We Tranxact

A UK broker that prepares the application

We Tranxact is a UK payment consultancy, operated by WeTranxact Ltd and led by founder and senior payments consultant Rav Bains. Its own wording is blunt about what it is: "We Tranxact Ltd is a payment consultancy. We are not a bank." The pages state that all merchant services are provided by FCA-regulated acquiring partners, and the adult page adds that "We Tranxact is a broker; approval and contractual terms are decided by the provider after underwriting." We Tranxact is therefore a matchmaker and application coach, not a processor with its own rate card.

The adult-industry page opens with a plain definition: adult merchant accounts are specialist acquiring facilities for lawful businesses whose content, products or subscription models require enhanced underwriting. The offer on the page is to help a merchant prepare a transparent application and approach potentially suitable providers. The business serves UK and European companies, and the pages name London, Birmingham, Manchester, Leeds and Bristol among the places it works with, alongside the rest of the UK.

What it sells an operator

The product is a managed route to an adult-capable merchant account or gateway. The adult page describes the route in steps: define the model by documenting products or content, channels, participants, markets and payment flows; check readiness by finding missing commercial, website or control evidence; match potential providers whose stated appetite may fit; support underwriting by keeping answers and documents consistent; and compare written terms covering total cost, settlement, reserve, gateway and termination conditions.

The page is notable for splitting the adult category by model, with a different payment need and underwriting focus for each. An adult-products shop with a card machine is judged on declared stock, premises and identity. Adult-products ecommerce needs an online gateway and is judged on its product catalog, website policies, age controls, delivery and markets. A subscription content platform needs recurring billing, and the page lists consent, age and identity controls, content governance, renewal and cancellation as the focus. A creator or multi-party platform needs platform or marketplace payments, with participant onboarding, identity, content monitoring, fund flows and complaints in view. A cross-border business needs multi-currency acquiring, judged on entity location, customer countries and settlement exposure.

The wider service menu is general rather than adult-only: ecommerce payments, virtual terminal and MOTO, mobile card payments, same-day settlement, PCI compliance help, open banking, and card machines. The site also covers other restricted sectors such as CBD, vape, pharmacy, cryptocurrency and skill-based competitions. The company says it gives access to multiple merchant banking partners and personal UK-based guidance.

The terms that decide the choice

The adult policy is stated as an eligibility boundary rather than a content list: the company supports inquiries for lawful businesses only, and a provider may decline any content, product, jurisdiction or practice prohibited by law, card-scheme rules or its own policy. The page does not name permitted or forbidden content types. Instead it tells the applicant to ask the provider which exact products, content types, business models and countries are permitted.

The pricing section is deliberately non-numeric. The FAQ says pricing is provider- and risk-specific and tells the applicant to compare transaction, gateway, monthly, refund, chargeback, currency and termination costs, plus any reserve or security requirement. On reserves it says the acquirer decides whether security is required and sets the amount, duration and release terms. The page states that no approval, timeframe, price or reserve outcome can be promised before underwriting, and that approval time has no standard length. Recurring billing for adult subscriptions is described as supported by some providers where consent, billing descriptors, renewal terms, cancellation and customer service meet their requirements.

The broker's own commercial terms sit in the terms of use. An applicant can cancel before signing the contracts at no cost. After signing and returning them, the applicant is liable for the setup or broker's fee as quoted in the company's email communications, and the invoice is payable within 7 days of the acquirer's confirmation of the signed agreement. The terms also note that a longer settlement period and a larger rolling reserve can be offered where the processing bank wants more protection, that nobody can tell in advance whose terms will be raised, and that an applicant is under no obligation to continue if the revised terms no longer fit. The company reserves the right to refuse any customer for moral, ethical or other reasons. The broker's fee amount is not published, and the pages do not describe a DMCA or payout procedure.

Getting started and support

An applicant starts with an inquiry form or a call to the phone line in the site header. The adult page asks for the website, the declared business model, the payment methods needed, the current provider and the reason for switching, and an approximate monthly payment volume. The contact page asks that identity documents, full bank details and cardholder data not be sent through the first form.

The page lists the evidence a provider will want: company, ownership, director and address documents; a live website showing the legal business name and contact details; terms, privacy, refund, complaint, cancellation and delivery policies; clear billing descriptors; age and identity controls; content, performer, creator, supplier or product governance records where applicable; a description of how prohibited activity is detected and handled; recent processing statements showing sales, refunds and chargebacks; expected volumes and currencies; and customer-support and dispute processes. The page notes that a new business may need stronger evidence on ownership, controls, expected volumes, fulfillment and funding. On timing, the FAQ says approval has no standard timeframe and depends on the business model, jurisdictions, provider policy, evidence completeness and the questions raised in underwriting. No support hours are published.

Company and track record

The pages say Rav Bains founded the company and helps UK and European businesses compare merchant accounts, card machines, gateways and specialist payment routes. The footer states that We Tranxact Ltd is a Visa approved Third Party Agent with registration number 405221. The About page gives the company record: an active private limited company, company number 10392015, incorporated on 23 September 2016, with its registered office at Studio 9, St Paul's Square, Birmingham. The pages do not list named adult clients.

Who it suits

As a merchant account broker, We Tranxact offers a prepared route into acquirers that will look at adult models. On the processing side, it helps pick between a card machine, an online gateway, recurring billing or platform payments, rather than selling a gateway itself. It suits a UK or European adult shop, subscription site or creator platform that has been declined or does not know how providers read its model, and that values a structured evidence pack.

The caveats are plain. There is no rate card, no named acquiring partners and no published broker's fee, so cost is learned after contact, and the company stresses that no outcome can be promised. The strength is candor about process: the adult page names what underwriters examine, what to ask before accepting terms, and where a broker's role stops.