After the flap about PayPal being anti-gun I decided to put renewed effort into dumping them for doing Boomershoot and Modern Ballistics credit card transactions then tell them why. The problem was finding a good alternative.
I can't find the email or comment that recommended them but someone suggested I try a particular bank. It didn't work out. Here is what their policy says:
NO ADULT SITES OR MATERIAL
The Merchant agrees that CartSquare's services will only be used for lawful purposes. Furthermore, Merchant agrees not use CartSquare products, online shopping carts, or services provided through or in connection with CartSquare to
...
d. sell, distribute, disseminate or link to any sites for marketing, sales or distribution of: adult materials, firearms, explosives, ammunition, liquor, tobacco products, food that is not packaged or does not comply with all applicable laws for sale to consumers by commercial merchants, pharmaceuticals and controlled substances, counterfeit, pirated or stolen goods, any goods or services that infringe or otherwise violate a third party's rights, registered or unregistered securities, goods or services that (i) you cannot legally sell, (ii) are misrepresented, and/or (iii) if sold via CartSquare or Your Web Site would cause CartSquare to violate any law, statute or regulation;
That's right. I wouldn't be able to even link to a site that marketed or sold firearms, explosives, or ammunition. In their minds that is in the same as category as "controlled substances, counterfeit, pirated or stolen goods, any goods or services that infringe or otherwise violate a third party rights".
What about the people that want to exercise their specific enumerated right to keep and bear arms?
I wrote them an email asking abou their policy:
From: Joe Huffman
Sent: Friday, July 31, 2009 8:25 AM
To: 'support@nmbancard.com'
Subject: Question about agreement terms.
In the terms of agreement (https://www.cartsquare.net/administration/uplinks.php3 ) I found the following:
Furthermore, Merchant agrees not use CartSquare products, online shopping carts, or services provided through or in connection with CartSquare to
…
d. sell, distribute, disseminate or link to any sites for marketing, sales or distribution of: adult materials, firearms, explosives, ammunition, liquor, tobacco products, food that is not packaged or does not comply with all applicable laws for sale to consumers by commercial merchants, pharmaceuticals and controlled substances, counterfeit, pirated or stolen goods, any goods or services that infringe or otherwise violate a third party's rights, registered or unregistered securities, goods or services that (i) you cannot legally sell, (ii) are misrepresented, and/or (iii) if sold via CartSquare or Your Web Site would cause CartSquare to violate any law, statute or regulation;
My business is a long range precision rifle event with explosives as the targets (http://www.boomershoot.org/). I have an ATF license to manufacture high explosives. I could, but do not, legally sell explosives. I sell people the opportunity to shoot at the explosives I make. I do link to firearms, ammunition, and explosives vendors who legally sell their products. Do you consider this a violation of your agreement?
If so then I will have to find a different bankcard vendor who is more tolerant of people exercising their specific enumerated right to keep and bear arms.
Please let me know.
Joe Huffman
208-301-4254
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http://blog.joehuffman.org/
http://www.boomershoot.org/
http://www.modernballistics.com/
Their reply:
From: Merchant Support
Sent: Friday, July 31, 2009 12:28 PM
To: joeh@boomershoot.org
Subject: Your Merchant Account Application
Hello Joe Huffman,
According to Visa/MasterCard, your business is considered a High Risk Business After reviewing your application we can not continue processing your application through Cardservice International. However, we have found you another company that can approve your application. Please click on this link below or copy and paste the link into your browser exactly how you see it to qualify for our special offer.
http://www.durangomerchantservices.com/Applications/apply_for_free.php?agentid=rwolf@ecommercemg.com
The rates are slightly different, however this could be the solution that you are looking for.
Thank you,
Merchant Account Support
support@merchantlane.com
Phone: 1-866-295-5264
Merchant accounts have fees that typically are on the order of $50/month whether you have any business or not. Boomershoot has essentially zero sales 11 months out of the year and Modern Ballistics is shareware and only gets a donation about once every couple of months. Plus the contract terms typically demand third party audits and intrusions rivaling that of a colonoscopy (been there, done that, don't want to do it again).
Chet, a friend from work, suggested I look at Amazon's Simple Pay.
It looks as if my businesses just skate by their acceptable use policies but not my friends selling ammunition or a gun raffle for charity (although this might work for charities):
Prohibited Items and Activities:
...
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Firearms and Weapons - includes ammunition, guns, rifles, shotguns, pistols, other firearms, knives (automatic, spring-loaded knives, throwing, etc.), brass knuckles, or other weapons.
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Gambling Businesses - includes online gambling (including poker), lotteries (including sale of lottery tickets), games of chance (including sweepstakes and raffles), sports forecasting, or odds-making.
Chet also suggested Yahoo! but from what I could tell they require PayPal, a Merchant account, or $40/month whether you have any sales or not.
I'm going to spend some more time on the Amazon site and maybe convert over to them from PayPal.