes - not linked to any personal information, just a wallet ID number
Chargeback: Not possible, bitcoin or other cryptocurrencies do not allow chargebacks.
Fees: No fees directly other than those charged by your exchange, to purchase/withdraw/send cryptocurrencies.
GiftRocket is a company and website that lets you send and receive online gift cards and other e-gifts. It takes for 2-6 days, high end is especially prevalent during the holidays or weekends.
Sellers do redeem online with the option to get money in their bank account, or if they prefer a gift card for a popular buyer. This is an option for those in the US only
Giftrocket Gift & funds will expire after 3 years of the purchase date. Gifts are not connected in any way to any other account.
Currencies: $ (USD)
Countries: Only in the US
Adult Friendly: Yes
Anonymous: The transfer of gifts will be sent through e-mail and can also be reached through the website.
Chargeback: It is easy to use and the receiver does not need to sign up on any payment platform.
Fees: $2 fee plus 5% of the gift amount & payments.
Worldwide, there are many gift vouchers to use for payment transfers. For example in the UK, the seller may like a gift voucher for stores such as Argos, Hsamuels, Pandora.
If you are a seller or a buyer on the Kinkie platform, it can be an easy payment methods to use to exchange goods for credit to spend in another online or physical store.
Be sure to check with the seller first before sending, in case they don’t use that store.
Currencies: $ (USD), £ (GBP), € (EUR) depending on the gift voucher store.
Countries: USA, UK, Europe, even Worldwide, depending on the gift voucher store.
Adult Friendly: Yes
Anonymous: Usually yes - as normally you’d only be sharing your username/alias when sending, and sharing your email address to receive it (use a private email for selling, not your personal email account to protect your ident*ty).
Chargeback: This is not usually possible unless in the rare event it’s been escalated to the store's customer service team as fraud. You can redeem the voucher straight away to reduce your risk.
Fees: No fees to send or redeem normally, depending on the store.
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