Creator Tech Stack
Payment Processors for Adult Creators
How to get paid when mainstream processors won’t work with you. Real-world fees, payout timelines, and adult-friendly alternatives for direct billing, subscriptions, and tips.
Why Adult Creators Need Special Payment Processors
Stripe, PayPal, Square, and Venmo all prohibit adult content in their Terms of Service. Use them for creator income and risk account suspension with funds frozen.
This guide covers adult-friendly payment processors that actually welcome creator businesses—including direct billing options, subscription tools, and alternative payment methods.
Quick Comparison Table
| Processor | Transaction Fee | Payout Speed | Best For |
|---|---|---|---|
| CCBill | 10.5-15% | Weekly | Direct billing, subscriptions, high-volume |
| Segpay | 12-15% | Bi-weekly | Subscriptions, international sales |
| Paxum | 2-3% | Instant (wallet) | Wallet transfers, platform payouts |
| Cosmo Payment | 3-5% | Instant (wallet) | Wallet, debit card, low fees |
| CashApp | 2.75% (business) | Instant | Tips, one-time payments (gray area) |
| Cryptocurrency | Varies (network fees) | Instant (blockchain) | Privacy, international, no chargebacks |
Payment Processor Deep Dives
🔵 CCBill
The industry standard for direct billing. CCBill is the most established adult payment processor, handling billions in transactions annually for creators and adult businesses.
Fees & Payouts
- Transaction Fee: 10.5% (high-risk merchant accounts) to 15% (standard)
- Setup Fee: Varies by account type
- Payout Schedule: Weekly (NET-7 or NET-14)
- Minimum Payout: $50
- Payout Methods: Direct deposit (ACH), wire transfer, check, Paxum
Features
- Subscription billing (recurring payments)
- One-time purchases
- Upsells and cross-sells
- Fraud protection and chargeback mitigation
- Multi-currency support
- Affiliate tracking tools
- FlexForms (custom payment pages)
Pros
- ✅ Most established processor in adult industry
- ✅ High approval rates for legitimate adult businesses
- ✅ Handles chargebacks and fraud protection
- ✅ International customer support
- ✅ Reliable payouts for 25+ years
Cons
- ❌ 10-15% fees are steep (vs 3% on mainstream processors)
- ❌ Application process can be slow
- ❌ Requires business documentation and verification
- ❌ Chargeback reserves can tie up funds
Bottom line: CCBill is the gold standard if you’re running your own membership site, subscription service, or selling digital products directly. The fees are high, but the reliability and fraud protection justify the cost.
🟢 Segpay
CCBill’s main competitor. Segpay offers similar features with a slightly different fee structure and faster international payouts.
Fees & Payouts
- Transaction Fee: 12-15%
- Payout Schedule: Bi-weekly or weekly (depending on account type)
- Minimum Payout: $100
- Payout Methods: Wire transfer, ACH, Paxum, check
Features
- Subscription billing
- One-time payments
- Alternative payment methods (prepaid cards, mobile billing)
- Multi-currency support (40+ currencies)
- Fraud screening and chargeback protection
- API integration for custom sites
Pros
- ✅ Strong international support (Europe, Latin America, Asia)
- ✅ Alternative payment options (mobile billing, prepaid)
- ✅ Competitive with CCBill
- ✅ Good customer support
Cons
- ❌ Higher minimum payout ($100 vs $50 on CCBill)
- ❌ 12-15% fees similar to CCBill
- ❌ Less established than CCBill
Bottom line: Segpay is a solid CCBill alternative, especially if you have international customers. Similar fees, but better for European/global markets.
💳 Paxum
Adult-friendly e-wallet. Paxum is the primary payout method for most adult platforms (ManyVids, Clips4Sale, cam sites) and offers a debit card for easy spending.
Fees & Payouts
- Receiving funds: Free (from most platforms)
- Withdrawal to bank: $2-3 per transfer
- Debit card: Available (fees for ATM withdrawals)
- Sending money: 2-3%
- Payout Speed: Instant (within Paxum wallet)
Features
- E-wallet for adult industry payments
- Integrated with major adult platforms
- Debit card (Mastercard)
- Multi-currency accounts
- Mobile app
Pros
- ✅ Accepted by nearly all adult platforms
- ✅ Free to receive funds from platforms
- ✅ Debit card lets you spend directly
- ✅ Fast transfers between Paxum users
- ✅ Good for international creators
Cons
- ❌ Withdrawal fees add up if you transfer to bank often
- ❌ Account freezes can happen (rare but disruptive)
- ❌ Customer service can be slow
- ❌ Not available in all countries
Bottom line: Paxum is essential for adult creators. Most platforms pay out to Paxum, and the debit card makes spending easy. Keep one for platform payouts even if you prefer other methods.
