Best Adult Payment Processors 2026: CCBill, Epoch, Segpay

CCBill, Epoch, Segpay and Verotel compared for porn sites: fees, payouts, contracts and integration, plus the mainstream gateways that refuse adult content.

Short answer: CCBill, Epoch, Segpay and Verotel are the processors adult sites actually run on. Compare the setup and monthly fees, the chargeback fee, the reserve and payout schedule, and the contract length before you sign. Stripe, PayPal, Square and Braintree do not accept porn sites.

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How to compare adult payment processors

Which payment processors accept adult sites?

The processors adult sites actually run on

Every adult paysite you have heard of bills through one of a handful of high-risk processors. The four in our payment processor directory are the ones operators name first:

ProcessorWhat it is known forReview
CCBillThe long-standing standard for adult billing. Handles the join page, compliance and chargeback handling so you can focus on content.CCBill review
EpochVeteran adult processor with global coverage and multiple payment methods.Epoch review
SegpayModern adult processor with competitive rates and good developer tools.Segpay review
VerotelEurope-based adult processor popular with international creators.Verotel review

Which one is best for you depends on where you and your customers are, whether you want a hosted join page or an API, and the fee and contract terms below. Compare at least two before you sign.

Fees to compare

There are some variables to consider when you're shopping for an adult payment processor. First, check what the costs are. Is there a monthly fee, and what are the setup fees, transaction fees, and chargeback fees? Make sure you are clear on all the pricing and compare different options to get an idea of standard rates. Also, check the coverage area. Make sure your country is covered by the adult payment processor.

Porn Merchant Fees
Adult Website credt cards fees2

Adult Website credt cards fees2

Another thing to look for when you're comparing adult payment processors is the ease of use of each processor. Some providers have very advanced account management portals, and some don't. Consider how large your operation is and what features of a payment processor would be most helpful to your business.

Adult Credit Card Fees
Pornsite payments secure

Pornsite payments secure

You also want to watch out for hidden fees among different payment processors. Check to see if there are PCI compliance fees, statement fees, and monthly minimums. Also, see how monthly settlements work and check for authorization and transaction fees. You may incur early termination fees and chargeback fees, so check for these as well.

What you need to apply

You'll need a few things to create an account with an adult payment processor, including a bank account and ID. You may also have to qualify with your credit history. Underwriting for an adult merchant account is slower than for a mainstream one, so start the application in parallel with your hosting and build, not after launch.

Failover, fraud and contract length

Secure Adult Payment
Adult Website credt cards risk

Adult Website credt cards risk

Adult credit card processing is considered high-risk due to fraud and failed transactions. The nature of adult credit card processing means that you will receive more failed transactions than other mainstream industries. Having a failover offers a backup path that can process cards if the primary system does not work, and the fraud tools a processor bundles (velocity checks, address and card verification, blocklists) are worth more than a lower headline rate.

As a result of the security risks and costs associated with adult websites, many adult payment processors require long-term contracts of up to a few years. When you're looking for an adult payment processor, make sure you know what the long-term commitment is and what any penalties and cancellation fees would be if you decide to terminate the service.

Adult-friendly card processors

Possibly adult-friendly: confirm in writing before you apply

Not adult-friendly

Once you have a processor, the next problems are keeping the account: chargebacks and fraud, the card network rules for adult merchants, and wiring the billing API.

Top Picks

View all in directory →

CCBill

Featured
★★★★★9.0
Visit
EP

Epoch

★★★★★8.2
Visit
SE

Segpay

★★★★★8.0
Visit

Verotel

★★★★★7.5
Visit
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