How do I get an Adult Merchant Account?

Oct 30, 2017

Your dream of running an adult toy shop, book store, escort company, porn website or strip club is still far from reality if you haven’t figured out how to get an adult merchant account. The obvious reason being; most top banks won’t allow your credit card processors write adult related businesses. So if you want to begin accepting credit cards for whatever adult company, the best option you have is to visit a high risk payment processor sponsored by a bank that’s comfortable working with adult businesses

Fortunately, the process becomes rather simple after you’ve come to agreement with an adult merchant service provider like EMB. All you have to do is fill up an online application form, present a couple of documents (maybe a business check (voided) and a driver’s license). After that, the card processor’s underwriting staff will go through your application, and typically approve you in only a few days.

On top of that, you credit card processor should ship to you all the equipment you need. And for those planning to receive mobile or online payments, they’ll prepare you a payment gateway. Then you can start as taking payments soon as possible.


What do I need to apply for an adult merchant account?

The process of applying for such accounts begins with filling out a simple online form. And while nothing is a sure bet, the process is easier if your business is ready with the items below:

  • 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)

The bottom line…

You will need to prove that you’re operating a legit business by presenting legal disclosures as listed by your card processor to be.

As soon as they’ve confirmed your company is legitimate, an underwriter will examine how risky your business is by looking at its bank statements, payment processing history, credit score, and your official website.

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 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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