Adult Dating Merchant Account Obstacles Resolved

Nov 24, 2014

If you have a business that is involved in the adult sector then you are a high-risk business; even a dating agency is a high-risk business and would need to apply for an adult dating merchant account to allow your customer’s to pay using their credit and debit cards.

However, it is not just dating websites that are adult sites. There are numerous other types of adult sites all having the same high-risk label attached, purely because the businesses have a high percentage of fraudulent transactions.

The niche for adult sites is growing, especially services that are online. Most transactions on the internet are with ‘card not present’ and this opens up the business as a high risk with the potential of fraud.

Merchant account providers who deal in high risk still require a set percentage of chargebacks; these are when a customer challenges a charge on their account and disputes using the service. The level of chargebacks should not go over 3%, if they are higher than this you might find that the rates charged per transaction might be high.

If you are looking for a business sector that is growing then you will not find an area with so much growth compared to some other sectors, there are many potential opportunities in the adult sector that are seeing growth. The business opportunities vary depending on what you are looking to do, from dating sites, which take a lot of work before you see much return, to online shops that are relatively simple and straightforward allowing you to see a return relatively quickly on your investment.

Therefore, even though the adult business sector is a high-risk area and you will need to consider a high-risk merchant account provider, the opportunities that are available for an individual to make money are there, providing they are able to put in the time and commitment to the business venture.

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Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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