This question usually gets answered with a list of adult-friendly processors. That list answers a different question than the one being asked, and knowing the difference will save an agency months of setup work.
Two different questions hiding behind one
"What payment gateway should we use" usually means one of two things, and they're solved by completely different types of company:
- How do we bill the fan? This is a checkout and subscription billing problem. For an OFM agency, it's already solved, OnlyFans itself handles this through its own payment processor.
- How do we automatically split what comes out the other end between the agency and the model? This is a completely different problem, a marketplace payout or split-payment infrastructure problem, and it has nothing to do with how the fan originally paid.
Most "best payment gateway" content answers the first question. An OFM agency researching this topic is almost always trying to solve the second one, and the two lists of providers barely overlap.
Layer one: front-end billing processors for adult content
Names like CCBill, Segpay, Epoch, and Verotel come up constantly in adult industry payment discussions, and for good reason, they're long-established processors built specifically to bill customers for adult subscription and content sites, handling age verification, recurring billing, and chargeback management for merchants that mainstream processors won't underwrite.
These are genuinely useful tools, for an independent adult website taking payments directly from customers. They are not relevant to an OFM agency's commission problem, because OnlyFans is already the front-end billing processor in that relationship. An agency doesn't need a second checkout gateway, it needs a way to split what OnlyFans already paid out.
Layer two: split-payment infrastructure
The category that actually answers the agency's question is sometimes called marketplace payments, payment facilitation, or embedded finance, platforms built to automatically divide a single incoming payment among multiple parties. Stripe Connect, Adyen for Platforms, Mangopay, and Lemonway are commonly cited examples of this category, used by marketplaces, gig platforms, and booking sites to split a customer payment between a seller, a driver, a host, or a partner automatically, without a manual transfer.
This is structurally the same problem an OFM agency has: one incoming amount, needing to become two separate, automatically calculated shares.
- Front-end billing processor. What it solves: charging the customer, subscriptions, age verification. Examples: CCBill, Segpay, Epoch, Verotel.
- Split-payment infrastructure. What it solves: dividing one payment automatically among multiple recipients. Examples: Stripe Connect, Adyen for Platforms, Mangopay, Lemonway.
- Adult-adjacent split infrastructure. What it solves: automated agency and model splitting, built for creator agencies specifically. Example: Legacy Solutions.
That third category is narrow because almost nothing occupies it. The first two categories are well populated and easy to research precisely because neither one requires solving both problems (adult-industry underwriting and automated multi-party splitting) at the same time.
Why most split-payment platforms won't touch adult content
Here's the part that actually explains why this is hard to research: nearly every major split-payment and marketplace-payments platform explicitly excludes adult content from what it will process. Mangopay's published prohibited business list names adult entertainment, adult webcams, and pornography specifically. Stripe's acceptable use policy excludes adult subscription sites and adult content outright. This isn't a quiet gray area, it's stated plainly in each provider's own policy.
The result is a genuine gap, not a research failure on the agency's part. The processors built for adult content don't do multi-party automated splitting, they do customer checkout. The processors built for multi-party automated splitting explicitly don't accept adult content. An OFM agency sitting between those two categories won't find its answer on either list.
What an OFM agency actually needs
Closing this gap requires a banking or payment institution partner that does two things at once: explicitly underwrites adult-adjacent creator and agency business, and supports programmatic, automatic splitting between two or more account holders on a single incoming payout. That combination is narrow. It generally isn't a mainstream split-payment platform with adult content added on, and it isn't an adult billing processor with splitting bolted on.
Legacy Solutions is built specifically around that combination. Each model holds her own dedicated account at a licensed banking partner, the agreed commission split executes automatically the moment revenue lands, and the software layer on top handles reporting and reconciliation for both the agency and each model. It's not a rebranded checkout gateway or a general marketplace-payments platform with adult content permitted as an exception, it's infrastructure built around this specific gap from the start.
What to check before trusting a "split payment" claim
When evaluating any tool or platform that claims to support automated creator splitting, the questions that actually separate a real solution from a rebranded checkout tool are:
- Is the split happening at the banking level, automatically, or is a "split" feature actually just faster manual transfers between two separate accounts?
- Who is the underlying licensed institution, and does its own policy explicitly cover adult-adjacent creator agencies, or is that being assumed rather than confirmed?
- Does each party hold their own verified account, or does the "split" still route everything through one party's account first?
- Is documentation produced automatically for every split, in a form that would satisfy a bank or accountant asking to see it?
Frequently asked questions
Can CCBill or Segpay automatically split commission between an agency and a model?
No. These are front-end billing processors built for charging customers on adult websites, not infrastructure for splitting funds between multiple parties after the fact. They solve a different problem than agency commission splitting.
Does Stripe Connect support adult content creator platforms?
No. Stripe's acceptable use policy excludes adult content and adult subscription businesses, which applies to Stripe Connect the same as any other Stripe product.
Why can't agencies just use a mainstream marketplace payments platform for splitting?
Because the major platforms in that category, including the ones most commonly recommended for marketplace splitting, explicitly prohibit adult content in their own published policies. Using one would mean either misrepresenting the business at onboarding, which carries its own serious risk, or having the account closed once the actual business activity is identified.
Is there a single well-known gateway that solves this for OFM agencies?
Not among the mainstream, widely advertised checkout or marketplace-payments names. Legacy Solutions is built specifically around this combination, adult-adjacent underwriting plus automated multi-party splitting, rather than being a general-purpose gateway with adult content added as an exception.