Adult-friendly acquirers, age-gate integration, and dispute defense.
Mature-content and adult-product processing with banks that openly serve the vertical and chargeback infrastructure tuned to its patterns.
Adult businesses face the highest scrutiny in card processing. Mandatory age verification, strict descriptor and labeling rules, and chargeback ratio thresholds set lower than most other verticals. Visa's monitoring program flags adult merchants at lower ratios than mainstream retail, and the brands actively monitor descriptor matching to catch hidden adult merchants. We place you with adult-friendly acquirers, integrate with leading age-verification providers, and run aggressive representment to keep ratios in safe territory.
Adult merchants typically need to stay well under 1% of monthly transactions, with most acquirers wanting under 0.7%. Visa's VAMP program drops the network-wide Excessive threshold to 1.5% in 2026 with $8/transaction fees once flagged, but adult acquirers enforce stricter limits internally.
Yes. Platforms paying performers or creators can use payout APIs with KYC built in. We scope the program during onboarding because the regulatory layer (1099 generation, OFAC screening, beneficial ownership) varies based on your platform model.
Supported, with caveats. International processing in adult requires more careful underwriting and sometimes separate banking, since some regions have stricter adult content rules than the US. We scope this during onboarding so there are no surprises after launch.