{
  "batch": "55-payment-rails-wide",
  "articles": [
    {
      "id": "learn_r55_payment_rails_wide_processor_stripe",
      "category": "Business",
      "title": "Stripe: prohibited businesses and adult content policy",
      "summary": "Stripe explicitly prohibits adult content and services, including pornography, mature audience content designed for sexual gratification, adult live-chat features, and escort services.",
      "body": "Stripe explicitly prohibits adult content and services, including pornography, mature audience content designed for sexual gratification, adult live-chat features, and escort services.\n\nWhat Stripe Legal / Restricted Businesses actually says:\n\n“Pornography and other mature audience content (including literature, imagery, and other media) designed for the purpose of sexual gratification.”\n\nNote: Tier A prohibited business terms.",
      "source_type": "official",
      "source_link": "https://stripe.com/en-br/legal/restricted-businesses",
      "last_verified": "2026-09-02",
      "reliability": "VERIFIED RULE",
      "source_tier": "A",
      "source_publisher": "Stripe Legal / Restricted Businesses",
      "evidence_quote": "Pornography and other mature audience content (including literature, imagery, and other media) designed for the purpose of sexual gratification.",
      "volatility": "low",
      "from_batch": "55-payment-rails-wide",
      "subject": "Stripe",
      "topic": "prohibited businesses and adult content policy",
      "applies_to_country": "*",
      "applies_to_scope": "Global payment gateway",
      "tags": {
        "lane": "any",
        "stage": "any",
        "region": [
          "any"
        ],
        "platform": "any",
        "topic": [
          "unclassified"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r55_payment_rails_wide_processor_segpay",
      "category": "Business",
      "title": "Segpay: rolling reserves, chargeback fees, and high-risk merchant terms",
      "summary": "Segpay withholds a reserve percentage on each transaction during the first six months of processing to cover chargebacks and refunds, releasing them in the seventh month.",
      "body": "Segpay withholds a reserve percentage on each transaction during the first six months of processing to cover chargebacks and refunds, releasing them in the seventh month.\n\nWhat Segpay Merchant Help actually says:\n\n“Reserve rate: The % Segpay withholds on each transaction during your first six months of processing. Reserves are used to cover chargebacks and refunds, and are released back to you with each weekly payout beginning in your 7th month.”\n\nNote: Tier A merchant operational documentation.",
      "source_type": "official",
      "source_link": "https://gethelp.segpay.com/docs/Content/MPDocs/MP-ViewEditMerchantInfo.htm",
      "last_verified": "2026-09-02",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Segpay Merchant Help",
      "evidence_quote": "Reserve rate: The % Segpay withholds on each transaction during your first six months of processing. Reserves are used to cover chargebacks and refunds, and are released back to you with each weekly payout beginning in your 7th month.",
      "volatility": "low",
      "from_batch": "55-payment-rails-wide",
      "subject": "Segpay",
      "topic": "rolling reserves, chargeback fees, and high-risk merchant terms",
      "applies_to_country": "*",
      "applies_to_scope": "Global high-risk merchant accounts",
      "tags": {
        "lane": "any",
        "stage": "any",
        "region": [
          "any"
        ],
        "platform": "any",
        "topic": [
          "unclassified"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r55_payment_rails_wide_paxum_fees_personal_2026",
      "category": "Business",
      "title": "Paxum: personal account fees",
      "summary": "Paxum Personal Payment Account charges no monthly maintenance if used at least once in 6 months, otherwise $5/month; incoming wire from own account costs $50 USD or $10 EUR; incoming 3rd-party EUR wire costs 0.5% min $10; local bank transfer from own account $5; P2P from other Paxum users $0.25; outgoing wire to own account $50 USD/$40 EUR/$25 other; local bank transfer to own account $5; card load from personal account $0.25; UnionPay physical card $10 issue, $3.75/month, $2+1% ATM; virtual card $1 issue, $2.95/month.",
