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In a letter, state that you were under 18 when you opened the Pay Pal account and that no adult was or is associated with it. Send the letter certified mail, return receipt requested, which you do at your local post office.
According to the Fair Debt Collection Practices Act, a debt collector has 30 days to respond.
For nearly a decade, Pay Pal, JPMorgan Chase, Visa/Master Card, and now Square, have systematically denied or closed accounts of small businesses, artists and independent contractors whose business happens to be about sex.
These payment processing authorities have also coerced websites to cease featuring sexual content under threat of service withdrawal, all while blaming ambiguous rules or pressure from one another.
Please see the bank’s website for the most current version of card offers; and please review our list of best credit cards, or use our Card Match™ tool to find cards matched to your needs. The adult would be legally responsible for any unsatisfied debt, whether the primary owner knew about or approved the transactions, much as a credit card’s primary account holder is responsible for debts incurred by an authorized user.
If the debt collector chooses instead to force the matter with a letter from its lawyers, you’ll still have the opportunity to pay the bill and be done with it.
Therefore, even if they agree to work with your adult business when you submit an application, chances are they’ll get back to you in one to six months after conducting their actual underwriting to inform you that they don’t allow adult related businesses.