How do you get an adult dating merchant account set up with low fees

Sep 24, 2013

You’ve decided to set up an adult dating site and you need a way to get your credit and debit cards processed. Your next step will be to find the best merchant account servicer you can find. You will be sifting through thousands of places and you must know, that the industry you have chosen to go into, is lucrative, but also in the high-risk pool for merchant accounts. So, be prepared for a lot of questions and a lot of paperwork to prove that you are in business and that you are really you.

Adult dating merchant account

Your goal is to find a merchant account that will service your cards without running you out of business. Since you are in the high-risk end of the servicing industry, you will have fees that other accounts don’t have. Do not fret; they are not discriminating against you. You are not alone with those fees, even the theater pays those. High risk only means that you may have a large number of chargebacks from your customers. Meaning, those that want their money back.


Take the time to do some comparison shopping. Most sites will have fees, and your job now is to find the one with the most reasonable ones, and if they have hidden fees. Always look for the fine print.

Signing up

The easy part will be filling out the paperwork and sending it back to them. Most do it electronically and can have an answer within forty-eight hours. They work with banks that are not necessarily on-shore and in the United States, making their rules a bit more flexible than others. Do your research and make sure that you feel comfortable about where your money is going and how soon you will have access to it.

Hold back

As a new business, they may have a holdback amount on your charges. This will go on for the first three to six months because you are a high-risk account and you are new to the industry. Keep in mind, that you will get all your money back. If you are consistent with the way you run your business and your chargebacks are low to none, your holdback may be delivered to you earlier than in the contract. But, don’t expect it any earlier than three months.


Remember that you are in business, and it’s not against the rules to work out deals with your merchant account servicer. It behooves you to get the best deal you can that works for your account. With an adult dating merchant account, you sit in the high-risk pool and you have a lot of unknowns for the future. Ask questions, be inquisitive and work hard to uphold your good reputation. That will get you where you want to be in the business world. BE consistent and firm on your business plan and you will rise above the bottom and continue with a great income.


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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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