SAAFE forum
General Category => Questions and Answers => Topic started by: Girlygirl19 on 29 May 2017, 01:43:33 am
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Does anyone have bad or good experiences with bank transfers a client called and asked to pay by bank transfer but i called the bank and she said if I'm not a company then he can say he gave it in error but i could dispute this also I should think it takeshould upto 2 hours to clear so would need it before I see him.
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Does anyone have bad or good experiences with bank transfers a client called and asked to pay by bank transfer but i called the bank and she said if I'm not a company then he can say he gave it in error but i could dispute this also I should think it takeshould upto 2 hours to clear so would need it before I see him.
I've accepted many payments by transfer, as I understand it is possible to reverse but very difficult. In my case I would be able to show a trail of emails, or text messages and would explain what the amount is for. In other words I would have quite a bit of evidence to show it was probably not an error.
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What was his reason for paying by transfer?
I accept deposits by transfer, payment for movies or webcam shows, and I've also accepted it once when a client wanted to extend but didn't have any cash on him and didn't want to take time out to go to a cashpoint. I've never had a problem with it, but it's always been me who's offered the transfer method. I've never had a client ask for a booking and say they'd pay by transfer in preference to cash.
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Use google wallet.
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Thanks I will look at that x
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Use google wallet.
Would the client see my real name if I use google wallet or bank transfer? Sorry for the stupid question but would like to know :)
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Don't know about Google wallet, but with a bank transfer they wouldn't get your name, but you would see the name on his account when it came through.
Still wondering why he wants to pay like this though. It's certainly not the norm.
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Hey Hun
I have ever done it once and the client wanted to book a over night and he had already done a few hours with me so I trusted him I heard him call the number he called them off my phone and I checked it went in and it was in straight away it went well . But if some one I hadn't seen called up and wanted to a bank transfer I would say no unless it was them extending .
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Don't know about Google wallet, but with a bank transfer they wouldn't get your name, but you would see the name on his account when it came through.
Still wondering why he wants to pay like this though. It's certainly not the norm.
I had two clients doing bank transfers (both without problems). One of them wanted to use an account to which he had no bank card so it was saving him the trip to the bank. The other one wanted to pay an amount which exceeded his daily cash withdrawal limit so again it was saving him the trip to the bank. I don't think it's the sort of thing I would accept by anyone though. I knew both of these guys well.
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Google wallet is completelly discreet. Just make it on your fake email and put there your name as xxx xxx. I think they will see that.
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I've accepted many payments by transfer, as I understand it is possible to reverse but very difficult. In my case I would be able to show a trail of emails, or text messages and would explain what the amount is for. In other words I would have quite a bit of evidence to show it was probably not an error.
Hi, bumping this rather than start a new thread. I'm non the wiser atm and I get very easily confused by this stuff. I've a client wanting to pay an overnight fee, in advance, by bank transfer. He says it makes his cash flow easier. I read the above and I'm thinking what a right royal faf in case of a dispute!
I'm confused as to them being reversible, or not, as well as protecting my anonymity.
Is the provision of my sort code and account number of current account going to risk either if those?
Ta.
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I'm confused as to them being reversible, or not, as well as protecting my anonymity.
Is the provision of my sort code and account number of current account going to risk either if those?
Not unless he works for either of the banks.
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Read my post about Bank Transfers in the Warning section... i will never accept a bank trasnfer after that experience. Use Delivery code.. its anonymoys and escort friendly. They do take a very small percentage in fees but if u want anonymity and avoid getting scammed its worth it.
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Hi, bumping this rather than start a new thread. I'm non the wiser atm and I get very easily confused by this stuff. I've a client wanting to pay an overnight fee, in advance, by bank transfer. He says it makes his cash flow easier. I read the above and I'm thinking what a right royal faf in case of a dispute!
I'm confused as to them being reversible, or not, as well as protecting my anonymity.
Is the provision of my sort code and account number of current account going to risk either if those?
Ta.
