Frequently Asked Questions about Adult Merchant Processing

Oct 23, 2018

Even though it is a very lucrative industry, businesses in the adult sector struggle to find payment processing solutions and business funding. The industry is known for high chargeback and dispute rates, which causes many processors to decline working with the industry to avoid risks. If you’re having trouble finding the payment processing you need, you should consider applying for an adult merchant processing services.

Not sure if this service is right for your business, or how it works? The following are the most frequently asked questions about adult merchant accounts:

How to get an adult merchant account?

The adult sector is considered high risk, which means payment processing is impossible to get from traditional sources. Many of the world’s largest and well-known banks won’t allow processors to underwrite for adult companies. Your best option for securing an adult merchant account will be with a high-risk provider, like EMB offers versatile payment solutions and lower card processing account structures through merchant account services.

Why not use an online payment system (instead of credit cards)?

While it might be tempting to go with an online payment system provider like PayPal, Stripe or Square, it’s simply too risky. At first, they will accept your company when you initially start accepting credit cards. However, they do not accept adult businesses. So, when they get to the underwriting phase six months down the road, you will be notified that they cannot work with you and that your account has been frozen.

What are the application requirements?

With, getting the application process started couldn’t be simpler. The requirements are also incredibly straightforward. While nothing is guaranteed, the process will move along quickly if you have the following items on hand. (If you’re an e-commerce business, keep in mind you will need to have a secure, working website.)

  • A valid, government-issued ID, such as a driver’s license
  • A bank letter or a pre-printed voided check
  • 3 months of the most recent bank statements
  • 3 months of the most recent processing statements, if applicable
  • SSN (Social Security Number) or EIN (Employer Identification Number)
    Chargebacks must be under 2%

How can I get a credit card processing volume increased?

It’s true that adult merchant accounts usually come with a monthly credit card processing volume cap. This is typically because the business is new, so it is limited by a certain determined dollar figure that are accepted via credit cards. This can create a problem for the rapidly growing business that needs a much higher volume ceiling than the typical $100,000 to $200,000 credit card processing caps. If your business has had low chargeback ratios, no unpaid bills and money in the bank, you should be able to successfully request a limit increase.

How do I (can I) fight chargebacks?

A chargeback occurs when a customer disputes a debit or credit card transaction. Unfortunately, this problem is made worse when a merchant fails to dispute the chargeback until it’s too late. In truth, merchants are not being informed of around 58 percent of pending disputes. can help you fight this problem through an industry-leading chargeback protection and prevention program.

Why Merchants Choose EMB

Our team of experts can help you identify the ins and outs of setting up an adult merchant account. We can help you get your adult merchant processing quickly and easily. You can have your account setup in as little as 24 hours. There are no application fees, just competitive rates and a secure payment gateway. No VISA/MasterCard required. The application takes just minutes to complete, and you’ll hear back straight away from our team.

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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