An adult payment processor that adds a card route — without replacing what you have
RazPay accepts merchant applications from adult businesses that mainstream processors turn away. Keep your current provider and add a Visa / Mastercard route with no setup fee and no monthly fee.
- No setup fee
- No monthly fee
- Processing fee from 5.2%*
* The processing fee for high-risk products is 10%–13%.
Merchant review is required. Approval is not guaranteed.
Why adult merchants lose card sales
Most general-purpose processors list adult content as prohibited. When cards are unavailable, customers who want to pay by card simply leave — and that revenue never shows up in your reports.
Even merchants who already have an adult payment processor often depend on a single route. One review, one rule change or one termination can stop card sales overnight.
- Cards declined at checkout because of your category
- Only bank transfer or crypto offered to card-paying customers
- A single processor with no backup route
What RazPay offers adult businesses
RazPay is a card payment service for products and services that typical providers find difficult to support. Customers pay with Visa or Mastercard; behind the scenes they purchase an NFT of the same value that is exchanged for your product or service in real time.
You can use RazPay alongside your existing provider — as a second route, or as the route you open when another one is restricted.
- Applications accepted from adult and other high-risk categories
- Payment links, email payment links and API integration
- English and Japanese staff support by email
Who is not eligible
High-risk friendly does not mean no review. Illegal, unlicensed or rights-infringing content is not eligible, and we review age verification, refund and cancellation controls before approval. Approval is not guaranteed.
How RazPay works
- Customer pays by cardVisa or Mastercard on a secure checkout.
- Same-value NFTThe customer purchases an NFT of the same value.
- Exchanged in real timeThe NFT is exchanged for your product or service.
Fees & settlement
| Setup fee | $0 |
|---|---|
| Monthly fee | $0 |
| Processing fee | From 5.2% (high-risk products 10%–13%), quoted after review |
| Processing currency | MYR (Malaysian ringgit) |
| Merchant settlement | BTC · month-end closing, paid at end of following month |
Frequently asked questions
Do you accept adult websites?
Yes, adult businesses can apply. Each application is reviewed individually based on the content, sales model and operating controls. Approval is not guaranteed.
What does it cost?
There is no setup fee and no monthly fee. Processing fees start from 5.2% and are 10%-13% for high-risk products; your rate is quoted after review.
Do I have to leave my current processor?
No. RazPay can be added as an additional card route alongside your current provider.
Related pages
Add one more card route you can actually use.
No setup fee and no monthly fee. Start with a merchant review.
Apply for RazPay Merchant ReviewMerchant review is required. Approval is not guaranteed.