Underwrite Adult Merchants with confidence.
Adult and AI-native merchants are arriving in your onboarding queue faster than your review process was designed for. Their risk lives in what their models generate, not on their website. Omnifence AI gives underwriting and risk teams a real-time content control they can require, verify at boarding and monitor after approval.
- Content controlOmnifence active
- Modalities coveredText, image, video, audio
- Network-prohibited categoriesBlocked
- Moderation reportsAttached
- Shared RegistryMember
- Post-approval monitoringOngoing
Adult AI merchants are arriving faster than your process can review them.
Merchant risk processes were built for businesses whose behavior shows up in statements and websites. An adult AI merchant's behavior lives in its model, and it changes with every deployment.
Opaque behavior
What a merchant's AI will produce for a motivated user is invisible from its marketing site, terms of service or policy PDF.
Network exposure
Content failures flow upstream, from merchant to PSP, to acquirer, to card network, with your name on the file at every step.
Inconsistent review
Without a common standard, each analyst improvises, and decisions can't be compared across applicants or defended later.
Drift after approval
A merchant that looked clean at onboarding can ship a new model or loosen its filters the following week.
What to require from every adult merchant.
Five conditions that turn content risk into something an analyst can verify. Omnifence gives merchants every one of them.
A live content control
Every prompt, output, image, video and voice clip passes through real-time moderation before it reaches users.
Policy aligned with the networks
Zero tolerance for CSAM, deepfakes, non-consent, bestiality, incest and the other categories card networks prohibit.
Exportable decision logs
Moderation reports the merchant can export for your file at boarding, at review and after an incident.
Custom rules for your conditions
Approval conditions specific to your portfolio, enforced as moderation rules in the merchant's own flow.
Repeat offenders kept out
Membership of the Shared Registry, so users banned elsewhere for payment fraud or prohibited content are stopped at sign-up.
From first application to final decision.
Keep the onboarding process your team already runs. Omnifence adds a standard content control and an evidence step where the guesswork used to be.
Merchant applies
An adult, AI companion, roleplay or generation platform enters your onboarding queue.
Require Omnifence
Make real-time moderation of text, image, video and audio a boarding condition.
Review the evidence
The merchant shares its moderation policy and exported reports, so analysts review a control that is actually running.
Approve and monitor
Approve, reject or set conditions. Ongoing moderation logs show the control stays on between periodic reviews.
One review standard for every adult merchant.
The same control, the same evidence and the same monitoring across every adult merchant in your portfolio.
Verify a working control
Confirm that the merchant routes its content through Omnifence and runs a policy that covers network-prohibited categories, instead of reading a policy PDF.
The same evidence for every applicant
Policy coverage, moderation reports and registry membership in the same shape for each adult merchant, so analysts can compare, escalate and archive.
Controls between reviews
Moderation keeps running after approval and every decision is logged, so approval conditions keep being met long after the file is closed.
Built for the teams that carry the risk.
One standard for adult merchants across underwriting, ongoing monitoring and the bank behind the portfolio.
Underwriting teams
A consistent standard for boarding adult and AI merchants, so decisions can be compared across applicants and defended later.
- A clear content-control requirement
- Policy aligned with network-prohibited content
- Evidence to attach to the merchant file
Risk & monitoring teams
Visibility into what merchants' AI systems block after go-live, not just at onboarding.
- Moderation reports on request
- Spot drift between periodic reviews
- Logs to speed up incident investigation
Acquiring & sponsor banks
A portfolio-wide baseline for adult merchants that reduces brand and network exposure.
- One standard across your PSP partners
- Lower exposure to prohibited content
- A defensible story for schemes and regulators
A policy aligned with what networks prohibit.
Omnifence blocks the categories that put merchants, processors and banks at risk, across text, images, video and audio, while consensual adult content stays allowed.
- Child sexual abuse material
- Celebrity & public-figure deepfakes
- Rape & non-consent
- Incapacitation & coercion
- Bestiality & teratophilia
- Incest
- Violence, gore & pain infliction
- Prostitution & trafficking cues
- Hate speech & discrimination
- Drugs in sexual contexts
- Weapons in sexual contexts
- Self-harm & eating disorders
Frequently asked questions
What should we ask an adult merchant to show at boarding?
A live moderation control in its production path, a policy that covers network-prohibited content, exportable moderation reports, and ideally Shared Registry membership. Omnifence gives merchants all four.
How is this different from a questionnaire or attestation?
An attestation records what a merchant says about its controls. Omnifence is the control itself, running on every request, with logs that show it working.
Does this replace our KYB and website review?
No. It complements them. KYB and website review tell you who the merchant is and what it sells; Omnifence shows what its AI actually generates and blocks.
Can we require Omnifence for designated merchants?
Yes. You can make real-time moderation a boarding condition for designated adult and AI merchants. Talk to us about a partner setup for your portfolio.
Does it cover image and video generation merchants?
Yes. Images, video and audio are moderated alongside text under the same policy.
What happens after approval?
Moderation keeps running in the merchant's production flow and every decision is logged, so you can request reports at any time instead of relying on a one-time review.
Put a real control behind your adult merchant decisions.
Tell us about your onboarding flow and the adult merchants in it. We'll walk your team through the policy, the logs and a partner setup.