Stop handing OnlyFans 20% of every fan

No. Paymos moves stablecoin payments and runs no merchant vetting — no category licensing, no content review, no refusal list. Everything that decides whether you may operate stays with you: 18+ age verification on every account (the Texas and Louisiana age-verification laws require it), performer records under 18 U.S.C. § 2257 if you reach the US market, state age-verification compliance across the growing list of states, and content licensing wherever you serve. Paymos doesn't enforce any of it for you, and it won't stand between you and an acquirer or regulator that comes asking later.

There are none in the card sense. A stablecoin transfer has no chargeback right behind it — once it confirms, it's settled, and the fan can't phone a bank to claw it back. The friendly-fraud bleed that an adult specialist prices into its reserve disappears with the card rail that caused it. The flip side: a genuine “I tipped the wrong creator” lands on your support team, and you settle it yourself as a manual transfer back from your platform's Paymos balance — on your call, on your timing. Plan that flow in and the maths still wins, even at a generous refund rate.

Paymos runs neither the age check nor any state geo-gate for you. Your platform stands between the fan and the checkout: you verify age before any content loads, you decide whether to serve Texas, Louisiana, Utah and the rest of the regulated map, and you own that compliance end to end. Payment is downstream of that call — Paymos sees a confirmed transfer, not a jurisdiction. Skip verification in a live-law state and the exposure is regulatory and legal, never a quiet Paymos decline you can lean on.

Adult content was an early stablecoin adopter for the obvious privacy reason — a wallet transfer leaves no card-statement line a household member can read. Adoption runs highest where card processing is unreliable and among privacy-conscious fans worldwide. USDT on Tron carries most small-ticket international volume because it's the stablecoin those fans already hold — not because Tron is cheap to send — it's the priciest network for sender gas. USDC on Base or Polygon costs the fan cents and picks up the US and EU segment; high-ticket VIP payments often land in USDT or USDC on Ethereum, where the fan trusts the chain over the gas. Let the fan pick the stablecoin and network at checkout.

Two parts. Splits: every payment settles to your platform's Paymos balance, and your own ledger tracks what each creator is owed. Paymos does not fan one payment out to several destination wallets at settlement, and creators are not Paymos accounts — your platform computes the split and pays each creator on your own schedule. Paying a creator out is a withdrawal from your platform's Paymos balance to a whitelisted address: Paymos takes 0 commission on it and even subsidises the network cost, so you pay only a reduced network fee, never a Paymos markup. Refunds in this category are usually accidental tips or content-not-as-described complaints — a manual outbound transfer from your wallet via the dashboard or API. The 1.0% is charged once, only on a settled invoice; a refund carries no extra Paymos fee and none of the double-interchange hit a card return takes.

Like any processor, Paymos honours lawful orders where it operates. A regulator with valid authority that directs a pause on a specific merchant gets compliance — the same answer Stripe or Adyen would give. The difference is the bar to reach that point: it takes action aimed at your operator entity, not a blanket category decline sitting at the acceptance layer. Be licensed and verified where you claim to be — that is the floor. Paymos carries the payment; it doesn't sit in for your regulator.