Be careful i had a very bad experience with a client who said the same and it was a scam. I posted in the Warnings section. Link below
https://saafe.info/main/warnings-wasters/sophisticated-online-scammer/
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Thanks all.
I’m insisting on cash on the day.
Just not comfy with it at all.
And if I’m not comfy it ain’t happening.
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I take bank transfers from clients I've seen before, and I've never had a problem. I do ensure the money is in the account before they reach my house though.
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I take bank transfers from clients I've seen before, and I've never had a problem. I do ensure the money is in the account before they reach my house though.
This is so important I don't start any booking without having received funds, if sent to my bank I have to see it in my account on my gadget, if Amazon vouchers they have to be applied to my account by me. If this hasn't happened I need cash from the client.
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Bear in mind some strange guys love to get girls personal details for kicks. A sort code can be Googled to what bank that is and where you opened the account. Also make sure your tax return is up to date. Which I’m sure it will be in a lot of our cases. I just find handing over even slightly indentifiable details a no no. Unless it’s a reg client and I know more about him in any case.
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Bear in mind some strange guys love to get girls personal details for kicks. A sort code can be Googled to what bank that is and where you opened the account. Also make sure your tax return is up to date. Which I’m sure it will be in a lot of our cases. I just find handing over even slightly indentifiable details a no no. Unless it’s a reg client and I know more about him in any case.
Please share what has happened to YOU as a result of you giving someone your sort code?
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Yes I've learned to only give bank account details when the person is about to pay the deposit.
Purely on a TW / I need to know what's going on basis. When i provided it upfront quite a few disappeared, or didn't pay for days in the meantime I didn't know if the booking was on, when deposit was arriving etc. I now ask them when they intend making it, and advise until received the booking isn't held. That seems to chivvy along, I also advise to check back with me before sending funds if there's any delay.
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Please share what has happened to YOU as a result of you giving someone your sort code?
I no longer share personal info on this site VC as it’s open to all and not always ladies within the industry. But thanks for your interest once again on one of my posts x
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Please share what has happened to YOU as a result of you giving someone your sort code?
When people used cheques their sort-code was revealed to anyone who handled that cheque - that's what the bank explained to me re providing bank account details.
::) :-\
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When people used cheques their sort-code was revealed to anyone who handled that cheque - that's what the bank explained to me re providing bank account details.
::) :-\
Aww I'm nostalgic for cheques now!
Remember when you used to go into the branch to "cash a cheque" because there were no ATMs...
But again. Your sort code reveals only where you originally opened your bank account. (EG Natwest, London Rd Brighton.) It's hard to see what anyone's gonna get out of that - surely even the most crazed loon of a client isn't going to sit outside your home branch 8 hours a day, 5 days a week on the off chance that you'll pop in?
That said, I do use a secondary account for bank transfers, which is at a branch somewhere I haven't visited for 20 years. But that's more about ringfencing the funds so I can transfer them to my main account quickly in case of attempted chargebacks.
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Aww I'm nostalgic for cheques now!
Remember when you used to go into the branch to "cash a cheque" because there were no ATMs...
But again. Your sort code reveals only where you originally opened your bank account. (EG Natwest, London Rd Brighton.) It's hard to see what anyone's gonna get out of that - surely even the most crazed loon of a client isn't going to sit outside your home branch 8 hours a day, 5 days a week on the off chance that you'll pop in?
That said, I do use a secondary account for bank transfers, which is at a branch somewhere I haven't visited for 20 years. But that's more about ringfencing the funds so I can transfer them to my main account quickly in case of attempted chargebacks.
I have no need to go into the bank I use for deposits, my cash is paid into another account with a different bank.
Also my town doesn't have a branch for the deposit account, and was opened when I lived somewhere else - as many of my accounts are. If someone wants to watch me pay in that's their problem not mine.
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I do use a secondary account for bank transfers, which is at a branch somewhere I haven't visited for 20 years. But that's more about ringfencing the funds so I can transfer them to my main account quickly in case of attempted chargebacks.
