Comparison · Updated November 12, 2026
CCBill vs Epoch for adult and subscription billing
CCBill
B-
One of the longest-running high-risk processors in the United States, operating since 1998 and built around subscription billing for adult, dating, streaming and creator platforms. It will underwrite what almost nobody else will — but it publishes no rates, and its contract terms deserve a careful read.
Epoch
B-
Epoch is an online billing company that has processed payments for subscription and digital-content websites since 1996, and it has long served the adult entertainment industry. It calls itself a Visa and Mastercard payment facilitator. Merchants do not get their own merchant account: Epoch runs the payment pages, stores card data and handles cancellations and billing questions 24 hours a day. "Epoch.com", not the website's name, is what shows on the customer's card statement. As of November 2026, its published pricing is a single all-in percentage of sales. New accounts start at 15%, and the rate steps down to 13.25% as average weekly volume rises. There is no transaction, monthly or setup fee. A refund costs $1, a chargeback costs $12.50, and digital-content merchants based in the US or EU pay a $1,950 card-network registration fee each year. Epoch says it holds no reserve and takes no security deposit. It accepts merchants only from the US and from countries in the card networks' Europe region. It does not publish its payout schedule or contract length. Epoch.com, LLC is a defendant in a proposed class action filed in October 2025 by plaintiffs who allege they were trafficked by GirlsDoPorn, a former Epoch client. The court dismissed the first complaint with leave to amend, an amended complaint is pending, and no liability has been found.
VS
Overview
We compare the two for a US or European adult membership or subscription website on each company's standard published offering, online card sales only, using their own websites, help pages and published terms as read on 12 November 2026. Both are long-running billing companies for subscription and digital-content sites. Each hosts the payment page, runs recurring billing and answers your customers' billing and cancellation questions around the clock, and charges typically show on cardholders' statements under the biller's name rather than your site's. They publish opposite halves of the deal. Epoch publishes its price: one all-in percentage of sales, 15% for new accounts and stepping down to 13.25% as average weekly volume rises, plus $1 per refund and $12.50 per chargeback, with no setup, transaction or monthly fee. It also says it takes no reserve or security deposit. It does not publish its payout schedule, contract length or termination terms. CCBill publishes no rate, chargeback fee or reserve percentage, but its July 2026 merchant terms set out the rest: weekly payouts aiming for each Monday, nine days after each billing week ends, cancellation on 10 days' written notice, a security deposit held for a default minimum of six months, funds held for at least six months after you leave, and a one-year bar on using its acquirers or service providers. Both pass on the same $1,950 a year in Visa and Mastercard high-risk registration fees for the business categories that attract them. Payment Review grades both B-.
Key Takeaways
- ✓It depends on what you need to know before signing. Epoch publishes its price and says it holds no reserve. CCBill publishes its payout cycle and its contract terms. Neither publishes both, and both are graded B-.
- ✓Epoch charges an all-in 15% of sales up to $5,000 a week, falling in steps to 13.25% between $25,001 and $45,000 a week (larger volume is quoted), plus $1 per refund and $12.50 per chargeback. CCBill names its pricing models but attaches no figures to them, so you can only compare after it quotes you.
- ✓Epoch says it takes no security deposit and withholds no reserve. CCBill's terms hold a security deposit, percentage not published, for a default minimum of six months, and hold everything owed to you for at least six months after you leave.
- ✓CCBill pays weekly, aiming for each Monday, nine days after each Sunday-to-Saturday billing week. Epoch does not publish when it pays. CCBill's terms also bar you from using its acquirers or service providers for a year after you cancel; Epoch's terms are not public, so ask for its equivalent clauses.
- ✓Epoch takes merchants only from the US and the card networks' Europe region but offers customers far more ways to pay: 28 listed payment types and 58 currencies, against CCBill's cards, CCBill Pay wallet and US ACH.
CCBill
CCBill suits adult, cam, dating, creator and subscription merchants who want the payout cycle and exit terms in writing before they apply, who sell from outside the US and Europe, or who also sell CBD or physical goods. Expect to negotiate a rate and reserve it will not publish, and read the one-year non-circumvention clause.
Epoch
Epoch suits US and European-region subscription and digital-content sites that want to model the cost before applying and keep every dollar of each week's sales free of a reserve, especially if many customers are outside the US. Get the payout schedule, contract length and termination terms in writing, because Epoch does not publish them.
The Verdict
It Depends on Your Needs
Why?