🟣 Cosmo Payment
Lower-fee alternative to Paxum. Cosmo Payment is another adult-friendly e-wallet with competitive fees and a debit card option.
Fees & Payouts
- Receiving funds: Free (from platforms)
- Withdrawal to bank: ~$3
- Debit card: Available (Visa)
- Sending money: 3-5%
- Payout Speed: Instant (within wallet)
Pros
- ✅ Accepted by many adult platforms
- ✅ Lower fees than Paxum in some cases
- ✅ Debit card option (Visa)
- ✅ Multi-currency support
Cons
- ❌ Less widely accepted than Paxum
- ❌ Smaller user base
- ❌ Limited country availability
Bottom line: Good as a Paxum alternative if your platforms support it. Lower fees in some cases, but less universally accepted.
💚 CashApp (Gray Area)
Technically prohibited, widely used anyway. CashApp’s TOS prohibit adult content, but many creators use it for tips and one-time payments. Risky but common.
Fees & Payouts
- Personal transfers: Free
- Business account: 2.75% per transaction
- Instant transfer to bank: 1.75%
- Standard transfer: Free (1-3 business days)
Pros
- ✅ Low fees (2.75% vs 10-15% on adult processors)
- ✅ Instant transfers
- ✅ Easy for fans to use (mainstream app)
- ✅ No approval process
Cons
- ❌ Against TOS — account can be banned
- ❌ Funds can be frozen with no recourse
- ❌ No chargeback protection
- ❌ Risk of losing money in your account
Warning: CashApp bans adult creators without warning. Only use for small tips, never rely on it for business income. Transfer funds out immediately.
₿ Cryptocurrency
Privacy-first, no gatekeepers. Bitcoin, Ethereum, and other cryptocurrencies offer complete payment freedom with no adult content restrictions.
How It Works
- Customer sends crypto to your wallet address
- You receive funds instantly (after blockchain confirmation)
- Convert to cash via exchange (Coinbase, Kraken, Binance)
- No chargebacks — transactions are final
Fees
- Network fees: $1-10 per transaction (varies by network congestion)
- Exchange fees: 0.5-2% to convert to cash
- Total cost: Usually 2-5% all-in
Pros
- ✅ No adult content restrictions
- ✅ Anonymous/pseudonymous transactions
- ✅ No chargebacks
- ✅ Global, no borders
- ✅ Lower fees than CCBill/Segpay
Cons
- ❌ Price volatility (crypto value fluctuates)
- ❌ Learning curve for non-crypto users
- ❌ Tax reporting complexity
- ❌ Not all fans know how to use crypto
Bottom line: Crypto is great for privacy-focused creators or international transactions. Best as a supplement to traditional payment methods, not a replacement.
Which Payment Processor Should You Use?
If you’re on OnlyFans, Fansly, or clip sites:
You don’t choose — platforms handle payments. Set up Paxum for payouts. Most platforms pay directly to Paxum.
If you’re running your own membership site:
Use CCBill or Segpay for direct billing and subscription management. The 10-15% fees hurt, but they’re industry standard.
If you sell customs or take tips:
Paxum for safe transactions. CashApp for small tips (with caution). Crypto for privacy-focused buyers.
If you have international customers:
Segpay for better international support, or cryptocurrency for borderless transactions.
Payment Stacking: Offer Multiple Options
Don’t rely on one payment method. Different buyers prefer different options. Here’s a smart multi-method approach:
Recommended Payment Stack
- Primary: Platform-integrated (OnlyFans, ManyVids, etc.)
- Direct billing: CCBill or Segpay (if running your own site)
- Wallet: Paxum (for platform payouts)
- Tips: CashApp (small amounts only, acknowledge the risk)
- Privacy option: Bitcoin or Ethereum (for crypto-savvy buyers)