Looking For Payment Processor for Adult Creator Platform
Hi all. We're a pre-launch startup building an adult creator subscription platform (OnlyFans style, user-generated content from independent creators). Company formed in the UK, launching next month. Looking for a payment processor, or a reputable high-risk broker, that genuinely works with explicit UGC adult content.
Our Profile:
- Stage: pre-launch, going live next month
- Volume at launch: $10k to $50k per month, scaling from there
- Billing: recurring subscriptions and one-off purchases (PPV, tips)
- Content: adult / explicit, and non adult user-generated content. AI generated also
Must-haves (non negotiables)
- Visa and Mastercard, 3D Secure mandatory
- Recurring / subscription billing with card tokenization
- Multi-currency processing
- No setup fee
Target terms
- Processing rate at or under 10% all-in (we've been quoted 15%, which doesn't work for us)
- Rolling reserve around 10%
What we bring
UK limited company, business bank account, full KYC/AML, age and identity verification for creators, content moderation and takedown process in place, and for chargeback mitigation (3DS, plus Ethoca/Verifi if you support it or other tools).
If you're a processor or broker in this space, please comment or DM with your rates, reserve terms, payout/settlement timelines, and onboarding requirements. Thanks!