An adult-content application should explain the service, who creates and uploads content, who receives customer funds, and which controls are in place. A creator, platform, agency, and marketplace can require different account arrangements. Cybin can help present the actual model for a provider review.
Document content control and consent
Mastercard’s published merchant security rules include requirements for non-face-to-face adult content and services, including content-provider agreements, documented consent, and complaint and removal processes. Review the applicable version and the acquirer’s requirements for your service. Do not treat a payment gateway’s availability as evidence that these conditions are satisfied.
- Who may create or upload content and how the relevant age and identity checks are performed.
- How consent and distribution permissions are recorded and reviewed.
- How content is reviewed, monitored, removed, and appealed.
- How complaints about unlawful or nonconsensual content reach an accountable reviewer.
- How creator agreements and records are retained and protected.
Make the customer’s payment understandable
Describe one-time purchases, subscriptions, tips, credits, or other payment types separately. Show the amount, recurrence, statement descriptor, cancellation path, refunds, and support contact. Keep evidence of purchase consent and delivery or access appropriate to the service; do not assume an access log alone resolves a dispute.
Explain any creator or third-party payouts
Map which entity sells to the customer and which parties receive funds. Confirm that the provider supports the actual marketplace or payout arrangement before building it. An account approved for one merchant’s own sales should not be assumed to cover sales collected for unrelated parties.
Compare acceptance and account conditions
- The specific content and services accepted, markets served, and billing models approved.
- Processing volume, transaction sizes, fees, reserve conditions, and funding.
- Required controls, review responsibilities, and notifications when the service changes.
- Gateway features, reporting, dispute handling, and support escalation.
Apply through Cybin
Share the website, business model, actual or expected volume, and current processing needs. Cybin can discuss processor fit and application preparation. The processor or acquiring bank determines approval and account terms; a service agreement cannot guarantee compliance or permanent account availability.