LTB

Industries

Our business is legal, and providers refuse us for the category alone.

Adult and creator businesses are refused as a category, not as an assessment. Card network rules place adult content in a specially registered, higher-fee bracket with additional certification requirements; many acquirers respond by excluding the sector from their appetite entirely, and banks and formation agents copy that position into their own intake policies. The refusal usually arrives before anyone has looked at the numbers.

The commercial mechanics are genuinely harder, which is why an experienced underwriter still exists for the sector. Chargeback exposure runs high because disputes are frequently driven by privacy rather than by dissatisfaction: an unrecognised or embarrassing descriptor produces a chargeback where a refund request would have done. Subscription and rebill models add friendly fraud. Age and consent verification, record-keeping obligations for performers, and content licensing sit on top, and a gap in any of them is what turns a compliance question into a termination.

Creator platforms and individual creators carry a second layer: payouts to many individuals across many countries, each with withholding, reporting, and personal tax consequences, and a personal income profile that later complicates their own banking, mortgages, and residence applications.

How LTB Resolves It

LTB structures the matter as one engagement across the three areas. Legal: contract and processor agreement review, age-verification and record-keeping compliance, content licensing and takedown work, AML and KYC frameworks, provided directly across the EU and through vetted local counsel elsewhere. Tax: incorporation in jurisdictions that permit the activity, filings and accounting through accountants who accept the sector, creator payout and withholding treatment, and relocation where it is warranted.

Banking: corporate account and high-risk acquiring placed with institutions in LTB's network whose appetite genuinely covers adult content, with descriptor, reserve, and termination terms negotiated before approval and chargeback remediation built in from the start. Accounts and processing are provided by the licensed institutions themselves; LTB structures, places, and coordinates, and stays the client's single point of contact.

Matters handled for this sector

  • Processor or acquirer refusal on category grounds, and placement with an institution that underwrites the sector.
  • Elevated chargeback ratios from descriptor confusion and subscription billing, and the monitoring programmes they trigger.
  • Age verification, consent, and performer record-keeping obligations, and the compliance file behind them.
  • Creator payout structures across many countries, with withholding and reporting treated properly.
  • Personal banking, tax residency, and relocation for founders and creators whose income profile triggers enhanced screening.

Questions

Frequently Asked

Yes, with institutions that underwrite the sector deliberately rather than by exception. Appetite is confirmed before an application is made, and terms including reserve levels are agreed in advance.

Materially, in most cases. Descriptor clarity, billing cadence, an accessible refund path, and dispute alerts address the privacy-driven disputes that make up much of the volume.

Begin With a Confidential Conversation

Whether you were referred to LTB or found the practice directly, the first conversation is confidential and without obligation.

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