IPTV payment processing built for the subscription model.

IPTV subscription businesses run under MCC 4899. Card networks flag this MCC for two reasons: elevated baseline chargeback ratios (1.0–1.8% vs. the 0.9% VDMP threshold) and the copyright-litigation surface around unlicensed content. VenderaPay places IPTV merchants with acquirers that specifically underwrite the vertical — with mandatory Ethoca + Verifi RDR integration and a crypto settlement rail to route around card-processor volatility.

Who we place

Why standard processors decline IPTV

Two converging forces make MCC 4899 unbankable for standard acquirers:

1. Chargeback economics. IPTV runs at 1.0%–1.8% pre-mitigation. Standard acquirers price their portfolios assuming ≤0.5%. The math never works.
2. Card-network enforcement. Visa's Legitimate Business Practices (LBP) program and Mastercard's Business Risk Assessment and Mitigation (BRAM) program both list IPTV as a "heightened-review" category. Acquirers who board IPTV without specialist underwriting get fined and, in extremes, lose their portfolio. Specialist acquirers price this in and follow specific documentation trails to stay out of enforcement.

Chargeback strategy

IPTV's baseline chargeback drivers are predictable — which means they're addressable. Every VenderaPay IPTV account ships with:

• Ethoca alerts — 24–72h window to refund a dispute before it's counted against your ratio.
• Verifi RDR — pre-defined categories auto-refunded at the issuer level, never touching your ratio.
• 3DS2 SCA on card-not-present — shifts liability for "friendly fraud" back to the issuer.
• Descriptor with contact line — billing descriptor includes a customer-service phone or URL, cutting "unknown charge" disputes 30–40%.
• Account-sharing detection — concurrent stream limits + IP-based device fingerprinting cut fraud loss without needing hard geoblocking.

Documentation checklist

• Incorporation certificate + government ID for beneficial owners ≥25%
• 3 months of processing statements (if any)
• Content licensing documentation: direct license agreements, reseller agreements, or written statement of content sourcing model
• DMCA agent registration (US) or EU DSA compliance statement
• Channel / content list
• Business location + primary hosting jurisdiction
• Chargeback history from any prior processor
• Written account-sharing / concurrent-stream policy
• Live website with visible terms, refund policy, and billing disclosures

Rates and terms

FAQ — IPTV processing