Both are graded B-, and each publishes what the other keeps private. Epoch is the one whose cost you can model before applying: an all-in 15% falling to 13.25% with weekly volume, $12.50 per chargeback, $1 per refund, no other fees, and, by its own published policy, no reserve or security deposit. It also gives customers far more ways to pay. But you cannot see when it pays you, how long the contract runs or what happens to your money when you leave until you have a contract in hand, and it only takes merchants from the US and the card networks' Europe region. CCBill is the one whose operating terms you can read: weekly payouts nine days after each billing week, 10 days' notice to cancel, and 24/7 merchant support by phone, email and live chat. Those terms include a security deposit held for at least six months, all funds held for at least six months after you leave, and a one-year bar on using its acquirers. And it will not quote a rate until it has underwritten you. If cash flow and a known price matter most, start with Epoch and get its payout and exit terms in writing. If you are outside its eligible regions, sell beyond digital content, or want the exit terms settled before you integrate, start with CCBill and use Epoch's published table as the benchmark for CCBill's quote.
Feature by feature
Detailed Comparison
Filter Options
Pricing (published figures, November 2026)
| Feature | CCBill | Epoch |
|---|---|---|
| Processing rate | Not disclosed | 15% up to $5,000/week, down to 13.25% at $25,001–$45,000/week; quoted above |
| No winner, because CCBill publishes no figure to compare. CCBill's pricing page says its PSP offering, an account under CCBill's master merchant account, uses a flat rate with 'no monthly fees', and its ISO offering (your own merchant account) uses interchange-plus, tiered or discount-plus pricing, all without figures. Epoch's rate is all-inclusive, set by average weekly volume and adjusted automatically: 15.00%, 14.75%, 14.50%, 14.25%, 14.00%, 13.75%, 13.50%, then 13.25% for both the $25,001–$35,000 and $35,001–$45,000 tiers. Volume above $45,000 a week is quoted, and Epoch tells merchants moving an established business to ask for a quote. | ||
| Chargeback fee | Not disclosed | $12.50 per chargeback |
| Epoch also charges $1 for each refund it processes. CCBill publishes no per-item chargeback or refund fee. Its terms (section 5) let it pass on to you any penalty its providers charge it for your chargebacks, refunds or returned checks. | ||
| Setup, transaction and monthly fees | No monthly fees on the flat-rate PSP offering | None: no setup, transaction, decline, monthly or annual fee |
| No winner. CCBill's pricing page states only 'no monthly fees' for its PSP flat rate; its fee schedule (Schedule 1 of its terms) is not published, so any setup or per-transaction fee is unknown. Epoch's pricing FAQ lists the fees it does not charge. | ||
| Annual Visa/Mastercard registration | Visa $950 + Mastercard $1,000 a year, for certain business categories | $1,950 at contract start and each annual renewal, for US and EU digital-content merchants |
| The same total. CCBill's pricing page lists both as annual high-risk registration fees paid to the card schemes, applying only to certain business categories (MCCs). Epoch collects $1,950 when the contract starts and at each renewal and pays the card networks on your behalf. Neither card network publishes these amounts where we could find them, so both are the providers' own figures. | ||
Processing rate
CCBill
Not disclosed
Epoch
15% up to $5,000/week, down to 13.25% at $25,001–$45,000/week; quoted above
No winner, because CCBill publishes no figure to compare. CCBill's pricing page says its PSP offering, an account under CCBill's master merchant account, uses a flat rate with 'no monthly fees', and its ISO offering (your own merchant account) uses interchange-plus, tiered or discount-plus pricing, all without figures. Epoch's rate is all-inclusive, set by average weekly volume and adjusted automatically: 15.00%, 14.75%, 14.50%, 14.25%, 14.00%, 13.75%, 13.50%, then 13.25% for both the $25,001–$35,000 and $35,001–$45,000 tiers. Volume above $45,000 a week is quoted, and Epoch tells merchants moving an established business to ask for a quote.
Chargeback fee
CCBill
Not disclosed
Epoch
$12.50 per chargeback
Epoch also charges $1 for each refund it processes. CCBill publishes no per-item chargeback or refund fee. Its terms (section 5) let it pass on to you any penalty its providers charge it for your chargebacks, refunds or returned checks.
Setup, transaction and monthly fees
CCBill
No monthly fees on the flat-rate PSP offering
Epoch
None: no setup, transaction, decline, monthly or annual fee
No winner. CCBill's pricing page states only 'no monthly fees' for its PSP flat rate; its fee schedule (Schedule 1 of its terms) is not published, so any setup or per-transaction fee is unknown. Epoch's pricing FAQ lists the fees it does not charge.
