Adult Payment Processors Are Necessary For The Adult Industry

Jan 11, 2022

According to IBIS World, the market size for Adult and Pornographic websites in the US is expected to hit $856.2 million in 2022. The expected growth rate for these websites are predicted to increase by 6.5% in 2022. The market size has grown by 10.5% every year between 2017 and 2022. 

Clearly, the adult industry continues to make great strides, especially now, with easier access via the Internet. The digitalization of these services has only caused the industry to grow exponentially, not only in sales volume but in the number of customers making these purchases.

In order for a business to take advantage of this lucrative industry, they would need to have the capacity for accepting credit and debit card payments. For this, you would need to get a merchant account. 

Adult Merchant Accounts

Unfortunately, applying for a traditional or standard merchant account will not be possible as an adult merchant. That is because payment processing for the adult entertainment industry is plagued by numerous and unique challenges. 

What makes things more complicated is the number of sectors within the adult entertainment industry. Some are considered riskier than others when it comes to getting approved for a merchant account. 

It is important to check with your selected merchant account provider to see if they accept your particular business type. Some business types can include: adult-themed video games, adult videos and photography, escort services, and online dating websites, just to name a few. 

Adult entertainment businesses are less likely to be approved for a standard merchant account due to reputational risk, higher chargeback rates, higher risk for fraud, and regulatory compliance requirements. 

For all these aforementioned reasons, adult businesses tend to be categorized as high-risk businesses. This means that they would need to acquire a high-risk merchant account. 

How To Apply For An Adult Merchant Account

Since merchants within the adult industry cannot apply for a traditional or standard merchant account, they will need to seek the services of a high-risk merchant account provider. 

EMB or has been a key player in the high-risk industry long enough to know the payment needs of its merchants in all types of verticals. 

To get started on the application process, you simply need to fill out EMB’s easy online application. Although nothing is guaranteed, it is a straightforward process. You will need the following documentation:

  • Valid, government-issued ID (a driver’s license)
  • Bank letter or a pre-printed voided check
  • 3 months of the most recent bank statements
  • 3 months of the most recent processing statements ( if applicable)
  • SSN (Social Security Number) or EIN (Employer Identification Number)
    Chargebacks must fall under 2%

Additional requirements are that the merchant must have a legal business, must not have a negative balance on their bank account, have a good credit score, and a functioning website. 

The requirements for their website are that it must have a secure SSL and it must clearly state its refund and privacy policies in a prominent place on the website.

A Complete Solution

The adult industry has many challenges that adult merchants must contend with: like fraud, higher incidences of chargebacks, and regulations. Therefore, adult merchants must be armed with the best payment solution to face these obstacles successfully.

EMB is the payment industry standard within the high-risk industry. As a specialist in high-risk merchant accounts, it offers tailored-made payment processing solutions to meet every business’ need. Get in contact today.

Let us help you get a high risk merchant account today!

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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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