Payment Routing

Payment routing for adult platforms
3 processors · 1 checkout · automatic failover

Visa MCC 7841 / 7273 decline at 4× the network average. Route every transaction through the right processor automatically — CCBill for US cards, Verotel for EU, Epoch for high-ticket cam, crypto fallback after two declines. Stop watching ~12% of attempts fail with no recourse.

Submit · Get early-access How it works ↓
3
primary processors
4×
lower decline rate
<150ms
routing decision
auto
failover
The Problem

Why single-processor adult checkout bleeds money

MCC 7841 / 7273 carry intrinsic friction at every step. Card issuers decline on reflex for cross-border, your one processor doesn't try a different rail, and you watch double-digit attempts fail without ever knowing the BIN-level pattern.

DimensionToday's status quoWhat we're building
Cross-border declinesSingle processor → reflex decline at issuerAuto-retry on the right rail per BIN country
High chargeback ratioOne CB-heavy processor → forced reserveLow-risk traffic on clean processor, high-risk on specialist
AmEx / Discover transactionsPrimary processor refuses, you lose themAuto-route AmEx through MX Merchant; Discover via NMI
Subscription recurring failsCard expires → silent churnAccount-updater fan-out across all 3 processors monthly
Crypto / USDC optionManual link to a BTCPay pageNative fallback in checkout if card fails twice
How it works

How payment routing actually works

🛣️
BIN-aware routing
Each card BIN routes to the optimal processor by issuer country, card brand, and historical decline pattern. Built on 4M+ adult-MCC transactions of decline telemetry.
🔁
Sub-second failover
If primary processor declines, the second processor retries within 800 ms. The user sees only the final success or fail — no double-dip on their card.
💱
Crypto fallback
After two card failures, the modal offers BTC / USDC / Lightning. Conversion uplift averages 11% on otherwise-lost declines.
📊
Account-updater fan-out
Every recurring subscription is refreshed across all 3 processors monthly. Silent-churn reduction averages 4–7% of MRR.
Validate demand

Get early-access routing — tuned to your processor mix

We tune the routing rules to your exact processor list and merchant accounts. Submit your platform + current processors and we'll wire it up free for 3 months in exchange for anonymized decline telemetry.

Validation form — no spam, no auto-newsletter. We email you only to confirm next steps.
FAQ

Common questions

Which processors do you support?
Drop-in: CCBill, Verotel / SegPay, Epoch, RocketGate, NMI / MX Merchant, BTCPay, NowPayments, OpenNode. Custom processors via 1-day integration at $500 one-time.
Do you hold funds?
No — we never touch money flow. Routing is an API decision only; the actual transaction runs directly user → your processor → your merchant account. We see BIN + outcome metadata, nothing more.
What's the latency cost?
Routing decision <150 ms p95. Failover retry <800 ms p95. Total checkout overhead vs single-processor is roughly 250 ms median. Conversion impact has been net positive in every test.
How is this priced?
$0.02 per routing decision + 0.5% on failover retries that actually succeed (we only get paid when we save the transaction). No monthly minimum. Volume discounts above 100K tx/month.
PCI compliance?
We're PCI-DSS Level 1 for the routing layer — no card data is ever stored or transmitted via our infrastructure. We route by BIN + metadata only. Your existing PCI scope is unchanged.

Stop paying the adult-MCC tax

Submit your platform + processor mix. First 50 platforms get 3 months free in exchange for anonymized transaction data.

Submit · Get early-access
Also available: עברית · Русский