High risk processor for adult UGC platform — need API integration + recurring billing
Hi, I run an adult UGC subscription platform (fan-site model, similar to OnlyFans). The site itself is done and growing — the only missing piece is proper card processing.
What we need:
- Card processing for adult content (UGC platform, we handle performer verification/compliance)
- API integration: we create the charge/checkout programmatically from our backend and get webhooks back. On-site or white-label checkout strongly preferred — hosted checkout pages with the processor's branding killed our conversion before
- Recurring billing (monthly subscriptions) with dunning
- Real card rails — not a "card checkout" that silently redirects users to a crypto on-ramp. We've been burned by two of those already
Our structure: US LLC (foreign-owned) + a Brazilian company behind it. One processor already declined us because they required a US-resident director with 10%+ ownership and a US bank account — is that a common requirement in this vertical, or specific to that processor?
We're already in talks with a couple of the classic adult IPSPs (SegPay etc.). I'd love to hear real-world experience: approval times, API quality, and how they handle foreign-owned LLCs.