Low Adult Merchant Account Rates

Aug 29, 2014

It is estimated by business owners that the sex toy industry does $15 billion in sales annually. When Hamilton Beach introduced the first electric vibrator in 1902, 10 years before they actually introduced the electric iron or the electric vacuum cleaner, they had no idea they were beginning the trend towards a multi-billion dollar industry. There is a great deal of money to be made with an online account. However, this business is considered a high-risk adult merchant account, and oftentimes businesses have difficulty finding a processor with low adult merchant account rates.

The business does not even have to sell sex toys or videos to be considered a high-risk account. There are quite a few sectors that fall into this category including adult dating sites. The main reason for the moniker is that many of these sites will have a high number of chargebacks. This can be a red flag to the credit card processor that there might be charging of accounts that did not ask for service. It is a huge red flag to the credit card associations that levy very large fines for having excessive chargebacks.

Because of the chargeback percentages and the possibility of fraudulent charges made to other individuals’ accounts, it used to be that the adult-based business had to look to off-shore processing which was astronomically high. Even with domestic processors today there can be very high monthly fees, administrative fees, high fees per transaction, and more. The merchant seeking an adult merchant account needs to compare apples to apples.

If you are an adult business and can keep your chargebacks under a 3% benchmark, there is a processor who can open a new adult merchant account with lower rates than the competitors. Their expert account managers can get you set up quickly and efficiently. And you do not have to have your own Visa or MasterCard registration.

Offering a variety of secure payment gateways that are always CPI compliant, you have no application fees and often no set-up fees. Best of all you can get approved within 24 hours. You do not have to wait days or weeks to be able to accept credit card and debit card payments. What is also important to a small business that needs to replenish merchandise once it is sold, your processing revenue can be in your bank account the following business day.

Click below to get approved for a high-risk adult merchant account in as little as 48 hours!



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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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