Applying For An Escort Merchant Account

Nov 10, 2017

The fact is; you won’t get an account for your escort business with your local bank or pretty much any low risk merchant service provider. Luckily, applying for an escort merchant account with a high risk merchant service provider who accepts adult businesses is rather easy.

First, confirm with the salesperson if their company accepts adult businesses, particularly those offering escort services. Once you’re sure the high risk merchant account provider is comfortable working with adult companies, you can begin applying.

Start by filling an online application form (only lasts 5 minutes), after which, you should receive a copy of all the working terms and pricing for your electronic signature. Also note that you may be requested to present a few supporting documents. They include;

  • 3 months of the latest business bank statements where applicable
  • A valid ID, e.g. driver’s license
  • Voided businesses check or bank letter
  • Chargebacks under 2%
  • A secure, operational website
  • SSN (Social Security Number) or EIN (Employer Identification Number)

On approval, you can start accepting credit cards. Your account issuer should ship out all the necessary processing material, help you set up a chargeback management software and e-commerce fraud filter (for online payments).

What underwriters look for in your application?

Generally, an underwriter will be looking for two primary factors; authenticity/legality of your company and a stable business. On legality, it goes without mentioning that high risk credit card processors do not support illegal businesses and therefore will want to ascertain that you are running a legitimate business

Next, when underwriters analyze any business, they seek to determine if the risks involved outweighs the rewards the credit card processor is anticipating. Therefore, this means they’ll check; your credit score to confirm if you sort all bills on time, 3 months of the latest business bank statements to check if you have an overdraft and your past processing history.


The application process for any adult merchant account is normally very simple. It only becomes a problem if you have a bad processing history, a poor FICO score or run an illegitimate business.

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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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