Apparently, the Feds are not Fans of Adult Merchants | Account Processing

Feb 24, 2016

The Feds have seized the profitable porn and review website “The Review Board”. While the adult workers and their reviewers are livid, the Feds claim that this site was promoting prostitution. While the site and its adult workers deny this, the Feds ultimately have the say as to who and what can hot a website. While the Feds are an issue for all adult merchants, there are bigger issues that can derail a company – even if they operate within the boundaries of the law.

One of the issues that can cause a problem is payment processing. While some adult workers prefer “cash only” transactions, the reality is that online transactions are plastic card-based. While many companies can accept plastic card payments without issue, adult merchants need a specialized adult merchant account to do so. Even then, some merchant account processors charge higher processing fees and have the companies on a tight leash. One too many chargebacks can cost these companies their merchant account, which leaves them without the ability to accept payments. All adult merchants need the best merchant account they can find, because lacking the ability to safely process payments can leave your company without its customers.

One of the great things about “The Review Board” was the review aspect to it. Like Yelp for those wanting to share their experiences with their, well, experiences, these reviews helped many adult business operators gain business. This is a great tool to implement if you have an online site for your business, and it allows for a more personalized experience. The Moonlite Bunny Ranch in Nevada has a similar board, and their customers relish the ability to give reviews and ask questions.

There is a fine line between what is perceived as human trafficking and an adult operating their own business. The Feds, along with the public, confuse these boundaries at times, which can lead to issues. Merchant account processors also confuse these boundaries, and it is up to responsible adult merchants to educate them and enforce the idea that these merchants are just that: 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 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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