Adult Affiliate Payment Methods: How Do You Get Paid in 2026?

Adult affiliates get paid in 2026 in six main ways: Paxum, a bank transfer (SEPA, ACH or wire), crypto, another adult-friendly wallet such as Cosmo Payment or ePayService, MassPay or PayPal at a few networks, and paper checks. Payoneer, the first name most mainstream affiliates reach for, still won’t take adult income unless it pre-approves you.

Paxum is the one I’d open first. AWEmpire, CrakRevenue and Chaturbate all pay to it from a $50 to $100 minimum, and each payout costs you $0.25 to receive. Below are the adult affiliate payment methods side by side with their fees and the programs that pay by each, then the story of how I’ve been paid since 2012, from Payoneer to ePayService to Paxum. If you’re new to all of this, the adult affiliate marketing guide is the place to start; this page is the getting-paid part of it.

Adult affiliate payment methods compared

Fees are each company’s own published numbers, checked on 29 September 2026. The last column only lists a program where the program says so on its own pages. I checked five: AWEmpire, CrakRevenue, Chaturbate, Stripcash and AdultForce.

Two things the table can’t show. The cheapest route depends on where you live: an AWE payout by SEPA lands in a European bank for 1% with no second hop, while Paxum adds its own withdrawal fee on top of the $0.25. And when you’re starting out, the minimum matters more than the fee: Chaturbate’s $50 by Paxum reaches you months before CrakRevenue’s $500 threshold for Bitcoin or wire.

AWE’s own pages disagree on its bank minimums. Its payment methods page says $300 to $1,000 for bank transfer; its bank transfer page says $100 for SEPA and ACH and $500 for an international wire. I’ve used the second, more specific one above. Check the payout tab in your account before you plan around either.

Payoneer vs Paxum

For adult money, Paxum wins because Payoneer won’t take it. Payoneer’s restricted and prohibited businesses list, which I read on payoneer.com on 29 September 2026, says it “does not service transactions relating to” adult services, and names “adult live chat features”, “adult pictures, videos, games that include pornographic or mature audience content” and “dating services”. A footnote says Payoneer “may pre-approve” some of these after a review. Cam, dating and paysite commissions all sit on that list.

The Payoneer vs Paxum comparison that ranks at the top of Google, on Wise’s blog (December 2024), doesn’t mention that restriction, and its Paxum fees are out of date: it quotes a 0.05% wire fee and a $250 “Diamond” card, neither of which is on Paxum’s current schedule. Paxum’s own terms only bar a short list of illegal and extreme content, so ordinary adult affiliate income is what it’s for. Payoneer has pushed adult out once before, into First Choice Pay, which is where my own story below starts. You’ll still see Payoneer suggested as a fallback on GFY (a September 2026 thread about CCBill checks did), but its list says no.

Paxum alternatives

Every rail in this business has broken at some point, so have a second one set up before you need it.

• Bank transfer if you live in the SEPA area or the US and your program offers it. AWE’s SEPA and ACH and Chaturbate’s free ACH skip the wallet entirely.
• Crypto if Paxum doesn’t serve your country. Chaturbate can’t pay Paxum to India, and CrakRevenue can’t pay Paxum to Myanmar, Cuba, Iran, Iraq, Liberia, Libya, North Korea, Rwanda, Sudan, Syria or Zimbabwe. The fees are high on small payouts; my crypto payments guide has the numbers.
• Cosmo Payment at AWE and Chaturbate, which works the same way as Paxum: a wallet, then a card or a bank withdrawal.
• MassPay at CrakRevenue, for $1 a payment from a $100 minimum.
• ePayService, which I used from 2018 until I moved to Paxum. None of the programs I checked lists it publicly now, so ask your program before you open one.

Where each program covers getting paid

Each review has a getting-paid section with the minimum, the schedule and the methods:

• Chaturbate affiliate program: $50 minimum on most methods, periods ending on the 15th and the last day of the month, and the full method and fee table.
• AWEmpire, LiveJasmin’s affiliate program: Paxum, Cosmo, SEPA, ACH, EUR wire and crypto, paid twice a month, with a 1% fast payout option.
• CrakRevenue review: Net 30 by default, $100 minimum, $500 for Bitcoin or wire.
• Stripchat affiliate program (Stripcash): paid twice a month, about 15 days after each period, in USD or EUR.
• AdultForce review: NET-15, twice a month; the methods are only shown in the dashboard.
• Streamate affiliate program: CamBuilder pays weekly, and the October 2025 payment failure is covered there.

The guides in this section

• Paxum review: every fee on the current schedule, worked examples for a $1,000 payout to a US bank, an EU bank and the card, KYC, and what the complaints are about.
• Crypto payments for adult affiliates: which programs pay crypto, what each charges, choosing a coin and a chain, and the records to keep.

How I’ve been paid since 2012

I wrote this in July 2020 and it stays as I wrote it. What has changed since is in the 2026 update after it.

Be a smart adult affiliate

Times change, offers die out and payment methods unfortunately come and go. As an adult affiliate you have to be quite savvy as getting paid isn’t quite as straight forward as other mainstream offers. Hopefully one day this will change but for the last 8 years I have been an affiliate there has been a few disruptions and I have gone through 3 different ways of getting paid in that time. If you don’t want to read my experience with adult payment services you can skip to the bottom to see the two options I recommend.

