How To Apply For An Adult Subscription Merchant Account

Mar 23, 2022

With the adult industry moving operations to the online space, merchant accounts are an essential component to generating revenue. However, adult merchants are categorized as high-risk by traditional institutions due to the higher incidents of chargebacks and fraud. 

As high-risk merchants, they are not able to secure a standard or traditional merchant account as these institutions do not want to shoulder this risk or taint their reputation. Yet, adult merchants still need a way to process their credit card transactions, that’s where a high-risk merchant account comes in. 

High-Risk Merchant Accounts For Adult Industry

As the number of high-risk merchants increases in every vertical, so have the number of high-risk merchant account providers. Many of these providers are well-versed in many high-risk industries and are more than willing to partner with high-risk merchants for their payment processing needs.

Some of these providers have even joined forces with offshore banks and can even offer offshore merchant accounts. Adult merchants should anticipate paying higher than average processing fees and one-time setup fees due to the nature of their business. 

How To Apply For An Adult Subscription Merchant Account

If you want to partner up with a high-risk merchant account provider that specializes in the adult industry, then look no further than EMB. EMB ( is the leader in providing tailor-made payment solutions for adult entertainment businesses. 

Applying for an account couldn’t be easier or more straightforward. All you would need to do is go to the EMB website and fill out an online application, which only takes a few minutes. Although not a guarantee, a merchant account can be approved in as little as 24 hours. 

But before you begin filling out the online application, it would greatly benefit your chances if you provide the following documentation before the application is submitted:

  • Valid, government-issued ID (i.e, a driver’s license)
  • Bank letter or a pre-printed voided check
  • Three months of the most recent bank statements
  • Three months of the most recent processing statements (if applicable)
  • SSN (Social Security Number) or EIN (Employer Identification Number)
    Chargebacks must be kept under 2%

Another requirement that underwriters will be looking out for is how your website is operating, whether you clearly state your privacy statement as well as your refund policy, and finally whether your website is (SSL) secure. 

Merchants should also demonstrate that they have sufficient funds in their bank account, have no unpaid debts, and the individual applying for the merchant account has an exemplary credit history. 

All of these requirements will undoubtedly demonstrate to the underwriters that the merchant is operating a business that is legal, responsible, and reputable. 

After approval, a merchant can begin accepting credit cards immediately. EMB can certainly assist merchants in setting up a chargeback management software if necessary. It will simply be integrated into the payment gateway to enable chargeback alerts. 

EMB Can Help You Get An Adult Merchant Account

EMB offers high-risk merchants that work in the adult entertainment industry a wealth of resources and payment solutions to get your online business up and running quickly. By offering payment gateways, fast and efficient processing, and an account application process that is quick and painless, you simply can’t go wrong in choosing EMB as your payment services provider. 

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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