      "body": "Paxum Personal Payment Account charges no monthly maintenance if used at least once in 6 months, otherwise $5/month; incoming wire from own account costs $50 USD or $10 EUR; incoming 3rd-party EUR wire costs 0.5% min $10; local bank transfer from own account $5; P2P from other Paxum users $0.25; outgoing wire to own account $50 USD/$40 EUR/$25 other; local bank transfer to own account $5; card load from personal account $0.25; UnionPay physical card $10 issue, $3.75/month, $2+1% ATM; virtual card $1 issue, $2.95/month.\n\nWhat Paxum Bank Limited actually says:\n\n“Maintaining the Account *FREE* (If used at least once within past 6 months) **$5.00** (If not used at least once within past 6 months) ... By Wire from your OWN account in USD Currency **$50.00** ... By Wire from your OWN account in EUR Currency **$10.00** ... By Wire from 3rd party (EUR) **0.5%**, min. $10.00 ... By Local Bank Transfer from your OWN account **$5.00** ... By P2P transfer from other Paxum Users **$0.25** ... By Wire to your OWN account in USD Currency **$50.00** * ... By Wire to your OWN account in EUR Currency **$40.00** ... By Local Bank Transfer to your OWN account **$5.00** ... Card Load from Personal Payment Account **$0.25** ... Card Issue **$10.00** ... Monthly Maintenance Fee **$3.75** ... ATM FEE in Card Currency **$2.00** + 1%”\n\nNote: Fee Information Document dated 25 August 2026; SHA option noted for wires",
      "source_type": "official",
      "source_link": "https://www.paxum.com/fees/personal/",
      "last_verified": "2026-09-06",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Paxum Bank Limited",
      "evidence_quote": "Maintaining the Account *FREE* (If used at least once within past 6 months) **$5.00** (If not used at least once within past 6 months) ... By Wire from your OWN account in USD Currency **$50.00** ... By Wire from your OWN account in EUR Currency **$10.00** ... By Wire from 3rd party (EUR) **0.5%**, min. $10.00 ... By Local Bank Transfer from your OWN account **$5.00** ... By P2P transfer from other Paxum Users **$0.25** ... By Wire to your OWN account in USD Currency **$50.00** * ... By Wire to your OWN account in EUR Currency **$40.00** ... By Local Bank Transfer to your OWN account **$5.00** ... Card Load from Personal Payment Account **$0.25** ... Card Issue **$10.00** ... Monthly Maintenance Fee **$3.75** ... ATM FEE in Card Currency **$2.00** + 1%",
      "volatility": "low",
      "from_batch": "55-payment-rails-wide",
      "subject": "Paxum",
      "topic": "personal account fees",
      "applies_to_country": "*",
      "applies_to_scope": "Fee Information Document dated 25 August 2026",
      "tags": {
        "lane": "any",
        "stage": "any",
        "region": [
          "any"
        ],
        "platform": "any",
        "topic": [
          "unclassified"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r55_payment_rails_wide_paxum_adult_acceptance",
      "category": "Business",
      "title": "Paxum: adult industry acceptance",
      "summary": "Paxum explicitly welcomes adult industry professionals and lists major cam platforms (Chaturbate, Stripchat, Cam4, Camsoda, Flirt4Free, IMLive, Naked, Streamate, FreeWebcams) as sources that pay into Paxum.",
      "body": "Paxum explicitly welcomes adult industry professionals and lists major cam platforms (Chaturbate, Stripchat, Cam4, Camsoda, Flirt4Free, IMLive, Naked, Streamate, FreeWebcams) as sources that pay into Paxum.\n\nWhat Paxum Bank Limited actually says:\n\n“Feel confident using a payment platform that welcomes adult industry professionals without prejudice. ... Get Paid From: [logos for] FreeWebcams, Cam4, IMLive, Camsoda, Chaturbate, Flirt4Free, Naked, Streamate, Stripchat”\n\nNote: Case study page for webcam studios; no publication date visible",
      "source_type": "official",
      "source_link": "https://www.paxum.com/case-studies/webcam-studios",
      "last_verified": "2026-09-06",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Paxum Bank Limited",
      "evidence_quote": "Feel confident using a payment platform that welcomes adult industry professionals without prejudice. ... Get Paid From: [logos for] FreeWebcams, Cam4, IMLive, Camsoda, Chaturbate, Flirt4Free, Naked, Streamate, Stripchat",
      "volatility": "low",
      "from_batch": "55-payment-rails-wide",
      "subject": "Paxum",
      "topic": "adult industry acceptance",
      "applies_to_country": "*",
      "applies_to_scope": "Global",
      "tags": {
        "lane": "any",
        "stage": "any",
        "region": [
          "any"
        ],
        "platform": "any",
        "topic": [
          "unclassified"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r55_payment_rails_wide_cosmo_manyvids_payout_terms",
