What Adult Sites Show on Bank Statements: Complete 2026 Guide

If you have ever looked at a bank statement and seen a charge you didn't recognize, you are not alone. Millions of women discover unfamiliar transactions every month that turn out to be payments to adult entertainment platforms. The problem is that these sites deliberately use vague billing names to help users stay discreet. This guide breaks down exactly what every major adult platform looks like on a bank or credit card statement in 2026, so you know precisely what to look for.

Whether you are checking a joint account, reviewing a shared credit card, or trying to understand charges on a statement you found, this page covers OnlyFans, Chaturbate, Fansly, StripChat, Pornhub Premium, Ashley Madison, and Seeking Arrangement. We will decode the billing entity names, typical charge amounts, payment method differences, and exactly how to identify hidden spending on adult content.

OnlyFans: Fenix International Limited

OnlyFans charges appear as "Fenix International Limited" or "OnlyFans" on bank statements, with subscription amounts typically ranging from $4.99 to $49.99 per creator per month.

OnlyFans is the most recognized paid adult platform with over 305 million registered users. The site is owned and operated by Fenix International Limited, a UK-based company. When a credit or debit card is charged, the statement will show one of these billing descriptors:

• Fenix International Limited - the most common descriptor on Visa and Mastercard statements
• OnlyFans.com - appears on some bank statements depending on the card processor
• OF *Fenix International - a newer shortened format some banks display

The statement will never show the specific creator's name. You will only see the total dollar amount for each transaction. A pattern of recurring $4.99 or $9.99 charges usually indicates monthly subscriptions to individual creators. Larger one-time charges of $20, $50, or $100+ typically mean he is tipping creators, paying for pay-per-view messages, or purchasing custom content. For a complete breakdown of OnlyFans billing, see our detailed guide on what OnlyFans charges look like on a bank statement.

One important detail: OnlyFans does not accept Apple Pay, Google Pay, or PayPal. Every payment requires manually entering a credit or debit card number. This means he cannot hide the purchase behind a digital wallet. If you are wondering whether OnlyFans shows up on Apple Pay, the answer is that it simply cannot be used there at all. You can also learn how to find someone's OnlyFans subscription history for deeper investigation methods.

Chaturbate: MULTICREDIT SP ZOO

Chaturbate charges show as "MULTICREDIT SP ZOO" or "Chaturbate.com" on bank statements, with token packages ranging from $10.99 to $159.99 per purchase.

Chaturbate is one of the largest live cam platforms in the world, and its billing is handled through a Polish payment processor. Here is what the charges look like:

• MULTICREDIT SP ZOO - the primary billing name on most statements (SP ZOO is the Polish equivalent of "LLC")
• Chaturbate.com - sometimes appears on certain credit card processors
• EPOCH.COM *CHATURBATE - if the payment is routed through the Epoch payment processor

Chaturbate uses a token system rather than direct subscriptions. Users buy tokens in bulk packages: 100 tokens for $10.99, 200 for $20.99, 500 for $44.99, or 1,000 for $79.99. Premium packages go up to $159.99. If you see multiple charges from MULTICREDIT SP ZOO in a short timeframe, it usually means he is buying tokens repeatedly during live cam sessions. This kind of spending can escalate quickly. Our full guide explains what Chaturbate looks like on a bank statement in more detail.

If you suspect ongoing use, you may also want to read our guide on how to check if your husband uses Chaturbate, which covers browser history traces, screen time patterns, and other digital evidence beyond just bank statements.

Fansly: Select Media LLC

Fansly charges appear as "Select Media LLC" or "Fansly.com" on statements, with creator subscriptions typically costing between $4.99 and $24.99 per month.

Fansly emerged as a direct competitor to OnlyFans and has grown rapidly since 2021. It is operated by Select Media LLC, and this is the name that typically appears on bank and credit card statements. The billing descriptors include:

• Select Media LLC - the standard billing entity name
• Fansly.com - appears on some processors
• SELECTMEDIA*Fansly - a combined format used by certain banks

Like OnlyFans, Fansly charges per creator subscription, and the statement will not reveal which creator the money went to. Fansly also allows tipping, pay-per-view content, and premium messages. If you see "Select Media LLC" on a statement and don't know what it is, our detailed guide on what Fansly shows up as on a bank statement covers every variation and what the charge amounts typically mean.

StripChat: TECNOLOSYS SP ZOO

StripChat charges appear as "TECNOLOSYS SP ZOO" or "Technius Inc" on statements, with token packages similar to Chaturbate ranging from $9.99 to $199.99.