This mention of chargebacks is exactly what shits me up over transfers. Please forgive my ignorance but...
My only experience of swapping money from one account to another happens when on holiday with mates and we inevitably end up owing each other. We simply exchange details and yes, names do appear on each other's statements. Once the money leaves our accounts following an online transfer it can be clawed back? Is that what a chargeback is?
Ta
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This mention of chargebacks is exactly what shits me up over transfers. Please forgive my ignorance but...
My only experience of swapping money from one account to another happens when on holiday with mates and we inevitably end up owing each other. We simply exchange details and yes, names do appear on each other's statements. Once the money leaves our accounts following an online transfer it can be clawed back? Is that what a chargeback is?
Ta
I've heard they are possible but there are so many warnings before a transfer is made, I suspect it's quite difficult. I almost always have a trail back to the deposit request, so a text or email conversation. OK the person could say it's not them or made in mistake, but a bit tenuous that they've sent an amount to my account shortly after I've accepted a booking and given my details to AN Other.
A business gave me incorrect account details for a transfer recently, there was a typo in the account number, also sent money to a closed account both amounts bounced back so it seems 'Oh dear I put a wrong number in' might not be a something which happens very often.
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Please share what has happened to YOU as a result of you giving someone your sort code?
Sort codes can be used to identify which branch an account is opened at.
I’ve had request ms to do bank transfer but it’s not worth it as they can claw it back regardless of the fact it’s gone into your account, not worth the risk or hassle
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Sort codes can be used to identify which branch an account is opened at.
I’ve had request ms to do bank transfer but it’s not worth it as they can claw it back regardless of the fact it’s gone into your account, not worth the risk or hassle
Which can result in?
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With the closure of so many small branches of banks I just asked myself a question which has never occured to me before.
My own main bank account was opened at XXXX branch in XXXX town. That branch closed several years ago so what would "show up" now if someone searched my sort code?
I just googled my own sort code and the original branch still shows but if any man wanted to camp outside waiting for a chance to see me in my anorak he would be very disappointed. That branch is now a greetings card shop.
(So glad I don't do deposits and all that stuff from clients.)
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With the closure of so many small branches of banks I just asked myself a question which has never occured to me before.
My own main bank account was opened at XXXX branch in XXXX town. That branch closed several years ago so what would "show up" now if someone searched my sort code?
I just googled my own sort code and the original branch still shows but if any man wanted to camp outside waiting for a chance to see me in my anorak he would be very disappointed. That branch is now a greetings card shop.
(So glad I don't do deposits and all that stuff from clients.)
Interesting point! I have only taken deposits from London clients and a few other assorted Twitter clients. I opened my a/c eons ago and they’d never see me there since I haven’t lived there for a long time and deliberately do not tour there.
As an aside bloody annoying all the small branches that are closing, my local branch closed this summer.
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Which can result in?
Someone getting an idea of where you live I guess, which might bother some if they’re hyperventilate about discretion
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Be careful i had a very bad experience with a client who said the same and it was a scam. I posted in the Warnings section. Link below
https://saafe.info/main/warnings-wasters/sophisticated-online-scammer/
So sorry this happened.
I have done bank transfers and it's immediate. If it's not then I don't go through with the booking.
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So sorry this happened.
I have done bank transfers and it's immediate. If it's not then I don't go through with the booking.
Yes that's what I do, I have to see it on my screen.
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Another question about bank transfers...
If a client were to pay into your account with your acc no and sort code, would your name, initials, or any other personal information be visible to them on their monthly/online statement, or in any other way?
If asking someone to put cash in branch you could suggest they use the paying in machine I spose; and even if they did then hand it over the counter, and the cashier asked them to confirm it's the correct account by reading out your name, well... most people I think wouldn't remember the name they'd been told.
