Cardflo
CREATOR PLATFORMS
cardflo.io
Cardflo · Smarter Payments Built Around You
01 / 12

Connect viewer payments
to accountable creator payouts.

Cardflo is your payments partner for adult creator marketplaces, matching suitable acquirer partners and connecting eligible viewer payments through smart routing.

TransactionROUTING
Matched payment routes
Primary partner
Matched
Backup partner
Ready
Cascade route
On decline
One connection50+ partners
The payment problem
Cardflo
CREATOR PLATFORMS
cardflo.io
Cardflo · Smarter Payments Built Around You
02 / 12

A paid clip creates more than a card transaction.

1Unverified payout recipients

Partners reject applications when creator identity and bank ownership cannot be linked.

2Missing performer consent

Uploaded media lacks retained consent or rights evidence for everyone featured.

3Unclear commission splits

Fees, contributor shares and fund holds are not explained in contracts or settlement records.

4Weak content moderation

Poor review and takedown procedures leave prohibited or non-consensual uploads exposed.

5Issuer restrictions

Adult content restrictions or unmet authentication requests can stop otherwise valid purchases.

6Disputed clip purchases

Unclear descriptors and missing access logs make pay-per-view disputes harder to defend.

Why it matters
Cardflo
CREATOR PLATFORMS
cardflo.io
Cardflo · Smarter Payments Built Around You
03 / 12

Match the adult marketplace model, then connect the money movements.

Cardflo aligns partner selection with recorded content sales, contributor governance and settlement responsibilities. Pay-in eligibility and payout readiness remain separate decisions.

Adult marketplace fit

Match merchant accounts to recorded media, tips and multi-contributor revenue models.

Payment visibility

Review viewer payment activity through centralised payment reporting.

Clear payout responsibilities

Your platform and payout providers remain responsible for contributor checks.

Market-aware pay-ins

Select approved routes using viewer location, currency and card type.

Transaction reporting

Review payment processing activity across connected routes.

Cross-border acceptance

Match acquirer partners to your viewer markets, currencies and payment requirements.

How it works
Cardflo
CREATOR PLATFORMS
cardflo.io
Cardflo · Smarter Payments Built Around You
04 / 12

From a viewer's clip purchase to a suitable payment processing route.

Viewer purchaseClip, market, currencyMerchant profileContent and sales modelPartner requirementsMarkets and payment methodsCARDFLOEligibility · Orchestration · ControlCardflo viewer payment orchestrationEligible paymentApproved partner routeSmart routingSuitable processing connectionEligible failoverAlternative approved routeAcquirer partners set eligibility and settlement terms. Your platform and payout providers handle creator verification, revenue allocation and transfers.
Platform overview
Cardflo
CREATOR PLATFORMS
cardflo.io
Cardflo · Smarter Payments Built Around You
05 / 12

One orchestration layer for viewer payments and routing.

One platform
8
relevant controls
Merchant matching
Find partners for adult UGC sales.
Pay-in routing
Use approved market and currency routes.
Eligible cascading
Retry only where scheme rules permit.
Payment reporting
Review activity across connected routes.
Chargeback alerts
Receive alerts to support dispute handling.
Payment method coverage
Access partners offering 400+ payment methods.
Fraud screening
Screen viewer payments for fraud signals.
Tipping fraud rules
Flag unusual tips and velocity spikes.
A payment, recovered
Cardflo
CREATOR PLATFORMS
cardflo.io
Cardflo · Smarter Payments Built Around You
06 / 12

Recover eligible payments without bypassing adult content restrictions.

Authenticate when requested
An authentication decline needs the required 3DS step, not a blind retry elsewhere.
Cascade with permission
Retry eligible failures only on approved adult routes and within scheme retry rules.
Keep payout gates intact
A successful viewer payment does not clear an unverified contributor for payout.
Transaction journey
01Viewer selects a creator's recorded clip
02Choose an approved adult content route for this market
03Primary partner route is offline at checkout
04Cardflo checks whether another route can help
05Fail over to another approved creator route
Routing with context
Cardflo
CREATOR PLATFORMS
cardflo.io
Cardflo · Smarter Payments Built Around You
07 / 12

Viewer country and currency: route with context.

