Does adult AI content change things?

Yes. If your app can produce adult content, expect adult-merchant requirements, including card scheme registration and age verification.

What should my moderation evidence include?

Your acceptable use policy, how prompts and outputs are filtered, how flagged content is reviewed, and how quickly you take content down.

Can I keep subscribers if an account is paused?

Yes. Cards live in your vault and routing fails over to your other accounts, so renewals keep going through.

How do I reduce disputes on subscriptions?

Clear descriptors, reminders before renewals, Chargeback Alerts and Dispute Deflection catch most disputes before they count.

AI Content & Companions

Payment processing for AI content and companion apps

Generative content apps get dropped by processors that cannot review what users create. One application reaches the acquirers that board you, and several accounts keep subscriptions running.

Talk to sales What acquirers need

Your AI Content & Companions application

Matched to each acquirer's boarding rules

Acquirer A
United States
Checking
Acquirer B
United Kingdom
Checking
Acquirer C
European Union
Checking
Acquirer D
United States
Checking
Acquirer E
European Union
Checking

What acquirers look for

What an acquirer checks before boarding AI content and companion apps.

AI apps that generate images, video or companion chat are reviewed on what the model can produce. Acquirers want to see content policies, moderation, and how you stop prohibited output, especially where adult content is allowed.

Acceptable use policy

A published policy listing what users may and may not generate, enforced in the product.

Moderation

Prompt and output filtering, human review for flagged content, and a takedown process.

Prohibited content controls

Blocks on illegal content, real-person likeness abuse and non-consensual imagery.

Age gating where adult content is allowed

Age verification and, for adult output, the same registration adult merchants need.

Subscription hygiene

Clear pricing, easy cancellation and recognisable billing descriptors.

You must hold the licenses and registrations your markets require. Approval is always the acquirer's decision; we make sure your application reaches the ones whose rules it fits.

How Orchestrapay helps

Get approved, stay live, keep the accounts.

Get boarded

Fill in one KYC application. We pre-match it to the boarding rules of each acquirer in our network of 40+ that boards AI content and companion apps, taking MATCH status into account, and send it only where it fits.

Acquirer Network

Never depend on one account

Run on several merchant accounts at once. Smart Routing splits traffic and fails over when one is paused, and your customers' cards stay in a vault you own.

Keep your accounts

Stay under the card schemes' dispute and fraud thresholds with alerts that stop disputes early, deflection that stops them being filed, and 3D Secure where fraud risk is high.

What AI content and companion apps ask us.

Processors that cannot review generated content often treat it as unacceptable risk. Acquirers in our network that board generative content look at your policies and moderation instead.

Other regulated industries

AdultMerchant accounts for adult websitesLearn more

iGaming & BettingPayment processing for iGaming and bettingLearn more

Tobacco & VapesMerchant accounts for vape and tobacco shopsLearn more

Tell us about your ai content & companions business.

Share what you sell, where, and how you process today. We will tell you which acquirers in our network are a realistic match before you fill in anything else.

One application, many acquirers
Matched to boarding rules before it is sent
Several accounts behind one integration