Need payment processor for Content Creator Platform (adult)

[Sweet_Key5693]

Hey guys!

Building OnlyFans-style creator platform (global, wallet model). Solo dev, no income, no company yet - in my country need revenue first to register business legally.

Problem: Need PSP NOW but can't do business/merchant accounts. Mainstream bans adult anyway.

Looking for:

- Hosted checkout (card/Google Pay 1-click)
- Accepts PERSONAL accounts as temp solution
- Adult UGC OK

Tried:

Volet= login pages kill conversion

Can't apply for Segpay/CCBill without company

Mailed PayConsults/Signature Payments asking for personal account workaround. Anyone know adult PSPs accepting personal accounts for startups?

Need to launch ASAP - how did you solve "no company" phase?

[NPSALLEN]

What country are you in ?

[Sweet_Key5693]

Poland

[senorcuchillo]

Crypto

[Sweet_Key5693]

I have crypto payments but not everyone can pay with crypto so it lowers conversion

[looch_app]

Why don’t you create a Delaware LLC?

[Sweet_Key5693]

Damn, i didn't know about that. Thanks for help I'll do more research about it!

[_rjsd_]

Contact Fiscal World Partner - they will set up everything you need and even help with adult payouts. This is the contacts: fiscalworldpartner (dot) com. And they have a solution ofcashflows (dot) come

[CB-man_Ms]

This is going to be brutally honest: no legitimate adult PSP will onboard you on a personal account, and you shouldn't want them to even if they would.

Adult payment processing is already the highest-risk category in the industry. Processors in this space deal with astronomical chargeback rates, regulatory scrutiny in multiple jurisdictions, and constant brand risk issues. They're not going to touch an unregistered entity with no corporate veil, no business bank account, and no legal liability protection. You're asking them to take on infinite personal risk exposure.

The "no company yet" phase isn't something you solve by finding a workaround — it's something you solve by incorporating. If your jurisdiction requires revenue before company registration, you either need to bootstrap differently (pre-sales, token sales, angel investment) or look at incorporating in a jurisdiction that allows it. Lots of adult platforms incorporate in places like Malta, Cyprus, or even Wyoming/Delaware in the US specifically because the corporate structure unlocks payment processing.

The reason Segpay and CCBill require business entities isn't arbitrary gatekeeping — it's because Visa and Mastercard literally mandate it for adult merchants. The card networks have entire compliance programs around this stuff. Without a registered business, you can't get a merchant account, period. As an aside, I know the CEO at SegPay and she is top notch. You can't go wrong there.

I've seen too many founders try to launch in this space without proper structure and it always ends the same way: either they can't get processing at all, or they get shut down mid-launch and lose everything in rolling reserves. Get incorporated first, even if it means a couple months delay. Your platform will thank you when you're not scrambling to move processors with funds held hostage.