Payment signalRouting responseCommercial reason
Viewer country and currencyChoose an approved adult content routeRespect market and partner eligibility
Authentication requiredRequest the required 3DS authenticationResolve the issuer's authentication need
Eligible temporary processing failureCascade within scheme retry rulesRecover without duplicate collection
Adult content policy restrictionStop rather than cascadeDo not bypass issuer or partner policy
Underwriting readiness
Cardflo
CREATOR PLATFORMS
cardflo.io
Cardflo · Smarter Payments Built Around You
08 / 12

Show partners who sells, who consents and who receives the funds.

Company KYB, UBO records and creator KYC procedures

Performer identity, consent and content rights records

Moderation, reporting and takedown procedures

Funds flow map, commission terms and holding responsibilities

Payout provider contracts and beneficiary ownership checks

Typical merchant category codes
5815Digital Goods, Media, Books, Movies, Music
5818Digital Goods, Large Digital Goods Merchant
5969Direct Marketing, Other Direct Marketers (NEC)
5967Direct Marketing, Inbound Telemarketing
Prepared around your model, markets and controls.
Onboarding flow
Cardflo
CREATOR PLATFORMS
cardflo.io
Cardflo · Smarter Payments Built Around You
09 / 12

Start with governance and funds flow, not just a checkout integration.

01
Map
Business model and markets
02
Evidence
Review consent and funds flow
03
Match
Match adult marketplace routes
04
Integrate
Checkout, API or plugin
05
Validate
Test rules and descriptors
06
Optimise
Monitor routes and disputes
Whole of market
Cardflo
CREATOR PLATFORMS
cardflo.io
Cardflo · Smarter Payments Built Around You
10 / 12

The right merchant account fits both the content and the settlement model.

Cardflo matches operators with acquirer partners that assess adult UGC governance and multi-party settlement. MCC 5815 or 5818 may fit recorded digital media; 5969 or 5967 may apply to other sales models. Acquirer partners determine classification, not routing preferences.

Your business
Merchant profile
Sales modelRecorded clips, galleries and audio
Content governanceConsent, rights and moderation evidence
Settlement modelPlatform fee plus contributor shares
Geographic scopeViewer markets and creator jurisdictions
Adult digital media partner
Candidate fit for approved recorded content sales
Matched
Alternative acquiring partner
Candidate fit for eligible viewer payment processing
Matched
Retail-only acquirer
No appetite for adult UGC or contributor settlement
No match
Commercial value
Cardflo
CREATOR PLATFORMS
cardflo.io
Cardflo · Smarter Payments Built Around You
11 / 12

Give finance and payment teams a shared view of creator revenue.

Acquirer partners
50+
Plus 400+ payment methods through one connection.
Understand payment activity
Review viewer transactions across connected routes through payment reporting.
Reduce manual monitoring
Use fraud screening and chargeback alerts to support payment operations.
Review processing performance
Give finance and payment teams a shared view of activity across acquiring partners.
Strengthen partner reviews
Present governance evidence and settlement responsibilities as one coherent model.
Prepare eligible alternatives
Reduce reliance on one pay-in connection without concealing adult content activity.
Expand with clearer checks
Assess payout coverage and partner requirements before adding creator markets.
Cardflo
CREATOR PLATFORMS
cardflo.io
Cardflo · Smarter Payments Built Around You
12 / 12

Connect creator sales to suitable payment partners.

Bring your content model, consent controls, processing history and funds flow. Cardflo will help identify suitable acquirer partners and configure eligible viewer payment routing and failover.

Submit your application →cardflo.io
Adult marketplace merchant account matchingCentralised viewer payment reportingSmart routing and eligible payment failover