Adult Dating Websites and The Payment Issues They Face

Nov 18, 2015

The majority of online merchants have suffered payment issues at some time during their existence. From EMV card changes to straight-out fraudulent charges, online merchants have a tough time with their payment processors. However, while all online merchants suffer this from time to time, adult dating merchants tend to have a tougher time. While these websites are popular, they have numerous issues that can leave a merchant looking for a new merchant account.

The adult sector is a lucrative avenue for online merchants. While there are all-inclusive site options, niche options are gaining popularity. If you can think of it, there is probably someone who is interested in finding a date or spouse interested in it. From pets to astrological signs, to even blood types, the ideas are endless. Because of this, more merchants are investing in an adult dating website. While these websites will attract users – and money – an issue forms when it comes to processing those payments. Adult dating websites are considered to be “high risk” to the processing industry, and this can halt someone’s process of wanting to become an adult dating merchant.

This should not happen. We live in a world that is prone to cyber issues, including fraudulent charges and chargebacks. Chargebacks are taboo in the processing world, yet they happen far too often to be stigmatized for. Whether you have an existing website or are looking to form an adult dating website, you need to obtain an adult dating merchant account. While it is wise to look for a “high risk” merchant account, not all high risk merchant account providers are familiar with the adult dating website industry. This industry differs from other high risk-labeled industries due to its subscription service aspect and its 100% online formatting. One issue with a faulty card can send you into a spiral that ends with a chargeback fee. Yes, chargebacks happen to adult dating merchants, and they should not be why you are dropped from your merchant account. It happen far too often, and this is why it is important that you look for an adult dating merchant account for your business.

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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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