Card-not-present, subscription-billed, discretion-sensitive — dating trips every classifier the networks have. What separates a placeable platform: real profile moderation, 3-D Secure on signup, a descriptor members recognize on their statement, and cancel flows that don't create disputes. Show those and you price as software, not adjacent-adult.
Moderated mainstream platforms run ~3.3–4%. Niche or 18+ adjacent communities price with the adult band instead — we'll tell you which you are.
Moderation policy, age verification, refund/cancel flow, and your statement descriptor plan (mystery charges = disputes = dead account).
3DS on the first transaction drops fraud disputes hard — and shifts liability to the issuer. Members never notice; underwriters always do.