Credit Card Processing for Your Online Dating Site

Jan 25, 2018

The adult industry is quite lucrative. There is an increased number of merchants interested in an online dating business. Since the industry is considered high risk, it’s critical for merchants to turn to a reputable payment processor to open a reliable and affordable merchant account to start and grow their business.

Online Dating Merchant Account from EMB (EMB) is voted the #1 high risk payment processor in the US, and is focused on providing a comprehensive and affordable online dating merchant account for its clients. EMB boasts an A+ rating with the BBB and an A rating with Card Payment Options. Moreover, EMB is named one of Inc. 500’s Fastest Growing Companies of 2016. knows the challenges associated with high risk businesses best of all, and offers exceptional adult merchant account services for dating, escort, adult novelties, adult toys, adult bookstores, adult ebooks and magazines, strip clubs, membership, and adult content websites.

If you’re an adult business owner trying to open a merchant account, be aware the adult industry’s use of MCC codes is quite varied. It depends on the type of product or service you offer. talks to each business owner so to get to know the ins and outs of his/her business. Then, EMB provides him/her with a merchant account that’s geared to that specific business wants and needs.

How to Get an Adult Merchant Account?

Adult merchants usually find it difficult to get approved for adult payment processing for their adult book store, dating, escort, adult massage, strip club, novelties, toys, adult membership or pornography content website. The high risk nature of this type of businesses makes traditional banks and processors shy away from them. However, this doesn’t refer to payment processors like EMB.

To get approved for adult credit card processing, the processor’s sponsor bank must allow adult businesses in their underwriting guidelines. Processors like EMB will require you to just fill out a simple online form. Then, you’ll have to provide the following:

  • A valid ID, e.g. driver’s license
  • Voided businesses check or bank letter
  • Recent bank statements (at least 3 months)
  • Chargebacks under 2%
  • A secure, functioning website
  • EIN (Employer Identification Number) or SSN (Social Security Number)

Once your company is confirmed to be legitimate, the underwriter will assess the risks associated with your adult business by looking at your bank statements, payment processing history, credit score, and your official website. With EMB, the application process if simple and hassle free.

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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