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Originally Posted by clickclickclick
I have a local bank that would process my site with a 10k deposit. But it would be a dating site with no adult ads/upsells to anything. That is why i ask about whether having banners and upsells would change this category
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I'm not sure why they would say no ads or upsells, honestly, that doesn't make a lot of sense to me, given that you've explained to them that you are not processing the end result of those ads or upsells.
If they see your site as a non-adult dating site, and I use that term loosely, they may feel that adding adult products to the site changes the classification. Reality is that it won't change the classification, since your site should probably be high risk in the beginning.
What sort of rate are they quoting you and what kind of terms?