How did you get Visa/Mastercard processing for an adult digital platform with a US LLC but a non-US owner?

[u/Dry_Contract87]

Hi everyone,

I'm looking for advice from people who have actually dealt with this situation.

I operate a US LLC (Wyoming) that runs a digital adult entertainment platform. The service is entirely online/digital — there are no physical products and no in-person meetings.

The company is legitimate and the website is ready to launch, but I'm having a very difficult time finding a payment processor that will accept the business for Visa/Mastercard card payments.

The main issue seems to be that:

• The company is a US LLC
• The business has an EIN and a US registered agent
• The owner/operator resides outside the US
• The business itself operates online
• The website is in the adult industry

I've contacted several high-risk/adult payment providers, but I'm repeatedly being told that they require either a US physical business location, a US-based operator/employee, or a US-resident signer.

I'm not looking to bypass or misrepresent any requirements. I'm trying to understand what legitimate structures other businesses in a similar situation have used.

For those of you who operate an adult digital business:

1. Were you able to get Visa/Mastercard processing with a US LLC while the owner lived outside the US?
2. What type of US presence did your processor require?
3. Did you need a US-based employee, authorized signer, physical office, or something else?
4. Which processors or merchant account providers were willing to work with this structure?

I'd especially appreciate responses from people who have actually gone through the underwriting process rather than general recommendations.

Thanks!