CCBill is the default adult payment processor for established U.S. paysite operators. Founded in 1998, they have processed continuously for adult merchants ever since, which is the longest tenure of any active vendor in the category. They handle the full stack: card authorization, recurring billing, chargeback management, refund processing, member-facing billing portal, and the SMR program compliance liaising with the card networks.
Fee structure. Typically 10–14% of transaction volume depending on volume tier, risk profile, and vertical. Lower than the worst high-risk alternatives, higher than mainstream processors (Stripe et al. do not accept adult). Rolling reserve of 10–15% held for 180 days. Setup is free for standard merchants.
Who it fits. Subscription paysite operators, established membership-based adult businesses, operators who value the integration depth of CCBill's billing platform and pre-built integrations with every major adult CMS. Most large adult operators run CCBill alongside one other processor for redundancy.
Who it does not fit. Pre-launch operators (CCBill underwriting is strict; expect 4–12 weeks for first approval), micro-merchants below $1K/mo (your account-manager attention will be minimal), tube-style ad-supported sites without recurring billing components (less fit; consider ad-network monetization instead).
Bottom line. The safe default for serious adult merchants. Always apply alongside at least one alternative processor — relying on any single processor as a single point of failure is the most common avoidable disaster for growing adult businesses. See our full adult payment processors comparison for the alternatives.