Subscriptions, credits and tokens change what the provider needs to understand.

Describe the real billing model

• Recurring subscription only.
• Subscription plus prepaid tokens or credits.
• One-time token/credit packs.
• Usage-based or pay-per-generation charges.
• Mixed free tier + paid subscription + token purchases.

A provider cannot underwrite accurately if the website presents one model while checkout behavior operates another.

Cancellation and refund logic matters

Recurring products need a clear cancellation path and understandable renewal terms. Token/credit products should explain what the customer buys, when credits expire if applicable, and how refunds are handled. These are operational facts; final provider requirements remain route-specific.

Adult AI adds another layer

Specialist providers currently publish dedicated Adult AI programs that discuss subscriptions, credits/tokens and recurring billing. That is evidence that the model is commercially recognized, not evidence that every Adult AI merchant or every implementation is automatically eligible.

What to have ready before provider review

• Plain-language product and business-model description.
• Exact billing model and checkout flows.
• Pricing and renewal presentation.
• Cancellation/refund/support policies.
• Coarse target/customer GEOs.
• Processing history and chargeback context if already processing.
• Content architecture: synthetic-only vs UGC/live/creator inputs where relevant.

Current source signals

Corepay currently markets recurring subscription and credit/token support specifically for AI adult chatbot platforms. MobiusPay currently markets subscription, token/credit and pay-per-use support for adult AI. These are provider claims and do not replace account-specific underwriting.