      "category": "Business",
      "title": "Cosmo Payment: creator payout terms on ManyVids",
      "summary": "ManyVids offers Cosmo Payment for creators outside Europe with a $50 minimum earnings threshold, 48-hour application process requiring government ID and proof of address within 3 months, and approval not guaranteed.",
      "body": "ManyVids offers Cosmo Payment for creators outside Europe with a $50 minimum earnings threshold, 48-hour application process requiring government ID and proof of address within 3 months, and approval not guaranteed.\n\nWhat ManyVids actually says:\n\n“The minimum earnings to receive Cosmo Payment is $50. ... The application process can take up to 48-hours and approval is not guaranteed. When registering, please have a government ID and proof of address dated within the last 3 months ready, and make sure to include all four corners of the scanned document.”\n\nNote: ManyVids is a platform that uses Cosmo Payment; terms are platform-specific",
      "source_type": "official",
      "source_link": "https://help.manyvids.com/hc/en-ca/articles/44004328333587-Payouts-Cosmopayment",
      "last_verified": "2026-09-06",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "ManyVids",
      "evidence_quote": "The minimum earnings to receive Cosmo Payment is $50. ... The application process can take up to 48-hours and approval is not guaranteed. When registering, please have a government ID and proof of address dated within the last 3 months ready, and make sure to include all four corners of the scanned document.",
      "volatility": "low",
      "from_batch": "55-payment-rails-wide",
      "subject": "Cosmo Payment",
      "topic": "creator payout terms on ManyVids",
      "applies_to_country": "*",
      "applies_to_scope": "Creators outside Europe per ManyVids help article",
      "tags": {
        "lane": "any",
        "stage": "any",
        "region": [
          "any"
        ],
        "platform": "any",
        "topic": [
          "unclassified"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r55_payment_rails_wide_cosmo_fees_card",
      "category": "Business",
      "title": "Cosmo Payment: card account fees",
      "summary": "Cosmo Payment charges $12.95 for initial plastic card order, $19.95 for replacement, $3/month account maintenance, $3 per payment received (some merchants absorb), $5 per bank transfer (1-3 business days), $0.50 card-to-wallet transfer, $3.15 per ATM withdrawal, $1 per ATM decline, $1 per ATM balance inquiry.",
      "body": "Cosmo Payment charges $12.95 for initial plastic card order, $19.95 for replacement, $3/month account maintenance, $3 per payment received (some merchants absorb), $5 per bank transfer (1-3 business days), $0.50 card-to-wallet transfer, $3.15 per ATM withdrawal, $1 per ATM decline, $1 per ATM balance inquiry.\n\nWhat Cosmo Payment actually says:\n\n“Initial Plastic Card Order $12.95 Per Card ... Plastic Card Replacement (Lost/Stolen) $19.95 Per Card ... Monthly Account Maintenance $3.00 Per Month ... Receiving Payments $3.00/FREE Per Payment ... Bank Transfers $5.00 Per Transfer ... Card to Wallet transfer $0.50 Per Transfer ... ATM Withdrawal $3.15 Per Transaction ... Cash Withdrawal Decline $1.00 Per Transaction ... ATM Balance Inquiry $1.00 Per Transaction”\n\nNote: No publication date on fees page; same-currency bank transfers may incur up to 2% additional transaction fee",
      "source_type": "official",
      "source_link": "https://www.cosmopayment.com/fees",
      "last_verified": "2026-09-06",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Cosmo Payment",
      "evidence_quote": "Initial Plastic Card Order $12.95 Per Card ... Plastic Card Replacement (Lost/Stolen) $19.95 Per Card ... Monthly Account Maintenance $3.00 Per Month ... Receiving Payments $3.00/FREE Per Payment ... Bank Transfers $5.00 Per Transfer ... Card to Wallet transfer $0.50 Per Transfer ... ATM Withdrawal $3.15 Per Transaction ... Cash Withdrawal Decline $1.00 Per Transaction ... ATM Balance Inquiry $1.00 Per Transaction",
      "volatility": "low",
      "from_batch": "55-payment-rails-wide",
      "subject": "Cosmo Payment",
      "topic": "card account fees",
      "applies_to_country": "*",
      "applies_to_scope": "Fees page; same-currency bank transfers may incur up to 2% additional fee",
      "tags": {
        "lane": "any",
        "stage": "any",
        "region": [
          "any"
        ],
        "platform": "any",
        "topic": [
