[U.S. Start Up] - Help with banking setup for a startup with NSFW content
I am looking for some guidance from people who’ve dealt with high-risk platforms.
I’m currently working on an early stage startup (not yet launched) that’s a subscription based platform. It’s not a traditional adult site, so no creator payouts, no tipping, or marketplace features. Without giving away too much for obvious reasons, it’s a 2257-exempt platform.
A lot of the content will be NSFW and revenue will heavily rely on subscriptions (no selling content etc.). So I understand this still falls into a “high-risk” category from a banking/payment perspective.
My current plan is to use a payment processor like CCBill or Segpay for subscriptions, and a Wise business account as the company’s main bank account.
Flow would look like: Users → CCBill or Segpay Processor → Wise → LLC → Owner Salary
What I’m trying to figure out is which banks are more tolerant of this type of setup long-term? Has anyone successfully used Wise as their primary account for something similar? Is it realistic to maintain something like Chase just for downstream transfers, or is that risky? Any general advice on not getting accounts shut down once volume increases?
Not trying to do anything shady, just want to build this properly from the start and avoid getting blindsided later.