Credit card processing solutions? Who is the best?
 

I am looking for credit card processing. I suppose it would be considered “high risk”. I am looking for per minute rates for one project. Trying to see who has the lowest rates. CCBill can do this, right?

MobiusPay :thumbsup

You wouldn't be charge the card every minute, you'd preauth in chunks and capture at the end of the session like the cam platforms do. Tech is on your end, all the billers do is auth/capture via API.

I was about to post this! :thumbsup:thumbsup

outside of what was recommended...Here are the best payment processors that handle adult industry websites

1. CCBill
https://ccbill.com

Industry leader specializing in adult entertainment processing
Operates globally including Australia
Used by major platforms like Just For Fans
Comprehensive fraud protection tools
Established reputation in the adult entertainment space

2. Segpay
https://segpay.com/verticals/high-risk/

Specifically designed for adult businesses
International payment processing
Streamlined customer experience
Comprehensive fraud protection
Merchant account management

3. Corepay
https://corepay.net/industries/adult-content-merchants/

Specialized in adult industry merchant accounts
Extensive knowledge of adult business models
Helps navigate compliance challenges
Competitive rates for high-risk merchants
Supports various adult business types

4. Adult Merchant Service
https://www.adultmerchantservice.com/

Specializes exclusively in adult merchant accounts
Offers both domestic and international processing
Daily deposits available
Alternative to mainstream processors that reject adult businesses
Understands unique needs of adult entertainment sites

5. Verotel
https://www.verotel.com

European-based but handles global transactions
Multiple payment methods beyond credit cards
Specialized in adult content processing
Strong reputation in the industry
Handles recurring billing models

6. CommerceGate
https://www.commercegate.com/secure-...isk-merchants/

Focuses on regulatory compliance
Robust security for sensitive transactions
Scalable solutions for growing businesses
Global payment processing capabilities

7. Cage Payments
https://cagepayments.com/

Processing available in 54 countries
Daily settlements possible
Zero reserve options in some cases
Direct relationships with financial institutions

8. Easy Pay Direct
https://www.easypaydirect.com/mercha...rd-processing/

Specializes in high-risk merchant accounts
Understands adult industry challenges
Helps manage chargeback issues
Multiple processing options

These processors understand the unique challenges of adult industry websites and won't shut down accounts simply due to the nature of the business, I'd particularly recommend starting conversations with Segpay, and Corepay

Awesome, guys! This is the type of info that I knew you folks would provide. Thanks a ton!

I love you, Harmon ! !

I assume ALL of these require the visa/mc annual fee.

Is Segpay still for Euro customers only?

Visa/MC requires the annual Visa/MC fee, it doesn't matter which direct or third party solution you use.

I don't know what product, but why not try crypto payment ? Now it's quite sophisticated and supported by many companies. The fees are awfully high when I look at ccbill etc..

No they've expanded and in the fall will be opening offices in Australia for companies INC - they can do it now without it. They are in United States btw

I love the idea of having it as an option. As somebody that doesn’t deal in any type of cryptocurrency, doesn’t the end-user have to deal in crypto as well in order to use it? In that case, it would be an excellent option, but I don’t wanna limit myself only to cryptocurrency users. Do you get what I’m saying?

I love you too, bro!

The best payment processor, is the best one for you.

You have to contact all of them and ask all of the questions you've got. What are the fees? When do you issue payouts? And most importantly, what are the Terms and Conditions? (Really! Read their TOS...)

Don't lie to them. If you or your business has been refused by another payment processor because your location for example, don't hide this. Each processor has their own ways they can work with with you. Don't lie about your content either. If you lie to them now and get caught later, your funds will be withheld, your site won't be able to process transactions, and all the work you have done up to that point could be lost. Tell them your exact situation, your domain, your content etc, and if there are any potential roadblocks, they will tell you how to adjust for them, and about potential work-arounds if they exist.