          "unclassified"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r55_payment_rails_wide_epayservice_fees_transfers",
      "category": "Business",
      "title": "EPayService: money transfer fees",
      "summary": "ePayService charges: ACH/DirectDeposit deposit 2%+$20, domestic wire deposit 0.8%+$30, ACH withdrawal 0.5%+$25; international wire deposit 3%+$50, withdrawal 1%+€40; SEPA deposit 1% min €25, withdrawal to own bank €30, to person 0.5%+€35, to company 0.5%+€40; personal IBAN SEPA free both ways; local bank withdrawal 1%+$15 up to $300; card withdrawal 3.5%+€6; cash remittance 1%+$15 up to $500, 1%+$30 above; crypto deposit/withdrawal 2% min $2.",
      "body": "ePayService charges: ACH/DirectDeposit deposit 2%+$20, domestic wire deposit 0.8%+$30, ACH withdrawal 0.5%+$25; international wire deposit 3%+$50, withdrawal 1%+€40; SEPA deposit 1% min €25, withdrawal to own bank €30, to person 0.5%+€35, to company 0.5%+€40; personal IBAN SEPA free both ways; local bank withdrawal 1%+$15 up to $300; card withdrawal 3.5%+€6; cash remittance 1%+$15 up to $500, 1%+$30 above; crypto deposit/withdrawal 2% min $2.\n\nWhat ePayService (MTACC Limited) actually says:\n\n“Deposit ACH/DirectDeposit To your ePayService wallet 2% + 20 USD ... Deposit Domestic Wire To your ePayService wallet 0.8% + 30 USD ... Withdraw ACH/DirectDeposit To a personal or company account with a us bank 0.5% + 25 USD ... Deposit To your ePayService wallet 3% + 50 USD ... Withdraw 1% + 40 EUR ... Deposit To your ePayService wallet 1% ... 25 EUR ... Withdraw To your bank account 30 EUR ... Withdraw To a person's bank account 0,5 % + 35 EUR ... Withdraw To company bank account 0,5 % + 40 EUR ... Deposit To your IBAN in ePayService FREE ... Withdraw From your IBAN in ePayService FREE ... Withdraw To local bank account 1% + 15 USD/EUR (up to 300 USD/EUR) ... Withdraw 3.5 % + 6 EUR/USD ... Withdraw Up to 500 USD Cash Remittance 1 % + 15 USD ... From 500 USD Cash Remittance 1 % + 30 USD ... Deposit To your ePayService wallet 2% ... 2 USD ... Withdraw 2% ... 2 USD”\n\nNote: No publication date on fees page; ePayService is trading name of MTACC Limited authorised by Malta Financial Services Authority",
      "source_type": "official",
      "source_link": "https://epayservices.com/en/fees.html",
      "last_verified": "2026-09-06",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "ePayService (MTACC Limited)",
      "evidence_quote": "Deposit ACH/DirectDeposit To your ePayService wallet 2% + 20 USD ... Deposit Domestic Wire To your ePayService wallet 0.8% + 30 USD ... Withdraw ACH/DirectDeposit To a personal or company account with a us bank 0.5% + 25 USD ... Deposit To your ePayService wallet 3% + 50 USD ... Withdraw 1% + 40 EUR ... Deposit To your ePayService wallet 1% ... 25 EUR ... Withdraw To your bank account 30 EUR ... Withdraw To a person's bank account 0,5 % + 35 EUR ... Withdraw To company bank account 0,5 % + 40 EUR ... Deposit To your IBAN in ePayService FREE ... Withdraw From your IBAN in ePayService FREE ... Withdraw To local bank account 1% + 15 USD/EUR (up to 300 USD/EUR) ... Withdraw 3.5 % + 6 EUR/USD ... Withdraw Up to 500 USD Cash Remittance 1 % + 15 USD ... From 500 USD Cash Remittance 1 % + 30 USD ... Deposit To your ePayService wallet 2% ... 2 USD ... Withdraw 2% ... 2 USD",
      "volatility": "low",
      "from_batch": "55-payment-rails-wide",
      "subject": "ePayService",
      "topic": "money transfer fees",
      "applies_to_country": "*",
      "applies_to_scope": "Global; regulated by Malta Financial Services Authority",
      "tags": {
        "lane": "any",
        "stage": "any",
        "region": [
          "any"
        ],
        "platform": "any",
        "topic": [
          "unclassified"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r55_payment_rails_wide_epayservice_card_fees",
      "category": "Business",
      "title": "EPayService: debit card fees",
      "summary": "ePayService Mastercard Standard EUR: free issuance, €1.99/month maintenance, €0.01 min load, €5,000 max daily load, 1.99% FX, €2.50 ATM withdrawal, €0.50 ATM balance inquiry, max balance €5,000, 10 loads/day. Virtual card: free issuance, €0.01 min load, €5,000 max daily load, €450,000 max annual load, 1.99% FX, free POS/online, max 3 active cards, 3-year validity.",
