For ISOs, payment facilitators and acquirers boarding adult-content merchants

The assessor asks merchant by merchant. Is the evidence current?

Ringfence keeps the control file Visa’s Integrity Risk Program expects an acquirer of adult-content merchants to show: each merchant’s card-brand registrations renewed yearly, the KYC review, six content policies on file, every site review, each month’s report and dispute ratio, and the acquirer’s own control assessment on its cycle.

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Opens in this browser with an invented ISO already in it. No account, no email address, nothing installed.

Ringfence with its example records in it

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The problem

Adult content is Tier 1.

Visa’s Integrity Risk Program puts high-integrity-risk merchants into three tiers, with adult content under MCC 5967 in Tier 1. Each merchant is registered, and the acquirer goes through control assessments. When the assessor comes, the acquirer shows, merchant by merchant, that registrations, underwriting, content policies, site reviews and dispute ratios were there and kept current.

Tier 1

where adult content, MCC 5967, sits in Visa’s Integrity Risk Program.

LegitScript →

Control assessments

the acquirer faces for its high-integrity-risk merchants.

LegitScript →

1.0%

the starting dispute line; any merchant over it is flagged.

Will not let stale evidence pass for current.

A registration past its year, a missing content policy, a site review past its cycle, a monthly report not in, a merchant over the dispute line, and the acquirer’s own assessment past its year are each on the file. The evidence list is Ringfence’s reading of the brands’ standards, to be matched to your own card-brand rules.

How it works

Merchants, the month, settings

Record each merchant

MCC, boarding date, Visa and Mastercard registration, the KYC review, the six policies, and every site review.

Close the month

Last month’s report and dispute ratio for every merchant, in one pass.

Set your numbers

Review cycle, dispute line, and your last control assessment and its cycle. Print the file for the assessor.

What it will never do

It keeps the file. It registers nothing.

Ringfence holds the evidence. You register merchants with the card brands.

No card-brand link.Nothing is registered or submitted.

Your own rules.Match the evidence list to your Visa and Mastercard rules.

It is not a lawyer.Not legal advice.

It never touches a payment.The subscription is for software.

Pricing

Priced per acquirer

Less than one finding in a control assessment.

Most ISOs

One acquirer

$49/month

Every adult merchant one acquirer boards.

Registrations and policies
Site reviews on a cycle
Monthly reports and ratios

One acquirer, yearly

$490/year

The same, two months free.

Everything in One acquirer
Your assessment cycle
Printable assessor file

Subscription. Your bank statement says Ringfence Software. Refunded in full on request within 30 days. Your licence key is emailed to you within two working days of payment.

Checkout is our own bitcoin server, not a card processor — nobody we had to apply to and nobody who can close the account. The button takes you straight to it. Give your email address there — that is where your key is sent.

Questions

The ones we actually get asked

Which policies are on the list?

Age and identity checks, consent of everyone depicted, review before publishing, complaints within seven business days, an appeal for people depicted, and prohibited content.

How often are sites reviewed?

Every ninety days to start. It is your setting.

Is the list official?

It is Ringfence’s reading of the brands’ adult-content standards. Match it to your own rules.

Is this legal advice?

No. It is the file the assessor asks for.

What do I actually get when I pay?

The demo on this page is the whole program, running on invented records. Paying gets you a licence key — one line of text, emailed to the address you give at checkout within two working days. Paste it into the program and from then on it keeps your own records. Until then, nothing you type into it is kept.

The key is checked inside the page, on your own machine. It never calls us, so there is still no account and nothing about your business goes anywhere. If you ever stop paying, your records stay exactly where they are, read-only, and Export still hands you every one of them.

Open the demo before the assessor arrives

The invented ISO has three merchants: one in order and two with gaps — a lapsed registration, a missing complaints policy, an overdue site review, a dispute ratio over the line — and its own assessment is past its year.

Open the demo See pricing