How to Obtain an Adult Dating Merchant Account

Jul 11, 2014
Laughing CoupleThe “high risk” label can give a company a black flag when it comes to finding a merchant account. While high risk companies do tend to have a higher fraudulent charge percentage as compared to other companies, they should still be able to obtain a merchant account. This issue is becoming mainstream, as the newest business trend, adult dating websites, are falling victim to this label. High risk label aside, it is possible to obtain an adult dating merchant account. You just have to know where to look.

High risk merchants need a merchant account provider that specializes in high risk accounts. They need a provider that knows the difficulties the can come with a chargeback claim, as well as the high influx of transactions that these businesses bring. High risk merchants need With (EMB), your business will never be turned down due to the “high risk” label. In fact, we specialize in high risk accounts, including those belonging to adult dating websites. While others will turn these accounts away, we at EMB embrace them. Our team is skilled in the ins and outs of high risk businesses, such as high payment influxes and chargebacks. As long as your chargeback rate is below 3%, we can help you get your business the proper adult dating merchant account. Chargebacks occur when a fraudulent charge is detected by a customer, and our chargeback insurance can help you determine which charges are actually fraudulent, as well as helping you save on the sky-high chargeback fees merchants are charged.

While the majority of banks turn down adult dating merchant accounts, EMB does not. We are experienced in dealing with adult dating accounts, and are here to help you if any issues arise. High risk companies need an account processor that knows the business they are in, and rest assured that our team will help you in your new business adventure. Adult dating websites are lucrative, and we hope to aid you in your investment.

Contact us today to set up your Adult Dating Merchant Account 


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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.