      "body": "ePayService Mastercard Standard EUR: free issuance, €1.99/month maintenance, €0.01 min load, €5,000 max daily load, 1.99% FX, €2.50 ATM withdrawal, €0.50 ATM balance inquiry, max balance €5,000, 10 loads/day. Virtual card: free issuance, €0.01 min load, €5,000 max daily load, €450,000 max annual load, 1.99% FX, free POS/online, max 3 active cards, 3-year validity.\n\nWhat ePayService (MTACC Limited) actually says:\n\n“Card Issuance & Activation of the ePayService Mastercard® Standard EUR FREE ... Monthly Maintenance Fee €1.99 ... Minimum Load Limit €0.01 ... Maximum Daily Load Limit €5,000.00 ... Currency Exchange (FX fee) 1.99% ... ATM Withdrawal Fee Per Transaction €2.50 ... Maximum number of loads per day 10 ... Maximum balance €5,000.00 ... ATM Balance Inquiry €0.50 ... Card Issuance & Activation of the ePayService Mastercard® Virtual EUR FREE ... Minimum Load Limit €0.01 ... Maximum Daily Load Limit €5,000.00 ... Maximum cumulative load value per year €450,000.00 ... Currency Exchange (FX fee) 1.99% ... POS /Online Purchases FREE ... Maximum number of loads per day 10 ... Maximum balance €5,000.00 ... Maximum amount of active cards 3 ... Important! Card will be valid for 3 years”\n\nNote: EUR-denominated cards; regular mail delivery free, express €70",
      "source_type": "official",
      "source_link": "https://epayservices.com/en/fees.html",
      "last_verified": "2026-09-06",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "ePayService (MTACC Limited)",
      "evidence_quote": "Card Issuance & Activation of the ePayService Mastercard® Standard EUR FREE ... Monthly Maintenance Fee €1.99 ... Minimum Load Limit €0.01 ... Maximum Daily Load Limit €5,000.00 ... Currency Exchange (FX fee) 1.99% ... ATM Withdrawal Fee Per Transaction €2.50 ... Maximum number of loads per day 10 ... Maximum balance €5,000.00 ... ATM Balance Inquiry €0.50 ... Card Issuance & Activation of the ePayService Mastercard® Virtual EUR FREE ... Minimum Load Limit €0.01 ... Maximum Daily Load Limit €5,000.00 ... Maximum cumulative load value per year €450,000.00 ... Currency Exchange (FX fee) 1.99% ... POS /Online Purchases FREE ... Maximum number of loads per day 10 ... Maximum balance €5,000.00 ... Maximum amount of active cards 3 ... Important! Card will be valid for 3 years",
      "volatility": "low",
      "from_batch": "55-payment-rails-wide",
      "subject": "ePayService",
      "topic": "debit card fees",
      "applies_to_country": "*",
      "applies_to_scope": "EUR cards only shown",
      "tags": {
        "lane": "any",
        "stage": "any",
        "region": [
          "any"
        ],
        "platform": "any",
        "topic": [
          "unclassified"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r55_payment_rails_wide_payoneer_billing_prohibited_adult",
      "category": "Business",
      "title": "Payoneer: adult content prohibition in Billing Service terms",
      "summary": "Payoneer Billing Service terms explicitly prohibit payments for 'Obscene or pornographic items, adult businesses or adult related services, including escort services, adult massage, or other adult-entertainment services, adult performer regardless of sexual orientation'.",
      "body": "Payoneer Billing Service terms explicitly prohibit payments for 'Obscene or pornographic items, adult businesses or adult related services, including escort services, adult massage, or other adult-entertainment services, adult performer regardless of sexual orientation'.\n\nWhat Payoneer Inc. actually says:\n\n“It is strictly forbidden to make payments as consideration for or in connection with: ... Obscene or pornographic items, adult businesses or adult related services, including escort services, adult massage, or other adult-entertainment services, adult performer regardless of sexual orientation;”\n\nNote: This is the Billing Service terms (for payers), not the main Payoneer customer terms; dated July 2019 but still published at payoneer.com legal page",
      "source_type": "official",
      "source_link": "https://pubs.payoneer.com/Legal/PayoneerTermsAndConditionsBillingServiceJuly19.htm",
      "last_verified": "2026-09-06",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Payoneer Inc.",
      "evidence_quote": "It is strictly forbidden to make payments as consideration for or in connection with: ... Obscene or pornographic items, adult businesses or adult related services, including escort services, adult massage, or other adult-entertainment services, adult performer regardless of sexual orientation;",
      "volatility": "low",
      "from_batch": "55-payment-rails-wide",
      "subject": "Payoneer",
      "topic": "adult content prohibition in Billing Service terms",
      "applies_to_country": "*",
