What NETbilling Is
NETbilling has been serving the adult and high-risk space since the late 1990s. They take a gateway-first approach rather than bundling everything into a managed PSP service — which means you keep more direct control over your acquiring relationship, billing logic, and checkout behaviour.
If you need different fraud rules for different traffic sources, custom descriptors per product line, or precise control over how rebills are scheduled, NETbilling lets you actually configure that yourself. With a full-service PSP you're usually working around their fixed model instead.
Granular Control in Practice
The big selling point with NETbilling is configurability. You can set up different billing flows per audience segment, adjust fraud thresholds by traffic channel, and control exactly what appears on your customer's card statement. That last one is more important than people realise — descriptor confusion is one of the main causes of chargebacks, and NETbilling gives you direct control over it.
They also support multi-merchant setups, which is handy if you're running several brands or sites under the same business. Each merchant ID gets its own settings and routing rules.
Pricing and Fees
NETbilling doesn't publish a universal rate — pricing is quoted based on your bank, volume, and risk profile. No setup or application fees are typically reported, and volume discounts are available as you grow.
For merchants who can demonstrate low-risk behaviour and steady volume, rates can improve over time. They also have zero-fee and dual-pricing options for setups where you'd prefer to pass the processing cost to the customer rather than absorb it yourself.
Requirements and Onboarding
Standard requirements: incorporated business entity, compliant site with a clear refund policy, age and identity controls for adult content, and KYC/AML docs. Pretty normal for this industry.
One thing worth knowing: NETbilling is a good fit for merchants who want their own dedicated merchant account rather than being pooled with others on a shared PSP programme. Your processing history belongs to you, which matters when you're negotiating rates or thinking about switching banks later on.
NETbilling is a good fit when:
- You need granular control over billing flows and fraud rules per traffic source
- You want to customize statement descriptors to reduce chargebacks
- You are running multiple brands or sites under one entity
- You prefer a dedicated merchant account over a shared PSP model
How NETbilling Works with Miricam
NETbilling's gateway approach is well suited to Miricam operators who want to own the checkout experience end to end. Miricam passes clean order metadata including user IDs, session context, and transaction details into NETbilling's transaction flow. This keeps reconciliation tight and gives you accurate reporting across both systems.
The billing models Miricam supports (per-minute shows, credit packs, subscriptions, and hybrid combinations) all map cleanly into NETbilling's gateway. Custom rebill schedules and traffic-source segmentation work the same way they do for any other transaction type, giving you consistent control across your full product range.