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Uh, how is that lying? Did you even read what he does? He fucking shoots models and does webdesign. Unless they flat out ask you "Do you take pictures of naked women" it's not lying at all.
And since it sounds like he's not processing random people (i.e. what ccbill is GOOD at), it would be fairly stupid for him to pay fees for something he's not going to use.
When we got our merchant account the bank didn't ask WHAT we hosted (we're not just a porn host, just happens quite a few clients happen to be in the adult business, word of mouth works like that), just asked what we did. I told them straight up "We host websites and do custom programming", which is WHAT WE DO. Along your line of reasoning I should get nailed with 15% or whatnot just because some of my clients happen to push porn. Gimme a break. I have yet to have a single chargeback, and that's what the banks are worried about.
Now, if this guy were to start a site up where you could buy on-line via a credit card, I would totally push him towards the ccbill/ibill/whatever route. This is where you lay out the extra cash because this is what you guys are good at doing. It's an extra risk.
There is no "fit all" solution to CC processing, everyone has a different need. From what I know what this guy is doing, a straight merchant account sounds like the best route, of course I could be wrong about what he's doing.
So stop trying to infer that I'm telling him to be dishonest, I'm not. I could very well be mistaken about his objectives, but it sounds more along the lines of "I have a few clients I trust that want to be billed via CC" other than "I want to have a site that lets random people order shit from me off the internet". If it were the latter, than of course it's being dishonest to not disclose that, but if it's the former just saying what you do (photography) is enough as long as you are not asked to go into detail.
Yeesh.
-Phil
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