I'm developing a web project that allows user payments and subscriptions, but I can't use major platforms like Stripe due to their restrictions on NSFW content. Although my site may feature erotic imagery, there's no explicit content or illegal material. I'm searching for a payment processor that can handle potentially flagged content and allows easy integration. I'm especially interested in options that support EU businesses since my LLC is based in the USA but I have EU customers. I need something user-friendly with a clear policy to avoid any issues later on. If you have experience with payment processors that fit these criteria, I would greatly appreciate your recommendations!
2 Answers
I've been down this road before! In the U.S., your best bets are CCBILL, Epoch, and Segpay. Of these, CCBILL is the most reliable with lower fees and decent support. However, there's a hefty annual fee of $1,450 for high-risk merchants that you’ll need to pay upfront. You also need to give them access to your content and comply with KYC requirements during the sign-up process. If you’re looking for a less monitored route, consider crypto payment options as they generally require fewer direct oversight measures.
Unfortunately, most restrictions on NSFW transactions come from Visa and Mastercard rather than the payment processors themselves. Even if you find a processor that accepts it now, they might change their policy in the future under pressure. You might want to consider crypto-based solutions or direct bank transfers.
That sounds like quite the hassle! Did you run into any major issues when you set things up?