Why this is classified high risk
MCC 5967 (adult digital goods) and adult dating carry some of the highest structural chargeback exposure in card processing — friendly fraud and "I don't recognize this charge" disputes are routine. Generalist processors won't accept the risk.
Adult-specialized acquirers price for the vertical, tolerate higher chargeback ratios, and provide the recurring billing infrastructure that subscription content sites require.
Features included
Subscription, PPV, and pay-per-minute billing with retry logic.
60+ currencies for global content platforms.
Pre-dispute deflection critical for adult chargeback ratios.
Generic descriptors reduce 'don't recognize charge' disputes.
Pricing factors
Adult pricing ranges 4.45% – 6.95% + $0.30 with 10% rolling reserves for 180 days. Established platforms with strong cohort retention step down over time.