Netfield Media

What Netfield Media is

Netfield Media S.L. is a Merchant of Record and high risk payment company that sells payment processing, billing and partner payouts to operators of adult websites and platforms. Its about page says the company has been developing infrastructure for Merchant of Record, high risk payment and payment orchestration since 2012. The team section of the same page names Pierre Hartmann as founder and CEO, responsible for payment solutions and support, and Thomas Schreiber as UBO and CEO, responsible for sales and marketing. Jens Kruppa is listed as CIO and head of development.

The adult payment page describes the classic website with memberships, premium content or one-time access, and the platform built on credits, interactions and recurring usage, which covers adult, dating and creator services. Netfield says it serves both as a Merchant of Record, and the adult page also names fetish, BDSM and domination-related services among the business models it covers. No street address is written out; the about page offers only an embedded map.

What it sells an operator

The product is organized around the payment patterns that adult businesses often run side by side: single payments for individual content or features, top-ups for credits or wallet balances, and recurring payments for memberships and subscriptions. The pitch is that all of them should run in one system instead of as separate integrations, because a user on a platform may buy content, top up credits, buy extra features or hold a membership.

In the Merchant of Record model the site describes, a specialized provider takes the role of official merchant toward the payment networks, acquirers and banks. That bundles payment processing, billing and regulatory requirements in one place. The German explainer on the model adds that the Merchant of Record usually appears on receipts and statements as the responsible party, and that it can take on customer service, credit notes and refunds. It also lists EU VAT handling among the duties of the role. These descriptions explain the model in general; the pages do not turn them into a service-level promise.

The home page splits the infrastructure into modules:

• Merchant of Record, covering the handling of payment, settlement and partner payouts in one integrated system.
• High risk payment, described as stable payment handling, structured risk management and international acceptance.
• Payment orchestration, which connects payment routing, different payment methods and structured payment flows in one environment.
• Settlement and payouts, where revenue can be distributed and creators and partners are paid automatically.

A separate infrastructure page says Netfield runs its own processing instance in which merchant accounts, acquirer connections and routing logic sit together. Transactions are spread across several merchant IDs and acquirers by origin, card type, region or risk profile, and settlement and payout run through EBICS-based bank connections. The same page lists merchant account management, risk assessment, chargeback processes and settlement among the duties Netfield carries as Merchant of Record. On the integration side, the explainer says a single interface is enough to connect a platform. The checkout is described as deliberately slim: for many digital purchases an email address is enough, and for SEPA direct debit often only the customer's IBAN is needed. The same page lists what a good Merchant of Record billing system should offer, including cards, SEPA direct debit, online bank transfers, instant payments, local payment systems, several currencies and automated renewal of subscriptions. It presents these as selection criteria, so the exact payment methods open to a given merchant are something to confirm in the onboarding conversation.

Netfield also runs NetfieldCMS, its own content creator platform, offered as independent software. The pages say the starter version already includes integrated payment and can serve as a foundation for building a new platform. The pages give no price, feature list or license terms for it.

Terms that decide the choice

Durable points first. The adult payment page treats adult entertainment, dating and live chat as supported verticals and says many of these business models are classified as high risk because of digital content, recurring usage, sensitive user contexts and international payment flows. The high risk page adds that adult and erotic platforms face requirements beyond classic payment processing, such as compliance, age verification and bank-side policies. The rules themselves sit in a public documents area that lists, as German downloads, an anti-spam policy, a policy on preventing human trafficking and slavery, an 18 U.S.C. 2257 record-keeping compliance statement, an NCC policy, a content provider agreement, terms of use and privacy terms for its content sites, and a refund, chargeback and fraud policy. A further document area is open only to logged-in partners. The web pages themselves do not spell out which content types are refused.

The pages are also silent on the numbers an operator would ask for first. They give no processing fee, no rolling reserve, no chargeback fee or ratio limit, no setup cost, no settlement cycle length and no contract term. The explainer tells buyers to compare flat-rate and volume-based fee models and to ask about charges for chargebacks and particular payment methods, but it quotes none for Netfield itself. The home page offers a free first consultation and strategy conversation as the way in. The high risk page treats chargebacks as part of daily operations in this sector and says banks and payment providers watch their frequency and trend; Netfield's own thresholds are not stated.

Payouts have one clear published term. The explainer says payout to partners runs automatically in agreed cycles, with no minimum turnover and no minimum payout limit. It says all transactions and statements are documented and made available regularly, so partners can see their revenue at any time, and that Netfield handles the KYC and AML processes. The registration page adds a hard constraint: payouts can only go to SEPA accounts. An operator banking outside the SEPA area would need to raise that first.

Getting started and support

Onboarding runs through the partner registration form, which the German-language version of the site shows in full. It asks for the applicant's name, address and date of birth, contact details, the company name and a VAT ID or tax number. It then asks whether the applicant only needs a partner ID, the name of the project, whether a domain already exists or a desired domain, and the bank details for payout: account holder, IBAN and BIC.

For legitimation, the form lists the documents needed to enable a payout:

• an ID card (both sides) or passport of the beneficial owner, and the form states that a driver's license is not accepted;
• proof of address for the beneficial owner, a utility bill no older than 3 months;
• proof of a tax number or VAT ID;
• for companies such as a GmbH, LTD or SL, proof of the shareholders, either the articles of association or an extended commercial register extract;
• the same personal documents for managing directors and for larger shareholders;
• proof the bank account is real, where a statement copy is enough with everything blacked out except account number, holder and bank.

Up to 10 files can be uploaded in JPG, JPEG, PNG, GIF, DOC, DOCX, XLS, XLSX or PDF. Documents can also be sent later, though the form notes that better preparation means fewer queries and delays. The contact area has separate forms: a general inquiry for cooperation or questions about services, a customer inquiry for questions about a transaction or booking on one of its sites, the partner registration, and a form to report infringing or illegal content on its websites. Support hours, a phone line and a ticketing system are not described.

Company and track record

The pages date the infrastructure work to 2012. The about page frames the company as focused on the technical structuring of complex payment and settlement processes, on stable infrastructure for payment and automated payouts, and on letting digital platforms organize billing and partner payouts without building their own merchant or settlement structures. The infrastructure page states that Netfield has met the requirements of the PCI DSS standard since 2012. The pages name no client and no industry membership, and they publish no transaction volume.

Who it suits

For the adult payment processors category, Netfield fits an operator who wants a Merchant of Record to stand between the site and the card networks, and who needs more than a one-off checkout: a paysite with memberships, a creator platform with credits and tipping, or a dating or live chat service combining single, top-up and recurring payments. The built-in partner payout layer will matter to anyone who pays out creators or partners. The caveats are practical. There is no public price list, so cost only emerges in conversation. Payouts are limited to SEPA accounts. Much of the explanatory material, the registration form and the policy documents are in German, so a site's fit with the content rules means reading those downloads before applying. What the pages do establish is a processor that has run this kind of infrastructure since 2012 and covers pay-in, settlement and payout in a single chain.