But I have been in situation that bank transfer seemed the only viable option, for example, where a client wanted to extend the booking from an hour to an overnight, and it was already midnight or something, so he could not have gone off to find a branch and withdraw money. It was more than £300 so could not have got it from a cashpoint either. He did a bank transfer using phone or mobile app or something and it was all fine, I checked on my mobile app and the cash was there straight away. This client has always seemed 'normal' so even if my name were visible to him I wouldn't be concerned... but if I wanted to receive bank transfers from anyone else for any reason, I would be really worried if they could see any other personal details somehow.
Don't know if that's possible, if it depends on which bank the money has been sent from, or maybe which it's been sent into? Have read through other posts on here about deposits and bank transfers but remain confused.
If anyone can tell me I would really appreciate it :D
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As of right now
"If a client were to pay into your account with your acc no and sort code, would your name, initials, or any other personal information be visible to them on their monthly/online statement, or in any other way?"
No. The name they have on the account would be visible to you though.
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I know for a fact you can pay cash into any lloyds bank machines with only sort code and account number, as of now you can’t with Nat west or Santander as I’ve tried for my son and his girlfriend, they won’t accept it and has to be a bank transfer, I’ve been told it won’t be long before all banks refuse cash payments into anyone’s account if it’s not your own account (ie you have your bank card to pay in with). All to do with money laundering I guess 🙄
Ps I tried to do this last month so quite recently
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As of right now
"If a client were to pay into your account with your acc no and sort code, would your name, initials, or any other personal information be visible to them on their monthly/online statement, or in any other way?"
No. The name they have on the account would be visible to you though.
If by transfer yes, cash into the account no.
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This is dreadful and it’s why cash is the preferred option, surely!
But in the circs above whereby a booking gets extended I bet loads of providers are unwittingly risking clients seeing their legal names!
Personally, I find that petrifying.
I’m also shocked that payment can be clawed back, on top of all of that. I didn’t know that was possible.
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If by transfer yes, cash into the account no.
balls.
apparently from the new year you can't put cash in without name + details either. Don't know the full story on that though so will hold on to my pissed-off-ness until it happens!
Thanks all for your input.
My non-escort friends have been going on about an app called revolut, didn't want to arouse suspicion by asking them how discretely you could use it to accept cash from strangers, so might have a look into it... or else just ask for magic beans in the future
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balls.
apparently from the new year you can't put cash in without name + details either. Don't know the full story on that though so will hold on to my pissed-off-ness until it happens!
Thanks all for your input.
My non-escort friends have been going on about an app called revolut, didn't want to arouse suspicion by asking them how discretely you could use it to accept cash from strangers, so might have a look into it... or else just ask for magic beans in the future
I think I need to clarify I see the name on the senders account, the sender doesn't see the name on my account.
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Oh okay :) cool that is what voluptuous curves said also. Yes I'm just bothered whether the sender can see the recipient's name. Couldn't give a stuff if I can see the sender's name; I'm not out to blackmail anyone, and if anything it's probably a bonus for safety reasons.
Many thanks for this
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My non-escort friends have been going on about an app called revolut, didn't want to arouse suspicion by asking them how discretely you could use it to accept cash from strangers, so might have a look into it...
I have this App and tested it it (from my hubby's Revolut app account to mine), it DID reveal our real names to each other, despite me enquring beforehand from Revolut they said no, but... in a nutshell... it does.
There was another App we tested (sending each other a small amount via these Apps)..... called Circle Pay.. which worked on an email address system and showed only the email, so complete anonymity, however some folk on here seemed to think it was not adult friendly. I don't know, at the time (over a year ago) I went through their T&C's like a fine tooth comb, there was nothing referencing adult work, however in that time their T&C's may have changed.
Perhaps google it. All I know is, it provided complete anonymity, hubby only seen email address I used and vice versa. I haven’t used it since however. So… we did NOT see each other's names & they did what they said they did on the tin (unlike Revolut) – as I also phoned and spoke to them (Circle) and they said you didn’t have to reveal real name if you didn’t want, as I recall when logged in there were something like three ID choices you could choose from, your real name, your email address and I think maybe a nickname, not so sure on the last one but anyway I just choose I wanted to be identified to the other person by my email address.