A Brief history of payment services

I started out my journey as an adult affiliate in 2012. I wanted to promote some models I was working with so I started doing some research. I found that to promote LiveJasmin you needed to be an affiliate with AWEmpire. So I signed up to them, in the process just I saw that I could get paid via Payoneer which at the time suited me, you could use a debit card that you sort of “topped up” on their page and also a bonus was at this time I could even reload my PayPal onto it (This feature didn’t last long, but it was good while it lasted). Eventually Payoneer decided for whatever reason to kill adult from its brand and setup First Choice Pay.

Smooth Sailing

I enjoyed my relationship with Payoneer and First Choice Pay until around Late March/April 2018 when rumours started that choice bank that is involved in processing transactions for them was having issues. Thankfully I withdrew all my money before this happened and applied early to ePayService who literally moved so quick to get me setup and shipped me a debit card, unfortunately because of my home country the card was in euros which was a bit frustrating as a lot of sponsors at the time only paid out in USD.

The ePayService card was very good, I reached enough volume that I was able to apply to have my limits raised and I used this card for quite some time. I didn’t mind too much the fact I had to convert from USD to Euros, and AWEmpire switched to paying out via Euros anyway as did some other partners I receive money from. The problem actually came randomly, in the location I was staying the card stopped working at my favourite ATM which allowed me to withdraw a considerable amount of money in one withdrawal, which worked out faster, easier and cheaper because you get charged per withdrawal.

It might have only been a temporary thing but I jumped ship to Paxum at this point as I had to pay people in cash and not being able to use my regular ATM was an issue.

Life With Paxum

Paxum was also affected by some similar disruptions in the industry, and for a while I had to use a temporary card they issued while they were searching for a longer term partner bank to issue the payments.

Recently Wirecard, the bank who provide the service for Paxums Prepaid Card that I am using have been involved in a scandal. For a while the cards were frozen but now have been unfrozen I am not sure if there’s going to be more issues in the future.

I am currently using the Paxum Prepaid Card (SEPA) to withdraw my payments from various sponsors that I promote. This card is in USD which is mostly fine for me at the moment only one of my partners pays me out in EUROS. You can get paid via these payment services to your bank, there are fees involved but this could be better for you depending on your situation.

Paxum vs ePayService

I personally think it depends on your situation and country, you should probably sign up to both and see which one suits you best. Paxum certainly has the edge with the amount of sponsors it supports, I do see ePayService being added to more places recently. More recently, I reached out to ePayService earlier in the year and they told me that I can get a USD card for $12, I think to get this done when you sign up you just have to email support asking for a USD Currency card and have enough balance for that to go through.

Sign up

I recommend you sign up to both, you never know when something in this industry will change or you may spot a juicy new offer which only pays out via one of the two. It is free to sign up and I think you will only get charged if you activate a card and start receiving payments on each platform. If you have any questions about either platform or need more information feel free to reach out to me or write down in the comments below.

That is it for this post for now, I think it is important to keep up to date with what is going on in the industry so you are always getting paid.  So before even considering affiliate programs or anything else, make sure you can get paid first!

Update, September 2026

I wrote the post above in July 2020, so “recently” and “8 years” are as of then. A few things have changed since:

• Payoneer is still out for adult income. Its prohibited-business list names adult live chat, adult videos and dating, and it won’t take that money unless it pre-approves you (details in Payoneer vs Paxum above).
• Wirecard collapsed in 2020. The Paxum prepaid card is now a UnionPay card (and a Mastercard in some regions), not the Wirecard one I had.
• Paxum’s current fee schedule: $0.25 to send or receive a payment between Paxum accounts, $5 for a local bank transfer to your own account, and $5 if the account sits unused for six months. Signing up is still free. The full list is in my Paxum review.
• The ePayService USD card for $12 was what they quoted me at the time. Their fee page now lists a EUR Mastercard that is free to issue and costs €1.99 a month; check with them before you order a USD one. Chaturbate’s payout table no longer lists ePayService, so check that your programs still pay to it.

Once you can get paid, part two of this guide is choosing an offer.

FAQ

Can adult affiliates get paid by PayPal?

At a few programs, in a few countries. CrakRevenue pays PayPal from $100, but only to Australia, Canada, France, Germany, Hong Kong, the UK and the US. None of the other four programs I checked lists PayPal.

What is the cheapest way to take a first small payout?

Usually Paxum. A $50 Chaturbate payout costs $0.50 on Chaturbate’s side and $0.25 on Paxum’s, then $5 if you move it to your bank by local transfer. Crypto at the same program needs $200 and costs $45 for Bitcoin.

Do adult affiliate programs send tax forms?

Don’t count on it. CrakRevenue’s help pages say it sends no tax forms and that declaring the income is your job. Keep your payment history from each program and each wallet, and ask an accountant where you live.

Update log

• 29 September 2026: Added the 2026 update notes under the original post (Payoneer’s current policy, the Wirecard collapse, Paxum’s current fees).
• 29 September 2026: Turned the post into the hub for getting paid: added the payout methods table (fees and programs checked against the pages of Paxum, AWEmpire, CrakRevenue, Chaturbate, Stripcash, ePayService and Payoneer), the Payoneer vs Paxum and Paxum alternatives sections, links to each program’s payout terms and to the Paxum and crypto guides, and the FAQ. The July 2020 post itself is unchanged.

Where the facts in this guide come from: methodology.