Two different questions are tangled together here, and the expensive one is not the one being answered.
On the fee structure. A $250 monthly minimum and a percentage rate are not comparable without a volume figure, which is why three people have already asked you for one. The arithmetic is short: a flat $250 is cheaper than an extra point and a half until you are doing roughly $17,000 a month, and more expensive above that. At $5,000 a month NexaPay is costing you an effective 5% and you are right to be annoyed. At $60,000 it is 0.4% and it is the cheapest line on your statement. Work that out before you move, because the percentage quotes you get in DMs tend to look better than they are once setup, gateway, refund and chargeback fees are counted.
On what actually decides whether you keep a gateway. For adult subscriptions, pricing is secondary to registration. Both card schemes treat adult as a specialty category that has to be registered as such, and for user-generated content they have required for several years now that the merchant document age and consent for every performer, review content before it is published, and operate a takedown process with deadlines. A merchant who is not registered in the right category, or cannot evidence that process on request, is terminated at the first review regardless of dispute ratio and regardless of what they are paying.
That is usually why a gateway in this niche "closes their business" mid-cycle. It is rarely the merchant's numbers. It is the sponsoring acquirer losing its registration or deciding the portfolio is not worth the oversight, and everyone underneath it goes at once.
Which is why the names worth your time are the ones registered for this and registered for a long time. CCBill, Segpay and Verotel, as NullPay already said, are the honest answer. They are not cheap and they will hold a reserve. What the price buys is a sponsor who already carries the registration and will not vanish in the middle of a billing month, and that is worth more than the two points you would save elsewhere.
One thing I would not do is take the suggestion in this thread to solve it with cloaking. Showing the scheme's crawler a different page from the one your subscribers see is the precise behaviour those crawls exist to detect, and the outcome is not a closed account. It is a five-year listing against the business and the named signatory, queried by every acquirer, which follows that person into whatever they do next.
If you post your monthly volume and your real dispute ratio, the fee comparison becomes a two-line calculation and people can actually answer the part you asked about.
On the fee structure. A $250 monthly minimum and a percentage rate are not comparable without a volume figure, which is why three people have already asked you for one. The arithmetic is short: a flat $250 is cheaper than an extra point and a half until you are doing roughly $17,000 a month, and more expensive above that. At $5,000 a month NexaPay is costing you an effective 5% and you are right to be annoyed. At $60,000 it is 0.4% and it is the cheapest line on your statement. Work that out before you move, because the percentage quotes you get in DMs tend to look better than they are once setup, gateway, refund and chargeback fees are counted.
On what actually decides whether you keep a gateway. For adult subscriptions, pricing is secondary to registration. Both card schemes treat adult as a specialty category that has to be registered as such, and for user-generated content they have required for several years now that the merchant document age and consent for every performer, review content before it is published, and operate a takedown process with deadlines. A merchant who is not registered in the right category, or cannot evidence that process on request, is terminated at the first review regardless of dispute ratio and regardless of what they are paying.
That is usually why a gateway in this niche "closes their business" mid-cycle. It is rarely the merchant's numbers. It is the sponsoring acquirer losing its registration or deciding the portfolio is not worth the oversight, and everyone underneath it goes at once.
Which is why the names worth your time are the ones registered for this and registered for a long time. CCBill, Segpay and Verotel, as NullPay already said, are the honest answer. They are not cheap and they will hold a reserve. What the price buys is a sponsor who already carries the registration and will not vanish in the middle of a billing month, and that is worth more than the two points you would save elsewhere.
One thing I would not do is take the suggestion in this thread to solve it with cloaking. Showing the scheme's crawler a different page from the one your subscribers see is the precise behaviour those crawls exist to detect, and the outcome is not a closed account. It is a five-year listing against the business and the named signatory, queried by every acquirer, which follows that person into whatever they do next.
If you post your monthly volume and your real dispute ratio, the fee comparison becomes a two-line calculation and people can actually answer the part you asked about.