Annual Visa/Mastercard registration
CCBill
Visa $950 + Mastercard $1,000 a year, for certain business categories
Epoch
$1,950 at contract start and each annual renewal, for US and EU digital-content merchants
The same total. CCBill's pricing page lists both as annual high-risk registration fees paid to the card schemes, applying only to certain business categories (MCCs). Epoch collects $1,950 when the contract starts and at each renewal and pays the card networks on your behalf. Neither card network publishes these amounts where we could find them, so both are the providers' own figures.
Best For Your Business
Recommendations based on your business type
New US or European membership site that wants to know the cost before applying
Recommended
Epoch
Epoch publishes its rate (15% up to $5,000 a week), its chargeback and refund fees, and says it holds no reserve. CCBill will only give you figures after underwriting. Budget for the $1,950 yearly card-network registration fee with either if your category attracts it.
Merchant whose cash flow cannot absorb a rolling reserve
Recommended
Epoch
Epoch's pricing FAQ says it takes no security deposit and withholds no reserve. CCBill holds a security deposit for a default minimum of six months. Ask Epoch to put the no-reserve term and its payout schedule in the contract.
Business incorporated outside the US and Europe
Recommended
CCBill
Epoch only signs businesses incorporated in the US or the card networks' Europe region, so it is not an option. CCBill publishes no equivalent restriction and says it serves merchants in 197 countries, but confirm your country with its sales team before you apply.
Merchant who wants payout timing and exit terms in writing before integrating
Recommended
CCBill
CCBill's published terms set weekly payouts, nine days after each billing week, and 10 days' written notice to cancel. Read its six-month post-exit hold and one-year non-circumvention clause before signing. Epoch publishes neither its payout schedule nor its contract terms.
Site with many customers in Latin America or continental Europe
Recommended
Epoch
Epoch lists 28 payment types, including PIX, Boleto, SPEI, iDEAL, Bancontact, BLIK and Przelewy24, and shows prices in 58 currencies and 17 languages. CCBill's current list is cards, its CCBill Pay wallet and US ACH.
Established adult platform billing large recurring volume
Both. Large operators often run two billers so one acquirer leaving the vertical does not stop sales. Epoch quotes volume above $45,000 a week individually and CCBill quotes everything, so get written offers from both and compare the rate, reserve and exit terms together. Check CCBill's non-circumvention clause first.
CCBill: Best for 2 use cases
Epoch: Best for 3 use cases
Frequently Asked Questions
Common questions about this comparison
Nobody can say from public information, because CCBill does not publish a rate. Epoch charges an all-in 15% of sales up to an average of $5,000 a week, falling in steps to 13.25% between $25,001 and $45,000 a week, with larger volume quoted individually, plus $1 per refund and $12.50 per chargeback, with no setup, transaction or monthly fee (as of November 2026). CCBill names its pricing models (a flat rate with no monthly fees for its PSP offering; interchange-plus, tiered or discount-plus for its ISO offering) but attaches no figures. Ask CCBill for a written quote and compare it with Epoch's table.
Epoch says it does not: its pricing FAQ states it requires no security deposit and withholds no reserve. CCBill's terms hold a security deposit, a percentage it does not publish, for a default minimum of six months, and it can raise it. When you leave CCBill, it holds all funds due to you for at least six months. Epoch does not publish what happens to your balance when you leave.
CCBill pays weekly. Its July 2026 terms aim for each Monday, and its help pages put that nine days after each Sunday-to-Saturday billing week ends; you can ask for two-weekly, four-weekly or threshold-based payouts instead. Epoch does not publish its payout schedule, so ask for it in writing before you sign.
Visa and Mastercard require merchants in certain high-risk business categories to register each year, and both companies pass that cost on. CCBill lists Visa at $950 and Mastercard at $1,000 a year for the business categories that attract them. Epoch charges US and EU merchants selling digital content $1,950 when the contract starts and at each renewal, and pays the networks on their behalf. The total is the same.
Charges through both typically appear under the biller's name rather than your website's. That is why each runs 24/7 cardholder support by phone, email and live chat and a purchase-lookup tool for people who find the charge on a statement. It is also why both have low Trustpilot scores (CCBill 1.5 from 113 reviews, Epoch 1.6 from 161 in November 2026), mostly from cardholders disputing charges.
Epoch only signs businesses incorporated in the US or in the card networks' Europe region, which includes the UK, EU states, Norway, Switzerland, Israel and Türkiye, and a non-US business needs at least one principal living there. Customers can pay from anywhere. CCBill contracts through US, Irish and UK entities, publishes no country list for merchants and says it serves merchants in 197 countries, so confirm your country with its sales team.
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