If Stripe shut down your account (or you expect it might), you are not alone. It’s true that Stripe shutdown adult merchants. Adult and dating categories regularly collide with mainstream PSP policies. Stripe’s restricted list includes adult content/services, Square’s restricted list includes adult entertainment oriented products or services, and PayPal policy restricts sexually oriented digital content and website subscriptions.
The goal is not to “find a loophole.” The goal is to build a compliant, stable high-risk setup that survives reviews, disputes, and monitoring programs.
Many mainstream PSPs publish restricted business rules that can affect adult and dating merchants. See Stripe restricted businesses, Square payment terms, and PayPal’s policy on sexually oriented goods and services for examples of how these categories may be treated.
1) The most common shutdown triggers (adult/dating)
Even when your business is legal, shutdowns often happen after:
- Content classification changes (platform decides your category is restricted)
- High dispute rates (refund confusion, descriptor mismatch)
- Subscription complaints (“I forgot I subscribed”)
- Fraud spikes (card testing, ATO)
- Sudden volume jumps or new geographies
Other mainstream providers with similar restrictions
Stripe is not the only platform with restricted categories. Enterprise processors also publish restricted/prohibited lists (see Adyen restricted/prohibited list) and some providers explicitly decline adult entertainment/pornography use cases (see Checkout.com Acceptable Use Policy).
Braintree also lists sexually-oriented or pornographic products/services as prohibited (see Braintree Acceptable Use Policy).
2) First actions: protect customers and stop compounding risk
Do these immediately:
- Pause new subscriptions until you have a stable processor
- Disable aggressive retries (they can create more disputes)
- Update customer messaging (support page + billing FAQ)
- Export transaction + customer lists for reconciliation and migration planning
3) Subscription migration: the part that breaks merchants
If you run subscriptions, the key problem is token portability. Your plan should include:
- mapping active subscribers by renewal date
- communicating the billing descriptor change
- re-consent flow if required (depending on your stack)
- “grace period” strategy to reduce churn
A rushed migration often causes a second wave of disputes.
4) Build a U.S. backup setup (the right way)
A resilient adult/dating setup typically includes:
- a high-risk merchant account (U.S. acquiring)
- a gateway/routing layer so you can switch rails
- dispute prevention playbook (refund windows, evidence pack, alerts)
- fraud controls (velocity, bot/card testing mitigation)
- optional secondary rail like ACH for certain segments (subscriptions or high-ticket)
This will help to escape shutdown adult merchants by Stripe, Square, Paypal, Adyen…
Platform note (Shopify): Shopify Payments eligibility rules restrict certain adult products with sexually explicit content. See Shopify Payments eligibility. In practice, merchants either use an approved third-party provider supported by their platform, or move checkout/subscription billing to a separate stack (e.g., WordPress + WooCommerce) on a subdomain—while keeping policies and billing clarity consistent.
5) Why acquirers are stricter now: monitoring programs
Visa’s VAMP fact sheet explains how Visa monitors combined fraud and dispute signals and expects mitigation when thresholds are breached.
Mastercard’s Excessive Chargeback Program guide outlines how chargeback thresholds are monitored and escalated at the merchant/MID level.
This is why “just get another processor” without risk ops rarely works long-term.
6) The fastest path that still stays compliant
Use a two-track approach:
- Track A (today): get conditional approval for processing, start taking new payments
- Track B (this week): finalize your policies, fraud stack, and subscription migration plan
Some high-risk providers publicly advertise fast approvals (24–48 hours), but long-term stability still depends on your controls.