Adult is the vertical where discretion and documentation decide everything. The banks that underwrite it want three things bulletproof: age verification at the door, 2257 records where they apply, and a statement descriptor that never surprises a cardholder. We place it quietly, at banks that have done it for years.
Expect ~4–6% with a rolling reserve (often 10% early on) — it's the priciest mainstream-banned vertical, and volume discounts are real.
Age-verification vendor, 2257 compliance statement where applicable, content-moderation policy for platforms, and model releases.
Discreet descriptors, high-risk 3DS flows, and banks with a decade in the vertical. No judgment, no surprises, terms in writing.