CCBill is the closest thing the adult industry has to a default processor: decades in the space, deep experience with high-risk merchant accounts, recurring subscriptions, and chargeback management. Onboarding is more involved than a mainstream gateway, but that scrutiny is exactly why banks keep CCBill accounts open.

Fees aren't the lowest, and the dashboard shows its age, but for a paysite or membership business that needs to actually stay billable, the reliability is worth it.