Adult content & services
High refund tolerance, zero acquirer tolerance.
Adult is one of the oldest online-commerce verticals and one of the most consistently de-platformed. Card-brand registration, elevated chargeback ceilings, and content-based restrictions mean adult merchants pay more, get watched harder, and lose accounts faster than almost anyone.
High-risk
Card-brand registered by default
Friendly
Fraud that isn't fraud, still counts
Multi-MID
Volume balanced under ceilings
Why you get flagged
Normal for the vertical. Anomalous to the model.
These are the patterns generic risk engines punish — even though every one of them is standard operating procedure for adult merchants.
Recurring membership churn
Subscription joins and cancels cluster disputes in ways generic models read as unauthorized recurring billing.
"Friendly fraud" chargebacks
Buyer's-remorse and privacy-driven disputes inflate chargeback ratios even when the transaction was completely legitimate.
Card-brand high-risk registration
Mandatory high-risk program fees and monitoring put every ratio under a microscope from day one.
How NeverDown helps
Routing built for how adult actually operates.
We sit above the processors you already hold and keep you live through the flags, freezes, and terminations this vertical sees more than any other.
Stay under high-risk monitoring ceilings
Health-aware routing spreads volume so no registered MID breaches the chargeback thresholds that trigger fines or termination.
Keep memberships billing through a drop
Tokenized cards let recurring memberships fail over to a healthy account instantly — no lapse, no re-collection, no churn spike.
Own your dispute evidence
An independent record of every transaction and chargeback survives termination, so representment doesn't die with the account.
Stop betting your revenue on one processor.
Bring the accounts you already hold. We'll route across them, keep an independent record, and keep you processing through the next termination event.
V1 onboarding · Stripe, Authorize.net, NMI, Maverick Bancard