StripChat is another major live cam site that competes directly with Chaturbate. Its billing is also processed through Eastern European entities, making the statement descriptors particularly confusing if you don't know what to look for:

• TECNOLOSYS SP ZOO - the most common billing descriptor
• Technius Inc - an alternative billing entity used for some transactions
• EPOCH.COM *STRIPCHAT - if processed through the Epoch payment gateway

StripChat also operates on a token-based system. Users purchase tokens to tip performers during live streams, request private shows, or unlock premium content. Token packages range from 90 tokens for $9.99 up to 1,080 tokens for $99.99, with VIP bundles reaching $199.99. Multiple charges in a single evening are a red flag for active cam session spending. Read our complete guide on what StripChat looks like on a bank statement for all descriptor variations and spending patterns.

Pornhub Premium: MG BILLING LTD

Pornhub Premium charges appear as "MG BILLING LTD" or "MG BILLING CY" on statements, with the standard monthly subscription costing $9.99 per month or $79.99 per year.

While basic Pornhub is free, Pornhub Premium is a paid subscription service that removes ads, provides HD content, and unlocks exclusive videos. The billing is handled through MindGeek's payment processor (now called Aylo). Statement descriptors include:

• MG BILLING LTD - the primary billing name (MG stands for MindGeek, the former parent company)
• MG BILLING CY - the Cyprus-registered billing variant
• AYLO BILLING - newer descriptor reflecting the company rebrand
• PORNHUB.COM - occasionally appears directly on some processors

Pornhub Premium is a flat monthly fee, so you will typically see a single recurring charge of $9.99 each month. An annual subscription of $79.99 would appear as one larger charge once per year. If you want to know more about all the ways Pornhub usage can be detected, check our guide on whether Pornhub shows up on a bank statement.

Ashley Madison: AMDA LTD or INTERNET SERVICES

Ashley Madison charges appear as "AMDA LTD", "AM INTL", or generic descriptors like "INTERNET SERVICES" on statements, with credit packages ranging from $59 to $289.

Ashley Madison is different from the other platforms on this list because it is specifically an extramarital dating site. Its billing is deliberately designed to be as vague as possible. After the massive 2015 data breach that exposed millions of users, the company invested heavily in discreet billing practices. Common statement descriptors include:

• AMDA LTD - the most frequently reported billing name
• AM INTL - a shortened variant
• INTERNET SERVICES - a deliberately generic descriptor used in some regions
• ASHLEYMADISON.COM - rarely appears but has been reported on certain processors

Ashley Madison uses a credit-based system rather than monthly subscriptions. Users purchase credits in packages: 100 credits for $59, 500 credits for $169, or 1,000 credits for $289. These credits are used to send messages, view profiles, and access premium features. A single large charge from AMDA LTD is a significant red flag. For the complete breakdown, see our guide on what Ashley Madison charges look like on a statement.

Seeking Arrangement: W8TECH LTD

Seeking Arrangement (now called Seeking) charges appear as "W8TECH LTD" or "W8 TECH" on statements, with premium memberships costing $109.99 per month or $249.99 for three months.

Seeking Arrangement, rebranded simply as "Seeking" in recent years, is a sugar dating platform where older, typically wealthier individuals connect with younger partners. The site processes payments through W8Tech Limited. Billing descriptors include:

• W8TECH LTD - the standard billing entity
• W8 TECH - a shortened variant
• REFLEX FINANCE - an alternative billing name used in some regions

Seeking is one of the most expensive platforms on this list. A Premium membership costs $109.99 per month, while the Diamond tier runs $274.99 per month. These are large charges that stand out on a statement. If you suspect your partner is using this platform, our guide on how to check if he uses Seeking Arrangement explains how to investigate beyond just bank statements.

Apple Pay, Google Pay, and Digital Wallet Differences

Most adult platforms do not accept Apple Pay or Google Pay because tech companies prohibit adult merchants from using their payment networks, forcing users to enter card details directly.

One of the most common questions we receive is whether adult site charges can be hidden inside Apple Pay or Google Pay. The short answer is no. Apple and Google both enforce strict content policies that prevent adult entertainment merchants from using their payment systems. This means:

• OnlyFans - does not accept Apple Pay or Google Pay
• Chaturbate - does not accept Apple Pay or Google Pay
• Fansly - does not accept Apple Pay or Google Pay
• StripChat - does not accept Apple Pay or Google Pay
• Pornhub Premium - does not accept Apple Pay or Google Pay
• Ashley Madison - does not accept Apple Pay or Google Pay
• Seeking - does not accept Apple Pay or Google Pay

Every single one of these platforms requires a user to manually enter a credit card number, expiration date, and CVV. There is no way to use a contactless tap-to-pay method. This is actually helpful for detection purposes because it means the charge must appear on an actual bank or credit card statement somewhere. Learn more in our guide on whether OnlyFans shows up on Apple Pay.

How People Try to Hide Adult Site Charges

Common hiding methods include prepaid gift cards purchased with cash, virtual card numbers from Privacy.com, secondary bank accounts, and cryptocurrency payments where accepted.

