Dating platforms

Subscription rails for connection.

Mainstream and casual dating acquiring with retention-grade subscription tooling.

Overview

Built specifically for Dating.

Whether mainstream matchmaking or casual platforms, we provide subscription-grade acquiring with smart retries, refund management, and bot-flag controls that protect your processing reputation.

What's included

  • Subscription retry engine
  • Pre-dispute (Ethoca) alerts
  • Age & ID verification
  • Apple Pay / Google Pay
  • Token economies
  • Multi-currency

Underwriting documents

  • Certificate of incorporation & shareholding structure
  • Government-issued ID for all UBOs (≥ 25%)
  • Proof of address (last 3 months) for all UBOs
  • Processing statements (last 6 months, if applicable)
  • Bank statements (last 3 months)
  • Website with full T&Cs, privacy and refund policy
  • Age verification provider
  • Terms of service & subscription terms
  • Bot mitigation policy

A closer look

How acquiring works for Dating.

Why dating is treated as high-risk

Friendly-fraud is endemic to the vertical: cardholders dispute charges to avoid awkward statements, or to retain plausible deniability with a partner. Our risk model treats this as a feature of the segment, not a flaw — descriptors, billing cadence and refund policy are all tuned around it.

Bot economics

Bot-driven conversion can lift short-term revenue but destroys MID health. We require documented bot-detection and live-user verification before underwriting and re-audit periodically.

Subscription disclosure

Pre-checkout consent capture, double-opt-in renewal email, and one-click cancellation are required by Mastercard's subscription billing rules and the FTC. Our checkout templates ship compliant out of the box.

Banking partners

EEA and UK acquirers experienced with dating MCCs; specialist acquirers for casual / adult-adjacent platforms.

Regulatory backdrop

EU DSA, UK Online Safety Act, FTC ROSCA, Mastercard subscription-billing rules, Visa GBPP for high-CB merchants.

From application to first transaction

A predictable timeline, communicated weekly.

Day 0

Application

Submit your application via our secure portal. A named risk officer is assigned within four working hours.

Day 1–3

Documentary review

We pre-screen your documents, surface gaps early and request only what's missing — no document fishing expeditions.

Day 3–10

Underwriting

Our risk committee reviews your file: corporate, financial, compliance and operational. Pricing is calibrated to the evidence.

Day 10–18

Bank placement

We negotiate placement with acquiring partners best matched to your geography, vertical and volume. MIDs are provisioned in parallel.

Day 18+

Integration & go-live

Sandbox keys on day one of placement. A dedicated integration engineer pairs with your team until first live transaction.

Portfolio KPIs

What our merchants see in their first ninety days.

+18%
Average approval uplift

vs. prior processor, first 90 days

0.42%
Chargeback ratio under management

blended across portfolio

99.97%
Settlement reliability

files delivered on schedule

100%
Refund automation

merchant-initiated, T+0 in dashboard

Questions specific to Dating

Frequently asked.

Can I process for a casual dating brand?

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Yes, under appropriate descriptors and provided your platform's content meets Visa/Mastercard's general policy — even if not adult per se.

What bot-detection do you require?

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Documented, third-party verification (e.g. Persona, Veriff) for new accounts plus runtime detection (e.g. Datadome, hCaptcha) on signup and key actions.

Do you support token-based messaging?

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Yes, with a billing engine that supports pause/resume, top-ups, expiry and refund of unspent balances.

Ready when you are

Begin a private conversation with our underwriting team.