How to get your Adult Content Merchant Account Approved

May 09, 2014

Sex sells. It sells even better online where shopping can be done discreetly at home by your customer base. Whether you’re into adult content, adult toys, or adult dating sites the adult industry thrives online. The market is lucrative to a business with a great niche and business plan. Yet, securing an adult merchant account can be tricky.

Adult Content is High Risk

The adult industry is tagged as high risk for multiple reasons. The first, and most obvious, is that banks aren’t in a hurry to be associated with the adult industry. But there are other reasons. An adult content merchant account is at risk of an unusually high chargeback rate. Customers may attempt to cancel credit card transactions to conceal their internet activities. Also, a misunderstanding of how a given website operates with regard to credit card transactions can lead to customers creating chargebacks. Finally, the rate that adult content websites get shut down, for various reasons, exceeds the rate of other industries. Lending to its labeling as high risk.

Find a Services Provider

The first way to ensure that you are approved for an adult content merchant account is to find a reliable, trusted merchant services provider. There are lots of service providers out there, but some of them will use every trick in the book to take advantage of your business. eMerchantBroker is one of the most trusted in the industry and has received an A rating by the Better Business Bureau and is rated as the top credit processor by

Gather Any History

When you apply for your adult content merchant account it’s important to have any financial records and credit processing history available. These documents will increase your odds of being approved as they represent not only a history of a successful business but a level of organization and commitment. These basic documents are necessary, if available, to ensure your adult merchant account is approved.

Highlight the Good

This may seem obvious, but it’s important. Highlight the strengths of your business. Organization, financial history, credit rating, or anything that will help your odds of being approved. Then include these strengths in a genuine, persuasive cover letter. A lot of online merchant services providers won’t necessarily ask for a cover letter. Yet, it’s an indicator of professionalism and at worst won’t hurt your chances of being approved. It can do a lot of good for little risk.

Check out eMerchantBroker’s adult content merchant account services page. With no application fees, competitive rates, and a secure payment gateway they will be a highly attractive option for your adult merchant account. Let the experienced team at eMerchantBroker find you the best adult content merchant account. A flat 3% rate on chargebacks and no Visa or MasterCard requirements make them one of the easiest and most secure options for adult content businesses.


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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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