Need Advice: Reliable Payment Processor For High-risk Or Nsfw-adjacent Business

Hey folks,

I’m working on a new web project and I’m trying to choose a payment processor. I can’t really use Stripe because of their content restrictions, so I’m looking for alternatives and would really appreciate some advice from people who’ve actually integrated these in production. There's similar website/competitors with already implemented payment systems, so it's doable, but the ones I saw do not use normal payment processors like Stripe or so (i guess for this reason of being blocked or going against ToS)

Context:

• It’s a web app / site where users can pay or subscribe, but they do not pay for any nsfw content, the nsfw content its just shown on the website.
• It may be considered NSFW or “high risk”.
• There will be erotic/sexualized imagery (girls/guys, suggestive/erotic), but no explicit genitals (it could have explicit genitals sometimes but that will be moderated to prevent happening, but could happen), and nothing illegal or extreme.
• Think “spicy / softcore” but still potentially flagged as adult by most platforms.

What I’m looking for:

• A payment processor that:
  • Explicitly allows (or at least tolerates) NSFW / adult-adjacent content.
  • Has a clear policy so I don’t get randomly banned later.
  • Offers a usable API/SDK for typical web stacks (JS/Node, etc.).
  • Can handle one-time payments to start, possibly subscriptions later.
• Bonus points if:
  • They support EU-based businesses (I have a bit of confusion here, my company is an LLC in USA but the customers in EU). So I need EU-based business payment processor I understand?
  • Payouts and KYC aren’t a nightmare.
  • Fees are reasonable and documentation is solid.

I’m not asking for legal advice, just real-world dev experiences and recommendations so I don’t build the whole flow on something that will kill the account as soon as traffic picks up.

Thanks in advance for any pointers