Centurion Payment Services

A Boca Raton provider that places adult merchants with acquirers

Centurion Payment Services, which also goes by CPS, is headquartered in Boca Raton, Florida, and describes itself as an independent payment services provider. It says plainly what it is not: a bank, a card network or an acquiring institution. Merchant accounts come through partner acquirers and processors, and the company's pitch is that it places high-risk and low-risk accounts directly with acquiring banks that want the business. The adult page is aimed at operators of adult websites, adult video platforms, creator subscription platforms and the newer AI adult and NSFW services, a category the company treats as its own segment.

The people behind it are named on the site. Michael Kleinman is co-founder and CEO, credited with a career in payment processing across low and high-risk industries. Amit Alcalay is co-founder and COO, credited with 15+ years of payment processing experience plus a background in commercial real estate. The About page adds that the company works with the first and second largest processors in the United States and serves businesses of all sizes and risk levels across the continental United States.

What an adult operator can buy

The adult page lists the businesses served: adult websites, adult video platforms, AI adult and NSFW platforms, AI companion platforms, creator subscription platforms, adult content creators, dating platforms, membership websites, subscription businesses, adult e-commerce, live streaming platforms and other digital content businesses. It offers dedicated guides for porn websites and paysites, membership sites, adult toy stores, fetish and BDSM sites, phone sex and adult voice services, erotic content and AI adult content, each covering that vertical's underwriting, billing and compliance questions.

On the product side, the page names support for membership sites, recurring billing and subscription models, plus help structuring a processing environment to manage disputes, fraud and chargebacks. International merchants are served depending on underwriting and acquiring availability. Discreet billing descriptors, which make statements show a neutral business name, are named on the adult toy store page, along with AVS, CVV and fraud screening for card-not-present retail and chargeback representment support built on shipping and delivery evidence. The same page says Centurion supports ecommerce gateways for WooCommerce, BigCommerce, custom carts and Shopify through a third-party gateway, and countertop terminals for physical boutiques.

The wider site adds a card processing and web gateway offer, mobile payments, EMV terminals, a cash discount and surcharge program for merchants who want to offset fees, and a partner program for sales agents and software firms. Those are general products, not adult-specific ones.

The terms an operator should read

The adult page does not give a content blacklist. It describes a set of requirements that adult and NSFW merchants face compared with standard businesses, depending on the business model and acquirer: enhanced underwriting and business verification, ongoing transaction and content monitoring, age-verification and access-control procedures, content and acceptable-use requirements, card network registration and program rules, and chargeback thresholds with dispute management. Every account is subject to underwriting and acquiring partner approval, and availability depends on business model, jurisdiction, compliance procedures and processing history.

For AI adult platforms the company says many mainstream processors decline them outright, and that its team knows which acquiring partners work with the category and how to present a business for review. It adds that each account is still underwritten.

Pricing is documented as a method rather than a rate card. Centurion prices on interchange-plus: card brand interchange and assessments pass through at cost, and its margin is a processor markup stated in basis points and fixed for the life of the account. The pricing page lists the negotiable layers as that markup, monthly account, statement and batch fees, PCI program fees, gateway charges for online volume and equipment, which it says is purchased outright or placed, never leased on a multi-year term. It rejects tiered buckets and says contracts carry no long-term commitment and no early termination fee. The home page adds no setup fees, contract buyout available, and a go-live time under 48 hours.

As read in October 2026, the page offers one benchmark figure: most merchants it reviews are between 2.8% and 3.6% effective, with card-not-present and high-risk accounts sitting above well-priced retail ones. That is a statement about merchants in general and not an adult quote. The solutions page promises next-day funding for card processing in general, while the adult page gives no funding time, reserve percentage or chargeback fee; the home page says a launch includes a plan for reserves, chargebacks and descriptors.

The terms of service fill in the contract side. The specific services sit in a Merchant Processing Agreement that the terms incorporate. Either party may end services on 30 days' written notice, and CPS may terminate at once for breaches of the terms, card network rules or the law. Rates may be reviewed quarterly and adjusted on volume and risk profile with advance notice, and merchants carry their own chargebacks: the terms say excessive chargeback ratios can bring additional fees, reserve requirements or termination under card network rules. The merchant must keep its own systems PCI DSS compliant and tell CPS about changes to the business or processing patterns. The terms are governed by Florida law, with disputes heard in Palm Beach County.

Getting started and support

The adult page lays out the steps in order. The merchant submits the website, business model, processing history and expected volume; Centurion reviews the business and decides which processing solutions may fit; the merchant completes underwriting and the compliance process; and, once approved, the merchant account and payment solution are integrated. The home page describes a similar flow in which Centurion pre-vets the business, matches it with an acquiring bank that has an appetite for the vertical, handles the bank's questions and document requests, and stays in touch after launch. A free rate audit is offered: send statements and an account representative returns a written comparison.

For adult toy retail the underwriting list is concrete: live store details with the full catalog, published shipping, refund and returns policies, formation documents and owner ID, 3 months of bank statements, prior processing statements if switching, and projected ticket and volume. The page says the list is a general guide and requirements vary by processing partner and business model.

Support is presented as a differentiator. The support center says a real person answers every call, 24/7, and the About page describes a boutique support team and a dedicated representative who reviews the account to keep rates competitive. Email response within 1 hour is claimed on the support page. A phone line and an office address are published.

Company and track record

The partner page claims more than 5,000 active merchants and, elsewhere on the same page, more than 10,000 merchants; both are the company's own figures. The About page says the company was founded on the belief that merchants deserve transparent processing, and that it passes on the buying power of its processor relationships. The site has location pages across several US states and an in-house underwriting, operations and security team. No founding year is stated on the pages.

Who it suits

For the high-risk merchant account category, Centurion suits an operator that wants a specialist to prepare a file, place it with an acquirer and keep one representative on the account, and that values a no-commitment contract and a fixed markup. For the adult payment processor category it covers paysites, video and live streaming platforms, creator subscriptions, adult retail and AI adult services. The caveats are the lack of published reserve, chargeback and funding terms for adult accounts, and a focus on the continental United States in the About page. Its strength is the transparency of the pricing method and the clarity of the exit terms.