Adult Dating Websites & Apple Pay: A Hook-Up for All

Aug 21, 2015

Adult dating websites are all the rage, both for merchants and consumers. Commercials and internet ads are sending single guys and gals to these sites, looking for the perfect mate. While consumer use is growing, so is the money that these merchants are making. While the money is great, there are issues when it comes to processing these payments.

Most adult dating merchants know that finding an adult dating merchant account is tough. Instead of looking high and low for one, many turn to Apple Pay for their payment acceptance needs. However, problems quickly arise with Apple Pay. One aspect of Apple Pay that seems great is that transactions are not stored. While this may seem great for security reasons, a problem arises if there is a transaction dispute. Apple Pay does not store data, so you cannot dispute a transaction with them, as you could with your card company. On the other hand, your card company will tell you to dispute it with the merchant – and Apple Pay. This can quickly turn ugly, with consumers losing money, as well as the fear of them accusing you – the merchant – of stiffing them of a refund.

Apple Pay may work for small merchants with sporadic business, but not for adult dating websites, who typically have high rates of business. For this, you should take the time to look for an adult dating merchant account. While many are offered, few actually deliver. You need to search for a company that has great processing rates, as well as staff that is experienced in the business. Many times, merchant account processors are not well educated in the areas that they are providing accounts for. Before signing on with a processor, ask questions. This is one of the most important things you will obtain for your business, and you need to make sure that you are making the best choice for you, your business, and your customers. While you can hire and fire staff fairly easily, replacing a merchant account is not so easy, especially for adult dating merchants.

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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 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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