How to Secure an Adult Phone Merchant Account

Sep 28, 2017

There are so many industries banks simply won’t touch – adult phone services is one of them. The adult sector is actually a very lucrative industry. Even so, traditional processors shy away from the high chargebacks and dispute rates these businesses are known to experience. Without a merchant account, these businesses are unable to process debit and credit card transactions. Obviously, a big problem for any businesses, but especially those that operate online.

For many adult businesses, the best alternative is to secure a solution with a provider like If your adult business is struggling to find a merchant account – or has had their account terminated – consider what an adult merchant account from EMB can do for your business. What makes this option different from the traditional processing solutions out there, you ask?

eMerchantBroker can help your business open an adult phone merchant account that services dating, adult novelties, adult toys and adult content websites. This account is also available for businesses involving adult phone operators. As long as your business has a chargeback rate below 3%, you can secure the credit card processing account you need.

This account offers a variety of secure payment gateways, efficient processing and a speedy application process. The application itself can be completed in a matter of minutes, and your business can gain access to an account in as little as 48 hours. If questions or concerns arise, you also have access to an experienced staff that has years of experience in working with high-risk industries like yours. Entrepreneurs both large or small are building successful businesses using this very platform.

As a full-service provider, the long list of merchant services you have access to are chargeback prevention and protection programs, iCheck and business funding. iCheck is a means of electronic check processing that facilitates faster funding. (Note, it is not ACH.) This service allows you to accept a wider variety of checks, whether the consumer is present or not.

If your business is struggling or you have been unable to get your startup off the ground, consider an adult merchant account. As a high-risk specialist, the high-risk categorization of your industry by traditional processors is not a problem. The services and funding you receive will have your business thriving in no time at all.

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

Get Started

Award winning.

  • 2012
  • 2013
  • 2014
  • 2015
  • 2016

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.