From virtual chatbots to interactive dolls, people are increasingly comfortable sharing their most intimate moments with AI.
Just look at the numbers: AI companion apps have racked up 225 million downloads on Google Play alone. As a creator on OnlyFans or a subscription-based adult service, you might be wondering if you need to jump on the AI content bandwagon to stay competitive. But there’s another way AI could help your business right now: protect your earnings from fraud.
You know the problem all too well: fraudulent chargebacks cost your business a fortune. It’s not just the face value of a refund, it’s fines from payment processors and hours lost fighting the dispute.
In this article, we’ll examine chargeback fraud in the adult industry, how to prevent it, and why scammers act this way in the first place.
The Most Common Types of Fraud in the Adult Subscription Industry
It’s no secret that the adult industry is a hotbed for fraud. For one, people sometimes try to hide adult site charges on their statements. Maybe it’s a shared credit card, or they’re worried about what their bank might think. So even when they knowingly made the purchase, some customers will hit that dispute button simply to “save face”.
What we’ve just described is commonly referred to as friendly fraud, which represents 70% of all fraud in adult entertainment.
Stolen cards are another threat, and the fastest way for fraudsters to burn through your business. The pattern is depressingly familiar: A “customer” signs up with a stolen credit card, binges on high-value content, and vanishes. Days later, the real cardholder spots the charges and files a dispute. By then, the damage is done.
More sophisticated scammers have developed a playbook specifically for adult subscription services:
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Sign up with stolen cards during peak hours when fraud checks are overwhelmed
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Purchase maximum content allowances within minutes
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Download everything they can before the card is flagged
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Disappear before the chargeback hits
Just ask radio host Ben Fordham about how fraudsters work. He recently shared his “embarrassing” discovery of unauthorized OnlyFans charges on his travel card. When he called his bank in a panic to deny the charges, they weren’t surprised. Turns out, scammers love targeting travel cards precisely because people check them less often.
How AI Fraud Prevention Detects Suspicious Transactions
AI fraud prevention for OnlyFans is a complex topic so we’ll try to be as straightforward as possible. In short, AI fraud detection tools look at more than 100 data points, from device information and location data to spending patterns, and account behavior.
When someone makes a purchase, AI checks these data points against known fraud patterns. If it detects high-risk behavior, it can trigger additional security steps like verification codes or biometric checks.
For your regular subscribers, these security measures run seamlessly in the background. The AI recognizes their normal purchasing habits, devices, and behaviors. But when those scammers we discussed earlier try their usual tactics, the system catches them immediately.
How AI Helps Reduce Chargebacks from Friendly Fraud and Stolen Cards
To fight friendly fraud, you need to answer the following question: How do you prove a customer accessed and used your content? With AI, when someone files a dispute, you’ll have solid evidence: their device information, viewing history, login timestamps, and download records. This documentation dramatically improves your chances of winning chargeback disputes.
For stolen card fraud, AI catches suspicious behavior before the damage happens. The system flags warning signs in real time: sudden high-value purchases, rapid downloads, or unusual login locations. It monitors each account’s normal spending and steps in when something doesn’t match up (like someone trying to download your entire content library in 10 minutes).
Best Practices for OnlyFans: AI Fraud Prevention for OnlyFans
The first line of defense for fighting chargebacks is to document everything about your subscribers’ activity. Save screenshots of conversations, keep records of content delivery, and track when subscribers view or download your content. This evidence is crucial when fighting chargeback disputes.
Next, create a recognizable business name for credit card statements. Many chargebacks happen because subscribers don’t recognize the charge on their statement. Use a consistent merchant name that subscribers will remember but still maintains privacy.
Finally, watch for warning signs of potential fraud:
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New subscribers immediately requesting all your premium content
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Multiple failed payment attempts
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Unusual spending patterns compared to your typical subscribers
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Messages asking to circumvent OnlyFans payment systems
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Suspicious login locations or multiple device changes
AI, Evidence, and Persistence
Fraud isn’t going away in the adult subscription industry, but creators now have powerful tools to fight back.
AI fraud prevention for OnlyFans means knowing the difference between a loyal fan and someone who’s just here to max out a stolen card and ghost you.
For creators, the message is clear: use AI to prevent fraud before you need to explain to your payment processor why half your transactions are being disputed. Document everything, keep your business name professional but recognizable, and stay alert to those warning signs of fraud.
Ready to Give Fraudsters the Silent Treatment?
Let FastoSafe be your defense against chargebacks. Get in touch with us to implement AI fraud prevention for OnlyFans, because the only thing that should be hitting your statements is revenue, not fraud.