You have to be verified .... but the other person does not see it anyway (if you select from their drop down menu the option to be identified via your email address. (Also you need to link your debit card in order to be able to transfer funds to your bank account). At the time I used it, it was done electronically, they don’t provide a (physical) credit card, whereas Revolut does, although its not compulsory to order it as you can use their 'virtual' one . However there is little point in using Revolut if it is not anonymous!
With Circle Pay there are no worries about giving out bank details, sort codes, account numbers, cashiers giving your name out (by accident or otherwise).
Of course any Client would have to have the App on their phone too (and you would have to swop email addresses, so you knew who was who, say if you had more than one Client using it). It is free to download from Play etc & called 'Circle Pay' and relatively easy to set up.
Also I see on here some others have used and recommend another App called ‘Cash App’ which sounds similar to Circle, (it is downloadable on Play as ‘Cash App’ (then has the word Square underneath in red writing) - if you use the search engine here you might find other topics on it, input 'cash app' or 'cashapp'. And/or perhaps do a Google search.
Speaking of Google I found the article (extract below) from this year, April 2018 - (if you google ‘cash app’ or ‘square cash app’, hopefully you can find it plus other online articles). So you can do your own research.
It seems like new methods are evolving all the time, esp while banks close down etc. New ‘systems’ appear to be popping up like mushrooms.
Although of course what is needed in this instance is:
(1) anonymity and also
(2) for it to be adult friendly (however if the T&C’s don’t refer to it then technically you are not breaking their T&C’s)
Here is the extract from the article: (it is the Cash App referred to above).
“Square announced on Tuesday (April 3) that its peer-to-peer (P2P) Cash app is now available in the U.K.
According to news from MarketWatch, the U.K. is the first international market for the Cash app. Like in the U.S., users across the pond can now send and receive money without paying a fee. The funds will show up by the end of the next business day. However, the app doesn’t enable users to buy or sell bitcoin, which U.S. users of the app can do, and the Cash debit card won’t immediately be available in the U.K.”
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This article popped up in the news today - in summary, from next year they're looking to make it a requirement to include and check the recipient's name on transfers as a fraud prevention technique. Not clear yet whether this will also apply to cash deposits in machines though distinctly possible given the reasoning behind the change.
On the flipside, it would also make it even more difficult for clients to assert any such payments were made in error and try to reclaim (although that's already a fairly difficult proposition, as the article notes onus is currently on customers to make sure details are correct anyway).
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Ok so revolut is out... thank you for sharing your trials Bexy, you've saved me a lot of time.
As far as (1) anonymity, circle pay and cash app seem to cover it then. As far as (2) being adult friendly, I think maybe that could be dependent on prostitution laws in country where company is based? Just thinking of how British sex workers have had problems using Paypal for work purposes, because it's an American company. Circle Pay says it is based in Boston USA, but Cash App website says that their headquarters is in London - although they have offices world wide - so I am thinking it might be a British company?
Although from the quote you have pasted I'm not sure about that, don't know why a British company would be offering more services (bitcoin/cashcards) to american customers than domestic. Hmmm.
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I am not sure if knowing the name on the recipient's account is going to be compulsory, but some banks will actually - shock - start checking any name that is given against the account's records from summer 2019.
theguardian.com/money/2018/oct/18/banks-to-check-account-names-to-beat-transfer
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As far as (1) anonymity, circle pay and cash app seem to cover it then. As far as (2) being adult friendly
Hi Lady Frog
I spoke to Circle Pay in their UK offices around April 2017…. However…. (since writing the above on the 18th) I am now not so sure if I would recommend them, basically if you Google ‘circle pay terms and conditions’ – you will find their User Agreement.
Under the EEA (agreement) heading it states info below (Prohibited Payments) - you will see one of the prohibited payments states “adult content” (emboldened below for ease of reference) – this wasn’t on their website previously (about 18 months ago when I last looked), I guess before posting my recent response I should have looked at it again, however the reference to “adult content” is very generic.
