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Frequently Asked Questions about Adult Merchant Processing

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.