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There was a thread on this a year ago [1]. The leading theories seem to be that they use Stripe for SFW content and others (ex. CCBill) for NSFW content. [1]:

There was a thread on this a year ago [1]. The leading theories seem to be that they use Stripe for SFW content and others (ex. CCBill) for NSFW content. [1]: https://news.ycombinator.com/item?id=24291790 https://news.ycombinator.com/item?id=24291790

fumar 5y ago
Stripe should solve for nsfw paid content. That industry is ripe for disruption.
- devrand 5y ago
  The problem is that the industry is ripe with fraud, even from what were legitimate customers. I listed some examples elsewhere, but I'll repeat: * Money laundering by people making anonymous accounts with stolen credit cards and then selling them to people using crypto (so that they're not associated with the account). * Customer's spouses/SO finding out about it and the customer claiming fraud to chargeback and cover it up. * (More OF specific) Customers making a large payment for custom content and then filing a chargeback after they get it. This is more or less a problem with all digital goods, but probably more of a problem with custom content. Most banks/payment processors don't want to touch this industry since it poisons their image to others in the network. For example, if Stripe started serving the industry and fraud went up, that ruins Stripe's image to all the banks they interconnect with. It's just segment that isn't worth serving at the expense of all your other markets. Even if someone made a bespoke payment processor for the industry, banks would just stop working with them. In reality, the fraud problem really needs to be dealt with first. If your "customers" are going to be bad actors then there's really nothing you can do on the payment side to solve that.
  - joshmn 5y ago
    You don’t even need an anonymous account as much as you just need an account: they have plausible deniability. Chaturbate had this issue some years ago where entrepreneurial individuals would just go direct to the model for a cut.
  - deleted 5y ago
    [deleted]
- mbesto 5y ago
  Stripe has more than enough runway in non-nsfw markets to disrupt. NSFW is a hard (read -> $$$) problem to solve. This would be a financially stupid (read -> poor ROI) endeavor to pursue for them.

fumar 5y ago

Stripe should solve for nsfw paid content. That industry is ripe for disruption.

devrand 5y ago
The problem is that the industry is ripe with fraud, even from what were legitimate customers. I listed some examples elsewhere, but I'll repeat: * Money laundering by people making anonymous accounts with stolen credit cards and then selling them to people using crypto (so that they're not associated with the account). * Customer's spouses/SO finding out about it and the customer claiming fraud to chargeback and cover it up. * (More OF specific) Customers making a large payment for custom content and then filing a chargeback after they get it. This is more or less a problem with all digital goods, but probably more of a problem with custom content. Most banks/payment processors don't want to touch this industry since it poisons their image to others in the network. For example, if Stripe started serving the industry and fraud went up, that ruins Stripe's image to all the banks they interconnect with. It's just segment that isn't worth serving at the expense of all your other markets. Even if someone made a bespoke payment processor for the industry, banks would just stop working with them. In reality, the fraud problem really needs to be dealt with first. If your "customers" are going to be bad actors then there's really nothing you can do on the payment side to solve that.
- joshmn 5y ago
  You don’t even need an anonymous account as much as you just need an account: they have plausible deniability. Chaturbate had this issue some years ago where entrepreneurial individuals would just go direct to the model for a cut.
- deleted 5y ago
  [deleted]
mbesto 5y ago
Stripe has more than enough runway in non-nsfw markets to disrupt. NSFW is a hard (read -> $$$) problem to solve. This would be a financially stupid (read -> poor ROI) endeavor to pursue for them.