That said, what I would say is this… a few of the ladies on here seem to advocate Cash App, (I can’t use it on my phone as I think for Android it only accepts operating system of 5.0 and above, annoyingly mine is lower).
From what I’ve read on here it appears that this App is run very similar to Circle Pay, in term of anonymity that is (I don’t know about the daily/yearly cash amounts etc), there is even one person on here “someonesomewhere” who stated they know Cash App doesn’t have a problem with adult work/workers as she connected with the Cash App people through her (adult) work Twitter account, so at least they appear adult friendly.
P.S.
Re who Cash App are (who are owned by Square), they are from what I’ve read on here and online a US company but in April of this year expanded/launched the use of their service in the UK.
EXTRACT FROM CIRCLE PAY’S WEBSITE:
17. Prohibited Payments
We do not provide Services or support transactions which involve:
• any Restricted Persons or persons or entities located in Restricted Territories (as each term is defined in Section 30);
• weapons of any kind, including but not limited to firearms, ammunition, knives, or related accessories;
• controlled substances including but not limited to narcotics, prescription drugs, steroids, or related paraphernalia or accessories;
• gambling activities including but not limited to sports betting, casino games, horse racing, dog racing, lotteries, games of chance, sweepstakes, games of skill that may be classified as gambling (i.e. poker), or other activities that facilitate any of the foregoing;
We understand that gambling may be legal in your jurisdiction, but unfortunately we cannot allow you to use Circle in connection with these activities.
• financial crime, money-laundering or terrorist financing;
• any sort of Ponzi scheme, pyramid scheme, or multi-level marketing program;
• goods or services that infringe or violate any copyright, trademark, or proprietary rights under the laws of any jurisdiction or otherwise constitute counterfeit goods;
• debt settlement, refinance, or credit repair services;
• court ordered payments, structured settlements, tax payments, or tax settlements;
• the sale of money orders or cashier’s checks or any money transmitter activity;
In the event that Circle learns that you are making any such prohibited payments, Circle may suspend or terminate your Circle Account.
Using Circle to send £20 to one friend on behalf of another friend is okay, but if you are frequently accepting funds from people to sd on their behalf, you might be violating money transmission laws - so we can’t allow that.
• lottery contracts, layaway systems, or anuities;
• counterfeit goods, including but not limited to fake or “novelty” IDs;
• purchasing goods from Tor hidden service markets or “Darknet” markets, or any other service or website that acts as a marketplace for illegal goods (even though such marketplace might also sell legal goods);
• adult content; or
• any other matters which we communicate to you that are unacceptable from time to time and which, for example, may be restricted by our and your payment partners.
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I stand corrected. So hopefully Cash App just choose to be more tolerant!
Will be be having a go with that.
In addition to the BBC article about bank transfers I have just read a post on moneysavingexpert that says the same - when you make transfers you will have to provide acc no, sort code, and now acc name, and after the name is checked you will be told one of three options... the name matches, it's nearly right (you've spelled it wrong etc.), or it's fully wrong.
This article also says that, even if the name you give does not match, if you acknowledge that you can choose to make the payment anyway at your own risk? So this might mean that bank transfers will still be an option. Although of course it's a case of waiting to see how it plays out... it could be that, if you warn people paying you that the name will not match, they can just pay you anyway, and the whole thing passes without incident. Or it could be that if you do this multiple times your bank will be ringing you up accusing you of criminal activities or freezing your account or something. what fun.
edited to remove URL
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Can we please lay off the URLs? We're not here to send traffic to other sites and I doubt anybody here is incapable of summarising something they've seen; I've been away over the weekend but if I'd noticed somebody had started posting press ones it wohld have been removed.
Nobody should need to go onto a third party/non sex work site in order to follow what's happening in a thread here. That includes me.
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Apologies and noted Amy, a lifetime of brainwashing to always refer to source!