      "applies_to_scope": "Applies to Billing Service (payer-initiated payments)",
      "tags": {
        "lane": "any",
        "stage": "any",
        "region": [
          "any"
        ],
        "platform": "any",
        "topic": [
          "unclassified"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r55_payment_rails_wide_wise_aup_adult_content",
      "category": "Business",
      "title": "Wise: adult content unsupported in Acceptable Use Policy",
      "summary": "Wise Acceptable Use Policy lists 'Adult content' as an unsupported business category, including pornography, sexual services (webcam shows, live chats, prostitution, escorts), and sexually oriented establishments.",
      "body": "Wise Acceptable Use Policy lists 'Adult content' as an unsupported business category, including pornography, sexual services (webcam shows, live chats, prostitution, escorts), and sexually oriented establishments.\n\nWhat Wise Payments Limited actually says:\n\n“Adult content. 1. Pornography and other visual content depicting explicitly sexual acts. 2. Services of sexual nature (webcam shows, live chats, prostitution, escorts, etc). 3. Sexually oriented establishments (massage parlors, strip clubs, gentleman's clubs).”\n\nNote: Last updated 25 March 2026; restrictions do not apply to lawful transactions using Wise Multi-Currency Card",
      "source_type": "official",
      "source_link": "https://wise.com/gb/legal/acceptable-use-policy",
      "last_verified": "2026-09-06",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Wise Payments Limited",
      "evidence_quote": "Adult content. 1. Pornography and other visual content depicting explicitly sexual acts. 2. Services of sexual nature (webcam shows, live chats, prostitution, escorts, etc). 3. Sexually oriented establishments (massage parlors, strip clubs, gentleman's clubs).",
      "volatility": "low",
      "from_batch": "55-payment-rails-wide",
      "subject": "Wise",
      "topic": "adult content unsupported in Acceptable Use Policy",
      "applies_to_country": "*",
      "applies_to_scope": "Worldwide policy per Wise Acceptable Use Policy",
      "tags": {
        "lane": "any",
        "stage": "any",
        "region": [
          "any"
        ],
        "platform": "any",
        "topic": [
          "unclassified"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r55_payment_rails_wide_skrill_tou_prohibited_adult",
      "category": "Business",
      "title": "Skrill: adult content prohibition in Terms of Use",
      "summary": "Skrill Terms of Use Section 11.1 explicitly prohibits sending or receiving payments for 'Pornography, adult material, material which incites violence, hatred, racism or which is considered obscene'.",
      "body": "Skrill Terms of Use Section 11.1 explicitly prohibits sending or receiving payments for 'Pornography, adult material, material which incites violence, hatred, racism or which is considered obscene'.\n\nWhat Skrill Limited (Paysafe Payment Solutions Limited) actually says:\n\n“It is strictly forbidden to send or receive payments as consideration for the sale or supply of: ... Pornography, adult material, material which incites violence, hatred, racism or which is considered obscene”\n\nNote: Valid from 05.03.2026; Section 11.1; Skrill regulated by Central Bank of Ireland and FCA",
      "source_type": "official",
      "source_link": "https://www.skrill.com/fileadmin/content/pdf/legal/generalterms/EN.pdf",
      "last_verified": "2026-09-06",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Skrill Limited (Paysafe Payment Solutions Limited)",
      "evidence_quote": "It is strictly forbidden to send or receive payments as consideration for the sale or supply of: ... Pornography, adult material, material which incites violence, hatred, racism or which is considered obscene",
      "volatility": "low",
      "from_batch": "55-payment-rails-wide",
      "subject": "Skrill",
      "topic": "adult content prohibition in Terms of Use",
      "applies_to_country": "*",
      "applies_to_scope": "Skrill Limited (UK/EEA) terms valid from 05.03.2026",
      "tags": {
        "lane": "any",
        "stage": "any",
        "region": [
          "any"
        ],
        "platform": "any",
        "topic": [
          "unclassified"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r55_payment_rails_wide_fansly_payout_minimums",
      "category": "Business",
      "title": "Fansly: payout minimums by method",
