How to Get High Risk Merchant Services for Your Adult Website

Sep 25, 2020

The adult entertainment industry is a multi-billion dollar industry, in the U.S. alone. But it does face its own unique set of challenges that can make it complicated to operate smoothly, despite consistently strong demand. For example, consider payment processing. Today, one of the most important elements of the customer experience is the payment process; it needs to be as easy and convenient as possible. For the adult merchant, this seemingly simple task can be incredibly complicated.

Securing Adult Credit Card Processing

The adult entertainment industry is considered to be high risk, which makes it difficult to secure credit card processing services. Banks simply want nothing to do with the risk involved. But why are these merchants dropped into this category?

Adult service providers are labeled high risk because they often provide subscription-based services, process large volume of transactions, have little to no credit card processing history (especially startups) and experience strict regulations and legal restrictions. Banks also shy away from businesses that handle controversial content (reputational risk).

In some cases, if your business is fortunate enough to secure services from these establishments, they might later catch wind of the services or goods being sold and shut down your merchant account. Your revenue halts immediately. Of course, this instantly injures your reputation and can result in chargebacks – every merchant’s worst nightmare.

Partnering with a High Risk Specialist is the Answer

In order to successfully accept and smoothly process transactions, you will need to look for a high risk merchant account. A high risk specialist will have years of experience in providing services to merchants considered “risky” and have solutions tailored to meet your specific needs. They will also be well-versed in the challenges your industry faces.

As an adult merchant, research and find a high risk provider that offers an adult merchant account and industry-leading fraud prevention and protection – like EMerchantBroker. Our team of experts are equipped to handle the extra risks that your industry poses, and can offer the tools you need to be successful.

Adult Merchant Account Application Requirements

Another huge advantage of working with a high risk specialist is the speed and simplicity of the application process. Filling out an online application takes just minutes, and you can have an account setup in as little as 24 hours. The application requirements are also incredibly straightforward and hassle-free:

  • 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%

In addition, your business also secures a chargeback prevention system that really works. EMB has partnered with Verifi and its new Cardholder Dispute Resolution Network (CDRN) and Ethoca’s alert system to create an elite alert and prevention system. You achieve the greatest rate of chargeback resolutions, with direct input in the process.

EMB is the nation’s #1 high risk credit card processing company, boasting an A+ rating with the BBB. We’ve worked with thousands of companies and have experienced all the obstacles associated with operating high-risk businesses. With a 95% approval rating, your adult business can quickly secure a unique credit card processing platform and offer your customers the convenient options they expect today.

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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