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NEW YORK -- On a Sunday morning in late May, Taylor left her Harlem apartment and boarded a train for Greenwich, Conn.

She planned on spending the day with a man she had met online, but not in person.

There are some merchant services providers, though, that not only provide but specialize in high risk credit card processing, and some of these providers are willing to offer merchant accounts for adult entertainment businesses.

The adult entertainment industry’s expansion into the digital marketplace has made merchant accounts essential for online adult entertainment vendors.

Within the credit card processing industry, however, adult merchant accounts are generally classified as “high risk” merchant accounts, and many merchant account providers will therefore refuse to offer credit card processing for adult entertainment websites. Some processors tend to worry that adult entertainment merchants may be fronts for illegal activity.

Taylor, a 22-year-old student at Hunter College, had confided in her roommate about the trip and they agreed to swap text messages during the day to make sure she was safe.

Once in Greenwich, a man who appeared significantly older than his advertised age of 42 greeted Taylor at the train station and then drove her to the largest house she had ever seen.

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