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Adult Payment Processors · Editorial review

FastoPayments review: an Estonian broker for adult and clubs

fastopayments.com

FastoPayments is a payments broker in Tallinn, Estonia, that places adult, cam, fan, escort and strip club businesses with more than 20 unnamed financial partners. It expects startups to reach 25,000 a month in sales within six months, offers POS terminals for venues, and publishes no rates.

Multi-acquirer brokerIBAN accountCrypto payoutsPOS for venuesCompany formation

Our verdict on FastoPayments

FastoPayments fits an established adult business in the US, Canada, the UK or Europe that wants someone to take its application to a bank, especially a strip club, adult store or licensed escort that needs card terminals as well as online payments.

A new site with little history will struggle to meet the 25,000-a-month expectation for startups, and nothing is priced before the quote: no rate, reserve or payout timing is published.

FastoPayments home page, a merchant account broker for the adult industry
FastoPayments

Card terminals for strip clubs, adult stores and escorts

FastoPayments supplies discreet POS terminals for strip clubs, adult retail stores and licensed independent escorts, with tipping and real-time reporting, alongside online payment gateways. A license is only required where local law calls for one, as with some clubs and escort services. Escort listing platforms are covered for listings, subscriptions and advertising fees.

Online adult businesses FastoPayments covers

Online, it targets porn sites, live cam platforms, fan subscription sites, adult AI apps, adult dating and online adult stores. Cam platforms can bill with tokens, pay-per-minute sessions or recurring memberships, and pay performers by SEPA, SWIFT, crypto or local bank transfer. Fan sites can pay creators daily, weekly or monthly.

The core products are card processing, direct debit and a business IBAN account for companies registered in the EU, EEA, UK, Norway or Switzerland. Crypto and other local payment methods are added through third-party tools. Onboarding for a cam platform typically takes two to three weeks.

FastoPayments eligibility rules

FastoPayments mainly works with companies registered in the EU, EEA, Schengen Area, UK, Switzerland, US and Canada. Others can apply without any guarantee. Startups need founders with a solid business record, financial evidence for their projections and at least 25,000 a month in expected processing within six months.

Roughly 10% to 30% of sales should come from the country of incorporation, so a US company should have US customers. For files that fall short, FastoPayments offers company formation in Cyprus, Estonia or Denmark.

How the FastoPayments brokerage works

FastoPayments OÜ describes its role as payment brokering: connecting merchants with gateways and processors among more than 20 high-risk-friendly financial partners. It reviews your model, sends a proposal, collects documents, checks the site and handles the bank’s underwriting questions. It also sells chargeback and fraud tools, plus email marketing and social media services.

Is FastoPayments legit?

FastoPayments is a registered Estonian company, FastoPayments OÜ in Tallinn, but it works as a broker and publishes no payment license of its own. The company was conceived in November 2018 and incorporated in January 2019, and also trades through payfasto.com. It publishes no payment license and names none of its partners. Some fees, such as setup, may be non-refundable. The customer testimonials on its home page are placeholder text made of cryptocurrency names, signed “Jane C.” and “Guy H.”, and the payfasto.com Trustpilot profile shows 3.5 out of 5 from 9 reviews.

Strengths and limitations of FastoPayments

Strengths

  • POS terminals for clubs, stores and licensed escorts.
  • Application handled through to the bank.
  • Business IBAN account for European companies.
  • Performer payouts by SEPA, SWIFT or crypto.

Limitations

  • No published rate, reserve or payout timing.
  • 25,000 a month expected from startups.
  • No license and no named partners.
  • Placeholder testimonials on the home page.

FastoPayments vs Easy Pay Direct and Cardflo

Easy Pay Direct also places US adult merchants with partner banks and publishes its standard rates, with ACH for US buyers. Cardflo prices high-risk accounts from 1% over interchange with no setup fee. FastoPayments publishes neither, but adds terminals for venues. A US website compares Easy Pay Direct first, a club or adult store FastoPayments.

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