      "summary": "Fansly sets payout minimums: Paxum and CosmoPayment $20; SEPA Transfer (EU/UK) $50; Bank Wire (SWIFT) $100; Cryptocurrency $100; Local Bank Deposits (South America/Asia) $20 including USD ACH and CAD deposits.",
      "body": "Fansly sets payout minimums: Paxum and CosmoPayment $20; SEPA Transfer (EU/UK) $50; Bank Wire (SWIFT) $100; Cryptocurrency $100; Local Bank Deposits (South America/Asia) $20 including USD ACH and CAD deposits.\n\nWhat Fansly actually says:\n\n“* #### **Paxum, Cosmopayment:** $20 * #### **SEPA Transfer (EU & UK Bank Deposit):** $50 * #### **Bank Wire (International SWIFT):** $100 * #### **Cryptocurrency:** $100 * #### **Local Bank Deposits (South America and Asia):** $20   + #### Includes **USD ACH transfers** and **CAD bank deposits** .”\n\nNote: Published 16 October 2025; platform-specific not rail-intrinsic",
      "source_type": "official",
      "source_link": "https://help.fansly.com/en/articles/10544481-payout-minimums-by-method",
      "last_verified": "2026-09-06",
      "reliability": "VERIFIED RULE",
      "source_tier": "A",
      "source_publisher": "Fansly",
      "evidence_quote": "* #### **Paxum, Cosmopayment:** $20 * #### **SEPA Transfer (EU & UK Bank Deposit):** $50 * #### **Bank Wire (International SWIFT):** $100 * #### **Cryptocurrency:** $100 * #### **Local Bank Deposits (South America and Asia):** $20   + #### Includes **USD ACH transfers** and **CAD bank deposits** .",
      "volatility": "low",
      "from_batch": "55-payment-rails-wide",
      "subject": "Fansly",
      "topic": "payout minimums by method",
      "applies_to_country": "*",
      "applies_to_scope": "Fansly platform-specific payout minimums",
      "tags": {
        "lane": "any",
        "stage": "any",
        "region": [
          "any"
        ],
        "platform": "any",
        "topic": [
          "unclassified"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r55_payment_rails_wide_onlyfans_payout_methods_fees",
      "category": "Business",
      "title": "OnlyFans: withdrawal methods and fees",
      "summary": "OnlyFans offers Direct Bank Transfer (ACH/SEPA) with no platform fees and unlimited limit, 3-5 days; International Bank Transfer (SWIFT) ~$30 fee per transaction, 5-7 days, unlimited; E-wallets (Paxum, Skrill) ~24 hours, low fees, $100 per transaction limit. PayPal not accepted due to adult content policy.",
      "body": "OnlyFans offers Direct Bank Transfer (ACH/SEPA) with no platform fees and unlimited limit, 3-5 days; International Bank Transfer (SWIFT) ~$30 fee per transaction, 5-7 days, unlimited; E-wallets (Paxum, Skrill) ~24 hours, low fees, $100 per transaction limit. PayPal not accepted due to adult content policy.\n\nWhat Desirely (third-party blog referencing OnlyFans help) actually says:\n\n“### Direct Bank Transfer (ACH / SEPA) ... OnlyFans does not charge additional fees for this withdrawal method ... ### International Bank Transfer (SWIFT) ... Expect about $30 in OnlyFans fees per transaction ... ### E-Wallets (Paxum, Skrill) ... the withdrawal limit is capped at $100 per transaction through this channel ... Important note: **PayPal is not accepted** on OnlyFans. PayPal's policy prohibits transactions related to adult content”\n\nNote: Third-party blog summarizing OnlyFans help; not official OnlyFans source. Could not verify directly on OnlyFans help center.",
      "source_type": "community",
      "source_link": "https://www.desirely.co/en/blog/how-to-withdraw-money-from-onlyfans",
      "last_verified": "2026-09-06",
      "reliability": "CREATOR STRATEGY",
      "source_tier": "C",
      "source_publisher": "Desirely (third-party blog referencing OnlyFans help)",
      "evidence_quote": "### Direct Bank Transfer (ACH / SEPA) ... OnlyFans does not charge additional fees for this withdrawal method ... ### International Bank Transfer (SWIFT) ... Expect about $30 in OnlyFans fees per transaction ... ### E-Wallets (Paxum, Skrill) ... the withdrawal limit is capped at $100 per transaction through this channel ... Important note: **PayPal is not accepted** on OnlyFans. PayPal's policy prohibits transactions related to adult content",
      "volatility": "low",
      "from_batch": "55-payment-rails-wide",
      "subject": "OnlyFans",
      "topic": "withdrawal methods and fees",
      "applies_to_country": "*",
      "applies_to_scope": "OnlyFans platform-specific; France example processing times",
      "tags": {
        "lane": "any",
        "stage": "any",
        "region": [
          "any"
        ],
        "platform": "any",
        "topic": [