Even though adult sites require a card, there are several methods people use to prevent charges from appearing on a shared statement:

• Prepaid Visa or Mastercard gift cards - bought with cash at convenience stores, these cards have no link to a personal bank account. However, buying the gift card itself can show up as a charge at the retail store.
• Virtual card services like Privacy.com - these services generate disposable card numbers that pull from a linked bank account but show up under a generic merchant name.
• Secondary bank accounts or credit cards - opening a separate account specifically for adult content purchases keeps charges off the shared statement entirely.
• Cryptocurrency - some platforms accept crypto payments. Chaturbate accepts Bitcoin, and some smaller platforms accept various cryptocurrencies. These transactions never appear on a bank statement.
• Cash App or Venmo cards - some people load a Cash App card and use that instead of their primary bank card.

Even with these methods, there are usually traces. Unexplained cash withdrawals, a new bank app on his phone, or Privacy.com showing up on a statement are all secondary indicators. If you are concerned about how to find out if your boyfriend has OnlyFans, bank statements are just one piece of the puzzle. Browser history, screen time data, and app usage patterns often tell the full story.

How to Spot Hidden Charges: A Step-by-Step Approach

Search your statements for the specific billing entity names listed above, look for recurring small charges on the same date each month, and watch for unusual late-night transaction timestamps.

If you have access to a shared bank account or credit card statement, here is a systematic approach to checking for adult site charges:

1. Search for known billing names. Use your bank's search function to look for: Fenix International, MULTICREDIT, Select Media, TECNOLOSYS, MG BILLING, AMDA, and W8TECH. If any of these appear, you have a direct match.
2. Look for recurring small charges. Subscription-based platforms like OnlyFans and Fansly charge monthly. A $4.99 or $9.99 charge that repeats on the same day each month is a subscription.
3. Check for unusual charge patterns. Token-based platforms like Chaturbate and StripChat often show multiple charges in a single sitting. Three charges to MULTICREDIT SP ZOO within two hours on a Friday night is a clear pattern.
4. Note the timestamps. Many banks show the time a charge was processed. Late-night charges between 10 PM and 3 AM are worth investigating.
5. Watch for round-number charges. Adult site token packages are usually priced at $10.99, $20.99, $44.99, $79.99, and $159.99. These specific amounts are telltale signs.
6. Check for generic descriptors. If you see vague entries like "INTERNET SERVICES", "DIGITAL CONTENT", or "ONLINE ENTERTAINMENT", these could be adult site charges with deliberately obscured billing names.

What to Do When You Find Adult Site Charges

Screenshot everything immediately, note the dates and amounts, cross-reference with his phone usage patterns, and decide whether to confront or gather more evidence first.

Finding charges from an adult platform on a shared statement is a jarring experience. Before you do anything else, take screenshots or photographs of every suspicious transaction. Bank statements can be modified or deleted from online portals, and you want a permanent record.

Next, look at the bigger picture. A single $9.99 charge to Pornhub Premium is very different from hundreds of dollars flowing to Chaturbate tokens every month. The scale of spending tells you a lot about the level of engagement. Cross-reference the charge dates with any changes in his behavior - was he distant that week? Was he staying up later than usual? Were there other signs he was watching porn that you may have dismissed at the time?

Some women choose to gather more evidence before having a conversation. Checking his incognito browsing history on iPhone can reveal additional activity. Others decide they have enough information and confront the situation directly. There is no single right approach - it depends on your relationship, your boundaries, and what you need to feel secure.

If the charges are to a dating or hookup platform like Ashley Madison or Seeking, the situation is fundamentally different from a Pornhub subscription. These platforms facilitate real-world meetings. That distinction matters when you are deciding how to respond and what it means for your relationship. The question of whether paying for OnlyFans counts as cheating is one every couple needs to answer for themselves, but financial deception adds a layer that goes beyond the content itself.

Quick Reference: Every Billing Name at a Glance

Use this quick reference table to instantly identify any adult platform charge on a bank or credit card statement by matching the billing descriptor to the platform.

Here is a summary of every billing descriptor covered in this guide:

• Fenix International Limited / OnlyFans.com → OnlyFans
• MULTICREDIT SP ZOO / EPOCH.COM *CHATURBATE → Chaturbate
• Select Media LLC / SELECTMEDIA*Fansly → Fansly
• TECNOLOSYS SP ZOO / Technius Inc → StripChat
• MG BILLING LTD / AYLO BILLING → Pornhub Premium
• AMDA LTD / AM INTL / INTERNET SERVICES → Ashley Madison
• W8TECH LTD / REFLEX FINANCE → Seeking Arrangement

Bookmark this page for reference. If you see any of these names on a statement and need more details, click through to the individual platform guides linked throughout this article. Knowledge is power, and understanding exactly what these charges mean puts you in control of the conversation.