Who actually onboards a human-creator 18+ platform? Need subs + multi-creator payouts, not a "high-risk" generalist
Setting up an 18+ creator platform. Think OnlyFans/Fansly: human creators,
per-creator subscriptions plus one-off PPV unlocks. I need a processor that
actually underwrites adult, not a "we do high-risk" shop that turns out to mean
gambling and nutra and quietly won't touch MCC 5967.
Where I'm at:
- Entity in [EU but outside the EEA, so I need someone who'll actually
contract with a non-EEA company.
- Human creators, explicit behind the paywall. Full 2257 and age/ID verification
on every creator; the public side of the site stays SFW.
- [Pre-launch. Projecting ~$X/mo, ~$Y average ticket, no processing history yet.]
Fine to start small.
What I need:
- Real card acquiring (Visa/MC) for MCC 5967. Apple/Google Pay would be great,
crypto too.
- Recurring subscriptions + one-off unlocks.
- Payouts to a lot of individual creators. Either you handle the split, or I run
payouts on a separate rail. Just tell me which.
- SEPA settlement preferred.
If you reply or DM, it saves us both time if you cover:
Are you the processor/MoR, or a broker? If broker, tell me the actual
acquiring bank.
Do you underwrite adult human-creator platforms under MCC 5967? Yes or no.
Will you contract with an Andorra (non-EEA) entity?
Rough numbers: discount rate, per-tx fee, rolling reserve and hold,
chargeback fee.
Creator payouts: built in, or do I bring my own?
Already been through CCBill, Segpay, Verotel/Bitsafe, Epoch, Vendo and CentroBill,
so no need to sell me the usual names. Tell me where you're better or give me a
real alternative. If you can't name the bank, or you lead with "instant approval,"
we're not a fit.