          "unclassified"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r55_payment_rails_wide_footly_payout_ach_paxum",
      "category": "Business",
      "title": "Footly: creator payout methods and fees",
      "summary": "Footly pays US creators via ACH direct deposit and international creators via Paxum, weekly with $10 minimum, 1-3 business days processing; platform absorbs all ACH and Paxum processing fees; explicitly does not use PayPal due to adult content prohibition.",
      "body": "Footly pays US creators via ACH direct deposit and international creators via Paxum, weekly with $10 minimum, 1-3 business days processing; platform absorbs all ACH and Paxum processing fees; explicitly does not use PayPal due to adult content prohibition.\n\nWhat Footly actually says:\n\n“US creators: Bank ACH direct deposit. International creators: Paxum. Weekly schedule, $10 minimum, 1–3 business days processing, no fees to creator. Never PayPal. ... Footly absorbs all ACH and Paxum processing fees. You receive 100% of what you request. ... PayPal's acceptable-use policy **prohibits adult content**”\n\nNote: Official Footly blog; platform absorbs fees so creator receives full amount",
      "source_type": "official",
      "source_link": "https://www.tryfootly.com/blog/how-footly-creator-payouts-work-2026",
      "last_verified": "2026-09-06",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Footly",
      "evidence_quote": "US creators: Bank ACH direct deposit. International creators: Paxum. Weekly schedule, $10 minimum, 1–3 business days processing, no fees to creator. Never PayPal. ... Footly absorbs all ACH and Paxum processing fees. You receive 100% of what you request. ... PayPal's acceptable-use policy **prohibits adult content**",
      "volatility": "low",
      "from_batch": "55-payment-rails-wide",
      "subject": "Footly",
      "topic": "creator payout methods and fees",
      "applies_to_country": "*",
      "applies_to_scope": "Footly platform-specific; US vs international split",
      "tags": {
        "lane": "any",
        "stage": "any",
        "region": [
          "any"
        ],
        "platform": "any",
        "topic": [
          "unclassified"
        ],
        "explicitness": "any"
      }
    },
    {
      "id": "learn_r55_payment_rails_wide_clips4sale_payout_methods",
      "category": "Business",
      "title": "Clips4Sale: available payout methods by region",
      "summary": "Clips4Sale offers: US/US Territories - Check (no fee), ACH Direct Deposit (no fee), Wire transfer ($20 fee); Canada - Check (no fee), Wire transfer ($20 fee); International non-EU - Wire transfer ($45 fee); International EU - Wire transfer SEPA (no fee).",
      "body": "Clips4Sale offers: US/US Territories - Check (no fee), ACH Direct Deposit (no fee), Wire transfer ($20 fee); Canada - Check (no fee), Wire transfer ($20 fee); International non-EU - Wire transfer ($45 fee); International EU - Wire transfer SEPA (no fee).\n\nWhat Clips4Sale actually says:\n\n“* US and US Territories      + Check - No fee      + ACH (Direct Deposit) - No fee      + Wire transfer - $20.00 fee * International (Canada)      + Check - No fee      + Wire transfer - $20.00 fee * International (Non-EU)      + Wire transfer - $45.00 fee * International (EU)      + Wire transfer (SEPA) - No fee”\n\nNote: No publication date; official Clips4Sale support site",
      "source_type": "official",
      "source_link": "https://clips4salecreator.freshdesk.com/en/support/solutions/articles/151000157728-what-are-the-available-payout-methods-",
      "last_verified": "2026-09-06",
      "reliability": "STRONG PRACTICE",
      "source_tier": "A",
      "source_publisher": "Clips4Sale",
      "evidence_quote": "* US and US Territories      + Check - No fee      + ACH (Direct Deposit) - No fee      + Wire transfer - $20.00 fee * International (Canada)      + Check - No fee      + Wire transfer - $20.00 fee * International (Non-EU)      + Wire transfer - $45.00 fee * International (EU)      + Wire transfer (SEPA) - No fee",
      "volatility": "low",
      "from_batch": "55-payment-rails-wide",
      "subject": "Clips4Sale",
      "topic": "available payout methods by region",
      "applies_to_country": "*",
      "applies_to_scope": "Region-dependent per Clips4Sale support article",
      "tags": {
        "lane": "any",
        "stage": "any",
        "region": [
          "any"
        ],
        "platform": "any",
        "topic": [
          "unclassified"
        ],
        "explicitness": "any"
      }
    }
  ]
}