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Payment options for Canadian performers and sellers

So this question comes up a lot and I thought it was worth making a separate post about it to try and get all the information in one place. While there are many great resources on the various camming and selling subreddits regarding payment options, none of them are specific to Canadian sellers as far as I know. Please make sure you familiarize yourself with those, though, because they have information about the safety of your money and your identity/privacy when using each service.
Transparency Statement
Apps and services I have personally used will be indicated within. I also want to note that I was given a $10 Polyalpha gift card by a fellow Redditor and seller for a chance to try the service (it was a public offer given in a comment thread). I do not anticipate bias because of this, but it has given me information about the service that I would not have otherwise had.
Disclaimer
This post is for information purposes only and nothing I say should be construed as an endorsement. Similarly, the focus of this post is on payment options for Canadian models. There are a lot more things to consider as you do your research, so please keep in mind that this is not intended to be a comprehensive resource and take the time to double-check how each works when it comes to personal safety and anonymity in particular.
I have broken this down into two tables – one for third-party apps that Canadians can use to receive direct payment from individual buyers, and one that gives the lowdown on getting paid from various content/cam sites. Note that many of the options in Table 2 are also payment processors or can be used as such.
Table 1. Third-party apps for receiving direct payment.
>>Options in bold require that you have a US-based checking account<< See next section for more information.

Service Currency options for receiving payment Payment options for buyers Withdrawal procedure Fees Notes Source
Paxum EUR, GBP, USD Must have Paxum Prepaid card; to US bank account $0.25/transaction Poor quality info online; nonexistent customer service Personal experience and http://bit.ly/2moKymk
Shakepay Bitcoin, Ethereum BTC, ETH, PolyAlpha Convert to CAD within the app and etransfer it to yourself None from Shakepay but may be bank fees By far the most painless sign-up experience I've had -Personal experience and http://bit.ly/2nfLSYU
Payza 24 others besides CAD Must have Payza; can load from debit or CC Convert to CAD in-app -> bank transfer, Payza card, or BTC http://bit.ly/2ndxIr7 Free I have not used this - all info from website http://bit.ly/2lKVHO7
eTransfer CAD CAD via email or text None required Varies by bank and account type Only safe option here is to use a dedicated and separate email. I don't know if it would work using a number from Burner or Text Plus Personal experience: When you receive money, the name associated with your bank acct isn't visible to the sender
PolyAlpha Bitcoin via gift voucher USD using PayPal or CashApp (see notes) Bitcoin wallet Currently around 18% and decreasing a) I used Shakepay to receive BTC because it can convert to CAD in-app Personal experience, Reddit, and http://bit.ly/2lItcAr (scroll to bottom -> Gift Vouchers -> "buy" or "redeem")
GiftRocket USD USD or merchant gift card via CC Direct deposit to US account; gift card Buyer pays $2 + 5% of value a) I have not used this – all info from website b) Gift cards avail. for specific places – see website http://bit.ly/2nh8kRk
Table 1 Notes
Opening a US Checking Account
To my knowledge, TD and RBC are the only banks where this is possible. In order to take advantage of the payment options I’ve identified in bold in Table 1 and Table 2, it is imperative that you open a US-based checking account and not just a USD account through your home branch. The difference is that a US-based checking account is tied to a branch that has a physical location in the US.
I opened mine through RBC and it was relatively painless. I opened a Canadian checking account online but had to go to a branch to provide ID verification. This is required in order to open the US account. Next I called them to open the US-based account. You can do this at any branch as well, but I was told that it takes longer to open this way. Over the phone, it was instant. My accounts are linked through my online banking portal and RBC banking app, allowing me to transfer myself money easily and instantly. They also sent me a Visa Debit for my US account, which took about two weeks to arrive.
Table 2. Payment methods for Canadian sellers and performers on various cam/content sites.
I have omitted all instances of wire transfers (because they are slow, expensive, and usually have high payout minimums) and all instances of cheques (because they are slow). I have omitted all mention of ePayments because they no longer accept payments in USD.

Site Direct deposit in CAD? Direct deposit to US account? Other payment options Source
Chaturbate No Yes Paxum http://bit.ly/2mtHVQb
My Free Cams No Yes Paxum, Payoneer http://bit.ly/2njg59w
Bonga Cams No Yes Paxum, Crypto (five different ones) http://bit.ly/2o14X1h
Streamate No Yes Paxum, Payoneer http://bit.ly/2o2YnaJ
Stripchat No Yes Paxum http://bit.ly/2npjfZ4
CamSoda No Yes Paxum http://bit.ly/2lLqREU
IndieBill No Yes None http://bit.ly/2nmFpv8
ManyVids Yes - $30 fee but FREE to deposit to Canadian USD account Yes Paxum http://bit.ly/2o36d49
OnlyFans No Yes Paxum Via email b/c info is only available to registered account holders
Clips4Sale No Yes None http://bit.ly/2o1pgvy
iwantclips No Yes None http://bit.ly/2my24V8
Table 2 notes
TL;DR Get a US-based bank account, Paxum, and Shakepay.
I am open to questions, comments, and concerns! I would like this resource to be as tight as possible so be sure to let me know if you see any issues or gaps.
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Legality of cryptocurrencies

