Tumban — Payout Compliance for Creator Platforms

Tumban is a content-aware compliance layer for creator economy platforms. It vets creator profiles before payouts, mapping content and network signals against the specific terms of service of payment processors — preventing enforcement events before they happen.

Platform Capabilities

Content screening

Tumban examines what creators actually sell — listings, descriptions, uploads, and storefronts — against the prohibited business lists of Stripe, PayPal, and card network rules.

Network analysis

Tumban traces where a creator's traffic comes from and where their outbound links point — surfacing risks no content classifier can see.

Policy matching

Findings are mapped against the specific prohibited business lists of each payment processor you use — Stripe, PayPal, Adyen, Braintree, Square — plus Visa VAMP and Mastercard BRAM rules.

Payout decision API

Risk scores flow back into your payout decision loop via API, with a full audit trail. Your T&S and legal teams can defend every decision.

Architecture

Creator inputs

  • Profiles & storefronts

  • Content & listings

  • Inbound & outbound links

Payout decision

  • Risk score

  • Policy mapping

  • Audit log

Tumban sits between creator inputs and your payout flow. It investigates creator profiles, maps findings to your specific payment processor policies, and returns a risk score before money moves. Every decision is logged, auditable, and defensible.

Tumban sits between creator inputs and your payout flow. It investigates creator profiles, maps findings to your specific payment processor policies, and returns a risk score before money moves. Every decision is logged, auditable, and defensible.

Who Tumban is for

Tumban is designed for creator economy platforms where a single non-compliant creator can trigger a six-figure processor penalty, frozen funds, or MATCH listing:

Tumban is designed for creator economy platforms where a single non-compliant creator can trigger a six-figure processor penalty, frozen funds, or MATCH listing:

  • Creator patronage platforms · Merchant-of-record platforms · Marketplaces & live commerce

Scope & Principles

Tumban does not moderate content, verify creator identity, or replace your payment processor. It adds a compliance layer that sits alongside your existing moderation, KYC, and payment stack. Every decision is auditable and defensible — Tumban scores and recommends, you decide.

Tumban does not moderate content, verify creator identity, or replace your payment processor. It adds a compliance layer that sits alongside your existing moderation, KYC, and payment stack. Every decision is auditable and defensible — Tumban scores and recommends, you decide.

Access

Tumban is in selective rollout with creator economy platforms. Book a demo to see how Tumban fits into your specific payout flow and processor mix.

Tumban is in selective rollout with creator economy platforms. Book a demo to see how Tumban fits into your specific payout flow and processor mix.

Book a demo