Why underwriters look closely at dating
Auto-renewing memberships
Members forget they renew, and the renewal charge is the one they dispute.
Fraud and fake profiles
Romance scams and stolen cards used to buy credits lead to fraud chargebacks and issuer scrutiny.
Content drift
Platforms that drift into adult content fall under much stricter card-brand rules.
A payment setup that fits
How we usually set up dating platforms. Your consultant tailors it to how you actually sell.
- 1
Renewal reminders
Email members before each renewal with the amount and a cancel link.
- 2
Fraud screening at sign-up
Verification and 3-D Secure on first purchases keep stolen cards out.
- 3
Card updater
Updater services keep renewals working when members get new cards.
What you’ll need to apply
Have these ready and your application moves faster. Your consultant confirms the exact list for the processor you’re matched with.
- Government ID for every owner with 25% or more
- Voided business check or bank letter
- Recent business bank statements
- Recent processing statements, if you have taken cards before
- Articles of incorporation and EIN letter
- A website with clear pricing, refund, cancellation and contact details
- Terms of service and renewal terms
- Cancellation flow screenshots
- Moderation and age verification policy
Why applications get declined, and how to avoid it
- Renewal terms not shown at purchase
- No way to cancel online
- Adult content on the platform
- Signs of fake profiles used to sell credits
We review your website, policies and statements against these before anything is submitted.
Keeping the account healthy after approval
Getting approved is half the job. These habits keep your account in good standing, and our platform tracks the numbers behind them for you.
- Show renewal terms at checkout and in the receipt
- Make cancelling as easy as joining
- Refund accidental renewals quickly
Dating: common questions
Do app store purchases count?
No. Apple and Google process purchases made through their stores. This account is for payments taken on your website or in web checkout.
Do state renewal laws apply to us?
Several states, including California, have automatic renewal laws covering disclosure and cancellation. We’ll point out anything in your flow that could cause problems.
Can we sell credits as well as memberships?
Yes. Both are common. Tell us your mix so the account is set up for it.
What happens after I’m approved?
We keep working with you. Our platform gives you one view of every account, and we review your chargebacks, approval rate, fraud tools and fees with you so the account stays healthy and gets cheaper over time.