How to Secure a Merchant Account for Your Escort Business

Sep 24, 2020

Adult-related businesses have long been marginalized when it comes to a merchant account and payment solutions.

Many banks don’t want to process payments for escort services. Yet an escort service needs a secure merchant account to begin processing online payments.

This type of business is categorized as a high risk for many reasons, and most financial institutions would rather stay away from an escort service.

Why Banks Will Turn Down Your Escort Business  

Below are some reasons why banks consider escort services high-risk.

  1. Escort services have a tainted reputation

The escort business is often considered immoral by many individuals. The morality aspect causes many financial institutions and payment service providers to turn down escort services.

  1. Escort services are often associated with high chargeback rates.

Chargebacks are common in escort businesses. When a customer is not satisfied with an escort service, they may file a chargeback request.

Many financial institutions associate high-risk businesses with high chargeback rates.

However, modern high-risk payment service providers understand these risks and have what it takes to help merchants mitigate chargebacks.

  1. Unscrupulous practices

Some companies offer prostitution services under the pretext of escort services.

Such unscrupulous practices are illegal in various countries, and many PSPs like to go the extra mile to ensure they are working with a genuine escort service.

What You Need to Set up an Escort Merchant Account

Before opening an escort merchant account, you need to prepare the following documents:

  • Quarterly or semi-annual data on processing payment, including chargebacks, overall sales, and refunds.
  • Quarterly Banking statements for the escort business.
  • Certificates of incorporation and incumbency.
  • Photocopies of all the current owners’ and officials’ passports.
  • A structured, filled application form that includes the organizational structure, which gives the PSP insight into the business.

Your firm’s escort website must also adhere to some requirements. A compliant escort website should contain the following information.

  • Payment and refund policies.
  • Contact info that includes email and telephone info.
  • Forms of payment based on geo-preferences. You must also include the logos of the payment options available on the platform.
  • The escort service’s terms and conditions.

On top of that, other specific requirements could help improve your chances of acquiring a merchant account. They include;

  • Copies of work resume for all the escorts in your service
  • Signed and validated work agreements also come in handy.

A solid business plan can also help increase the likelihood of a successful merchant account request.


Setting up an escort merchant account can prove tedious and painstaking. However, striving to meet all the set requirements upfront leads to a more straightforward process.

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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