If you are reading this, you are probably having trouble finding a payment processor that fits your needs. Payment processors for high-risk businesses such as gamble, adult digital content or physical products have a range of prices. What you are looking for is a bank and a fraud prevention solution that can conduct payment transactions, protect you from chargeback and spam payments. I tried to ask for recommendations on subreddit, r/PaymentProcessing, but I got flooded with brokers trying to pitch their services instead. So I spent the time asking every company I could find and here are my findings.
When comparing fees, use Stripe pricing as a benchmark. Stripe processing fees is 2.9% + 0.3 and 4.4% for international transactions. Note that fraud prevention, Radar, is included, so you do not have to look for extra protection when using Stripe. From personal experience, Radar isn't full proof against stolen credit cards or other scams, it is best if you can pair it up with Fingerprint or Persona if you can afford it.
🔒 Fraud Prevention Solutions
1. Fingerprint
- Only offer solution to track website or APP user behavior
- $99/month for 20,000 API calls (≈$0.00495/call)
- $4 per additional 1,000 API calls
2. Persona
- KYC/identity verification across global users
- Supports collection, verification, storage, and analysis of ID data
- Starting fee is $250 per month
3. Kount
- Enterprise-level fraud prevention solution for eCommerce and subscriptions.
- Monthly free is $250 USD plus $0.1 per transaction
4. Cybersource
- Enterprise-level fraud prevention solution for eCommerce and subscriptions
- Owned by Visa
- If you work with a broker, you have to pay around $50 CAD.
💳 High-Risk Merchant Payment Processors
Most payment processors in the states require the business to be in United States or someone can sign it off for you. The average percentage fee depends on what level of risk the processors need to take, for example, high-risk would be 5-6% while adult related transaction is 10-15%. If you cannot afford much fee structure, please read the how OnlyFans works article for insight or contact me for more information.
✅ US-Focused (Require US entity or signer)
- Host Merchant Services – US only
- Payment Nerds – Requires US signer
- PayKings – US only
- Corepay – US, EU, UK only
- EMerchant Broker – Not in Canada
- Payment Cloud Inc. – US-focused
- NetBilling – Only supports US partners for adult content
- Epoch – Doesn't support China or most Asian countries
- Segpay – Supports US/UK/EU; many user complaints online
✅ Global/High-Risk Friendly
- CCBill (Used by OnlyFans)
- Low Risk: 3.9% + $0.55
- High Risk: 5.9% + $0.55
- Adult: 10.8–14.5%
- Visa/MC brand fees (annual): $950 Visa / $500 MC (not charged by CCBill)
- No MC support for Canadian adult merchants
- Verotel
- 4.9–12.9% fee for adult content
- Netherlands-based
- Supports subscription models
- CCBi
- 4.9–12.9% processing fee
- Supports Visa, MC, Discover, JCB
- High-risk focus (adult, subscription, livestreams)
- Strict compliance and low chargeback tolerance
- Payze
- Based in Georgia
- Supports adult, dating, VPN, crypto
- EU/US corp required
- BlueSnap
- 2.9% + $0.30 in Canada
- High-risk industries allowed
- ACH, SWIFT, cards supported
🌍 International & Asia-Based Processors
- QuadraPay – India-based
- Redde – 2.9% + $0.30, but does not accept adult (including drawn content)
- AsiaBill – For adult content, $1,000 annual fee, 3.4% + $0.30, EU only
- Ctopay / AsiaPay / Paycos – Status unclear or outdated contact
- WebPays (Netherlands) – No response
🧾 Fintech Aggregators / Multi-Processor Platforms
GetOpenPay.com
- $199/month + 0.5% per transaction (in addition to processor fees)
- Processors supported: Stripe, Checkout.com, Airwallex, Adyen, PaySafe, Shift4, WorldPay
- Dual-layer fraud prevention: internal + processor-level
- No discounts below $10M annual volume
Adyen
- Allows some adult content (case-by-case)
- Supports Alipay, WeChat Pay, major cards
- Extensive country and currency coverage
- Must comply with restricted content policy
🪙 Crypto On-Ramp / Off-Ramp
Crypto.com Pay
- 3.99% transaction fee + network fee
- Supports: Visa, MC, UnionPay, JCB, PayPal
- Available in HK, EUR countries, Japan supported
MoonPay
- Up to 4.5% card or PayPal fee
- Not supported in China or Japan
- Converts fiat → USDT → your platform wallet
Coinbase Commerce
- 0% fee for USDC on/off-ramps
- Limited to Coinbase Wallet only
Apaylo (Canada)
- Vaughan-based
- E-transfer only; no credit card gateway
💳 UnionPay & Asia-Based Credit Processing
Snappay / OTT
- UnionPay integration
- Specific to Canadian Chinese merchant use
- Offers UnionPay processing
Airwallex
- Does not operate in Canada
- Only provide payout feature and does not have processing feature yet
