Adult Merchant Processing For Adult Businesses

Sep 18, 2014

In the business world adult businesses which cater for the growing needs of the modern person has exploded. There are different business opportunities available, with the right planning and implementation it could prove to be a lucrative business opportunity.

Some business ideas are:

  • Adult dating sites
  • Selling adult novelties
  • Selling adult toys
  • Providing an adult only content website

Whilst these business opportunities have the potential to make money, they also come with a high-risk tag. These businesses have a higher risk of disputes with payment options, having a higher than average chargeback rates and other disputes which banks tend to avoid, rather than offering these businesses merchant accounts.

However, it is possible to secure an adult merchant processing account; you just need to find the right provider for your business type. You have to accept that you will be in a high-risk area and you need a provider that specialises in this field.

Finding and applying for a high-risk merchant account isn’t as difficult as you might imagine. There are companies that will willingly take on the higher risk businesses to enable them to create a better business with great options for the customers to pay for the services you provide.

It is still important that you are looking for the right provider who offers:

  • Competitive fees
  • Competitive rates
  • Secure payment gateways

It is important in any business model you are looking to ensure that your customers’ needs are met, for this to work they need to trust the payment system available; it must be secure. To use a credit or debit card for payment gives a customer more control in their preferred method of payment.

Therefore, if you are considering opening a high-risk business, it is possible to secure the right merchant account to meet your current business needs.

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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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