Credit Card Processing for the Adult Website | Adult Merchant Account

Jan 26, 2016

I can’t find anyone willing to offer me a merchant account and process credit cards for my adult website! Are you struggling to find a provider willing to work with you and provide the services your business needs to accept debit and credit cards? The problem for businesses in the adult industry is the categorization of being “high risk”. In reality, the adult sector is actually a very lucrative industry for online merchants.

Without merchant account services, a business will be unable to accept credit and debit card payments from their customers. A merchant account will allow your business to transfer funds from card issuing banks to your business bank account. Merchant account services include payment processing for different kinds of businesses: retail, MOTO (mail order/telephone order), Internet and high risk businesses.

A business is considered to be high risk based on two conditions: it operates within a high-risk industry, and/or there is a risk of financial failure. If either of both of these conditions apply to your situation, it will affect your ability to acquire financing, insurance and merchant accounts. According to, if your business experiences a high level of chargebacks and dispute rates, this could be part of the reason why banks and merchant account providers have categorized your business as high risk.

Whether your business is involved in online dating, adult novelties or adult toys, there are still options available to you. High risk providers, like, specialize in offering services to businesses categorized as being “high risk”. High risk processors understand the environment of chargebacks and disputes that surround the adult sector, and they are willing to take you on anyway.

“At we can help you open an adult merchant account for your dating, adult novelties, adult toys, and adult content website. As long as your chargeback rate is below 3% we can help you get your business the proper credit card processing account.”

An adult merchant account allows you to worry less about chargebacks and focus more on running your business. The straightforward 3% chargeback policy with EMB keeps things simple for you. In addition, the application process is fast and hassle-free. Your application will help you secure the high risk solutions you need from an award winning provider.

If securing a merchant account has been a problem for you, consider what an adult merchant account from EMB can do for you and your business.

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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