Stop losing customers to payment declines
For Not Suitable for Work (NSFW) businesses, payment declines are a daily reality. Whether you operate in dating, content platforms, subscriptions, live services, or marketplaces, failed payments quietly cost you customers, revenue, and long-term trust.
This is one of the most common challenges discussed at events, such as TES . We hear it repeatedly from operators across the industry.
“We have demand. We have customers. But we cannot get paid consistently.”
In most cases, the issue is not your product or your users. It’s how your payments are being routed.
Why do NSFW businesses struggle with payments?
Many acquiring banks and card networks remain cautious, or outright restrictive, toward NSFW and other regulated verticals. Over time, commonly used acquiring routes and BINs become saturated or flagged as high risk, even when merchants are compliant and legitimate.
The result is familiar to most NSFW operators:
- Lower approval rates
- Increased false declines
- Abandoned checkouts
- Customers who do not return after a failed payment
What’s a BIN and why does it matter?
A BIN, or Bank Identification Number, is the first six to eight digits of a card number. It tells the card networks which bank issued the card and plays a major role in how a transaction is evaluated and routed.
Each BIN develops a reputation based on the merchants and transaction types it supports. When a BIN becomes heavily associated with NSFW or other high-risk activity, card networks often tighten controls. Legitimate transactions are declined not because they are fraudulent, but because the route itself has become overexposed.
For NSFW businesses, this is one of the most common and least visible causes of declining acceptance rates.
A practical path forward
There is light at the end of the tunnel. DIMOCO now provides access to a purpose-built BIN designed specifically to support NSFW businesses.
Rather than forcing merchants through overcrowded or unsuitable payment routes, this BIN offers a cleaner and more appropriate pathway through the card networks. The result is improved acceptance without compromising compliance or risk management.
Why this matters to the NSFW industry
More approvals with less friction: A dedicated BIN gives NSFW transactions a fresh route through the network, away from congested or overused identifiers. This leads to higher approval rates and a smoother checkout experience for end users.
Better balance between risk and acceptance: The BIN is paired with tuned fraud monitoring and portfolio management, helping reduce false declines while maintaining strong chargeback and fraud controls.
Diversification without complexity: Adding an additional BIN does not require rebuilding your entire payments stack. It allows merchants to diversify acquiring routes, reduce reliance on a single provider, and improve business continuity.
Declines do not have to be the cost of doing business
Too many NSFW operators accept payment declines as unavoidable. They are not. With the right payment infrastructure and partners who understand the industry, approval rates can improve significantly while staying compliant and protected.
If you have noticed falling approval rates or customers abandoning checkout after failed payments, a short acceptance review can uncover immediate opportunities for improvement.
