# Payment processing for AI content and companion apps

Merchant accounts for AI companion, chat, image and video generation apps. One KYC application to acquirers that board generative content, with failover across accounts.

Page: https://www.orchestrapay.com/regulated-industries/payment-processing-for-ai-content-and-companion-apps

## What acquirers look at

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.

## How Orchestrapay helps

1. **Acquirer Network.** One KYC application, sent to the acquirers in our network of 40+ that board AI content and companion apps, pre-matched to each acquirer's boarding rules and aware of MATCH status. Approval is always the acquirer's decision.
2. **Never depend on one processor.** Run several merchant accounts behind Smart Routing, with failover when one is paused, and keep your customers' cards in a vault you own.
3. **Keep your accounts.** Chargeback Alerts, Dispute Deflection, VAMP & MATCH Management, 3D Secure and the Antifraud Engine keep dispute and fraud ratios under the card scheme thresholds.

You must hold the licenses and registrations your markets require.

## FAQ

**Why did my processor close my AI app's account?** 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.

**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.

## Related

- [Acquirer Network](https://www.orchestrapay.com/products/acquirer-network.md)
- [Never depend on one processor](https://www.orchestrapay.com/solutions/processor-redundancy.md)
- [VAMP & MATCH Management](https://www.orchestrapay.com/solutions/vamp-match-management.md)
- [All regulated industries](https://www.orchestrapay.com/regulated-industries.md)
- [Talk to sales](https://www.orchestrapay.com/contact)