Regulations or positions of some countries about cryptoworld Because governments can sometimes be a bit touchy about attempts to create alternatives to the legal tender they enjoy a monopoly on printing, a wise investor might wonder about the legal status of cryptocurrencies. Indeed, the disruptive potential of these technologies has made governments around the world nervous, as they have struggled to devise appropriate regulations for the cryptocurrency realm without stifling innovation. Most potential investors have nothing to worry about from a legal standpoint, but it pays to do one’s homework.
Regulations or positions of some countries about cryptoworld Some countries have banned or ruled unconstitutional the use of cryptocurrencies within their borders, while others have embraced them or even announced plans to issue their own. Of course, due to the inherently decentralized nature of cryptocurrencies, enforcement has proven difficult. Taxes levied on profits made trading cryptocurrencies vary based on their legal classification. Check the laws in your country, and make sure you abide by them when investing. Questions of legality in major markets have caused temporary dips in cryptocurrency prices over the years, but they have always recovered. Keep reading for a brief history of legal rulings and government announcements related to bitcoin that have helped shape the current ecosystem.
February 2012
Payments services firms Paxum and Tradehill temporarily cease bitcoin exchange activities due to legal concerns raised by Canadian regulators.
28 March 2013
Cypriot investors drive up bitcoin prices seeking a refuge for savings when a government bailout program threatens to tap bank deposits.
14 May 2013
The United States Department of Homeland Security seizes almost $3 million from a subsidiary of the Mt. Gox exchange, claiming that the business is illegally engaged in money transmission without a license.
30 August 2013
Tradehill stops exchanging bitcoin, again due to regulatory uncertainty, indicating a growing need for government clarification on the legal status of cryptocurrency.
October 2013
The U.S. Federal Bureau of Investigation arrests operator of Silk Road dark web marketplace Ross Ulbricht, alias “Dread Pirate Roberts,” charges him with computer hacking, money laundering, drug trafficking and attempted murder, shuts down the site and seizes over 170,000 bitcoins. In the wake of the shutdown, numerous other illicit marketplaces emerge, but are prone to exit scams in which operators abscond with bitcoins held in escrow.
18 November 2013
U.S. Senate holds hearing titled “Beyond Silk Road: Potential Risks, Threats, and Promises of Virtual Currencies.” Members express reservations about the potential illicit applications of cryptocurrencies so vividly illustrated by Silk Road, frustration at the difficulty of regulating something so difficult to understand, but ultimately hope that government will be able to create a system in which decent people have a “chance to try and play by the rules.”
22 November 2013
China’s central bank issues an equivocal statement on bitcoin that nonetheless greenlights Chinese participation in cryptocurrency exchange and investment, prompting huge price gains over subsequent weeks.
05 December 2013
Backpedaling somewhat in response to the widespread use of bitcoin to circumvent limits on capital outflows, China bans banks and other financial institutions from dealing with or offering services relating to bitcoin, ruling that it is not a currency.
25 March 2014
The U.S. Internal Revenue Service issues its first guidelines for bitcoin, ruling that it is to be taxed as property, not treated as currency.
10 April 2014
Under government pressure, Chinese banks begin to shut down accounts belonging to bitcoin exchanges. Prices drop 10%, but many exchanges exploit loopholes and offshore parts of their businesses to continue operating.
July 2014
The state of New York announces plans to develop licensing requirements for businesses dealing in bitcoin or related services, which proves extremely unpopular with cryptocurrency advocates.
06 November 2014
Trendon Shavers, alias “pirateat40,” arrested for defrauding bitcoin investors in Ponzi scheme in 2012.
19 December 2014
Bitcoin entrepreneur and proponent Charlie Shrem sentenced to two years in prison for illegal money transmission charges related to the Silk Road marketplace.
25 January 2015
Coinbase navigates regulatory frameworks to win approval to operate a fully-fledged bitcoin exchange in 25 U.S. states and sets sights on further expansion.
25 March 2015
Hong Kong officials warn against potential fraud on exchanges, but indicate they will take a light hand regulating cryptocurrencies, classifying them not as legal tender but as “virtual commodities.”
29 May 2015
Ross Ulbricht receives sentence: life in prison without parole. Judge Katherine Forrest explicitly seeks to make an example of him and thereby discourage others from using cryptocurrency and the relative anonymity of the Internet to flout the law.
01 August 2015
Mark Karpeles, former Mt. Gox CEO, arrested in Japan and charged with falsification of records relating to the solvency of the exchange during its collapse.
10 August 2015
Deadline hits for compliance with New York regulators’ “BitLicense” rules, leading many exchanges to stop serving customers in the State.
22 October 2015
Crypto advocates hail a European court ruling that VAT does not apply to bitcoin and other cryptocurrency transactions, thereby classifying them as currency, not property.
10 November 2016
The state of North Carolina creates legislation to address bitcoin and money transmission, which regards businesses dealing in virtual currencies as subject to the same set of rules and licensing requirements that govern transmission
10 March 2017
The U.S. Securities and Exchange Commission denies Cameron and Tyler Winklevoss authorization to create a bitcoin-based ETF, citing inadequate regulation of cryptocurrency exchanges.
28 March 2017
The SEC denies the Winklevoss brothers’ second request for authorization of a bitcoin ETF, again citing concerns about the lack of regulation and potential for fraud on the exchanges.
01 April 2017
Japan recognizes bitcoin and other cryptocurrencies as legal tender and lays the groundwork for supportive regulations intended to permit legitimate investment while discouraging money laundering and terrorist financing.
04 September 2017
China prohibits fundraising via initial coin offerings, which it considers illegal.
07 September 2017
The European Central Bank rules out the possibility of Estonia launching its own national cryptocurrency, reaffirms the privileged status of the Euro as legal tender, and cites concerns that national cryptocurrencies would undermine financial regulations.
06 December 2017
Softening its initial stance, Russian regulators indicate that new rules may allow the purchase of cryptocurrencies, but forbid or heavily restrict mining activities.
07 December 2017
Regulators in South Korea ban trading in bitcoin futures as well as initial coin offerings(ICO), but will permit cryptocurrency exchanges to continue operations.
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