Adult & dating
Adult merchant accounts
Commonly assigned MCC
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The category actually assigned is set by the acquirer at boarding and can differ from these.
The short version
Adult is not prohibited — it is programmed. The card networks operate registration regimes for adult content merchants with defined obligations around age verification, documented consent for every performer, and content-removal processes with fixed response times.
Merchants inside those programmes are boardable. The compliance obligations are ongoing rather than one-off, and the registration fees are a real line item on the account.
What is actually being priced
What underwriting is looking at.
Brand registration required
Registration with the applicable card-brand programme is a condition of acceptance, with annual fees attached.
Consent and age documentation
Documented consent and age verification for every performer in every piece of content is an audited obligation.
Descriptor privacy
Descriptors that reveal content on a shared statement drive disputes independent of any fraud.
What we put in place
- Placement with acquirers registered under the relevant brand programmes
- Registration and ongoing compliance handled as part of the account
- Discreet descriptor and receipt configuration
- Recurring billing with account updater and self-service cancellation
What underwriting will ask you for
Assemble these before you apply anywhere. The list does not get shorter by waiting, and having it ready is the single biggest thing you control about how long this takes.
- Content moderation, consent and age-verification processes
- Existing brand registrations if any
- Traffic sources and geographic mix
- Processing history and chargeback ratio
On this account
What a boarded account in this vertical usually carries.
Also in adult & dating
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