Try to think of your payment processor as your business partner. If you work with them the way they can work with you, you will both come out on top.

I've been to their offices in FL, but from what I remember they needed EU entity to open an account. Good to know they take US now.

From a programming perspective, I find that working with RocketGate, Epoch, or CCBill to be straight forward and effective.

RocketGate has a great SDK that they put up on Github, which makes it easy to integrate. I would like to see more processors follow their lead on that.

From a fee perspective, I think the cheapest would be some kind of crypto system or Paygarden, because all of the credit card processors are going to charge high risk fees. My limited understanding is that a merchant account gives you the lowest fees, but it comes with it a lot of labor and initial costs to setup.

Fantastic information. Thanks, Mark! I will definitely keep this in mind.

The more that I read up on this, the more of a pain in the neck it becomes! I am trying to find the easiest, one-stop, all in one solution — but it appears that there isn’t one.

Hi Harmon,

If you are located in the US and are a startup, NETbilling can certainly help. If you are in the EU, we do have a current volume requirement.
NETbilling has been serving there adult industry since 1998. We offer one of most feature extensive payment gateways, the most merchant banks relationships, and customer service second to none! Our rates are typically half of what much of our competition provides.

Feel fee to email [email protected] or email me directly with any questions.

Thanks, Mitch

Looks like a chat GPT reply list. I wonder why we didn't show up in your search as we usually do.

This just came up for any search.... although i have never heard of Cage Payments or Easy Pay Direct above.

Top High-Risk Payment Processors for Adult Businesses

1. NETbilling

Specialization: Adult industry pioneer; widely trusted.
Features: Payment gateway, merchant accounts, fraud scrubbing, subscription billing.
Supported Payments: Credit cards, ACH, EU cards.
Reputation: Longtime player in the adult space with strong compliance knowledge.
Website: netbilling.com

2. CCBill

Specialization: Built for adult content, camming, and dating platforms.
Features: End-to-end billing, chargeback mitigation, fraud tools, payout solutions.
Supported Payments: Global cards, SEPA, mobile, crypto (limited).
Reputation: Trusted by major adult platforms; high volume capable.
Website: ccbill.com

3. Segpay

Specialization: Adult websites, dating, and high-risk e-commerce.
Features: Smart fraud tools, EU and US compliance, full reporting dashboard.
Supported Payments: Visa, MasterCard, ACH, SEPA.
Reputation: Trusted by top tier adult platforms; robust compliance.
Website: segpay.com

4. Epoch

Specialization: Adult and digital content.
Features: Recurring billing, international processing, smart retries.
Supported Payments: Global cards, EU payment methods.
Reputation: Excellent with membership sites and content creators.
Website: epoch.com

5. Payze

Specialization: Newer gateway focusing on digital media & adult platforms.
Features: Checkout customization, international processing.
Supported Payments: Cards, Apple Pay, Google Pay.
Reputation: Less legacy baggage; flexible API for developers.
Website: payze.io

netbilling is what i recommend to everyone

I've sent to Mitch an e mail enquiring about processing... Never heard back. :error

btw - I had a client that was sent to Netbilling 1st but although he was high risk they weren't about to help him - needed 10k min per month and he was start up in Australia

I typically reply the emails within the hour. If I didn’t, that means I didn’t receive it or it went to my spam box. Can you please resend to [email protected]?

This is not a requirement of NETbilling, but the banks that we work with require a US or EU corporation and residence, and if in the EU, $15,000 minimum monthly volume currently processing to obtain a merchant account.

Much appreciated!

re sent today

Hi Mitch! Thank you for the response. I will definitely send you folks an email first thing in the morning. I appreciate you reaching out. Have a great evening.

Hi Robert - Unfortunately the high risk banks that we work with are in the US and EU and require $15k per month current volume with 3 months of history minimum. That's not a restriction of NETbilling, but of the banks themselves. They also must be established in the EU or US.