Card processing for adult content, creators, and dating.

Adult verticals are declined by 95%+ of standard acquirers because the baseline chargeback ratio hovers near Visa's 0.9% VDMP threshold and card networks classify the sub-verticals under the strictest underwriting rules. VenderaPay routes creator platforms, subscription content sites, dating apps, and cam operators to principals that specifically underwrite MCC 5967 and 7273 — with mandatory Ethoca and Verifi RDR integration on every account.

Sub-verticals we place

Chargeback strategy is the whole game

Adult's baseline chargeback ratio (before mitigation) sits at 0.8%–1.4%. Visa's VDMP program flags monitoring at 0.9% and enforcement at 1.5%. Every account we place ships with:

• Ethoca alerts — flags disputes before the issuer files a chargeback, giving you 24–72h to refund and prevent it from hitting your ratio.
• Verifi Rapid Dispute Resolution (RDR) — auto-refunds pre-defined categories at the issuer level. Never counts as a chargeback.
• 3DS2 SCA — mandatory in the EU under PSD2; recommended everywhere for adult. Shifts liability for "friendly fraud" chargebacks to the issuer.
• Descriptor clarity — the right billing descriptor cuts "I don't recognise this charge" disputes by 40%+. We work with you on descriptor design during onboarding.

Documentation and compliance

Every adult application requires everything a standard high-risk app requires (see the CBD onboarding checklist for the base list) plus:

• Age-verification method statement (Yoti, Veriff, Persona, in-house, etc.)
• For US-facing sites: attestation of Section 2257 record-keeping with custodian name and address
• For EU-facing sites: UK Online Safety Act / EU DSA compliance statement
• Content moderation policy and takedown-response SLA
• Refund and cancellation policy visible pre-checkout (Visa VIRP requirement)

Rates and terms

FAQ — Adult and dating