Redefining the Adult Merchant Industry

Jun 22, 2015

The adult industry has been controversial for some time. Marital aids, sex toys and pleasure products are “hush-hush” topics. Any businesses that sell such products have been “exiled”. Communities push these establishments to grimy industrial areas or trucks stops, anywhere where “decent” people couldn’t possibly stumble across them.

Another misconception by many is that the adult industry is focused on porn, and that there is no wholesome aspect to the industry. The franchise Adam & Eve has moved to change this perception of the adult industry. This company has shown that a classy atmosphere can be created for women and couples while also promoting sexual health.

Adam & Eve is slowly changing the way the community views an adult store. The first 80 percent of the store is set up much like a Victoria Secret. Lingerie and products popular for bachelorette parties are stocked at the front. Other “naughtier” products are kept behind partitions in the back.

This set up has made women and couples feel much more comfortable to come in and browse. It has also made it possible for the company to open their stores in specialty retail locations in strip malls and other shopping areas; a big change from the grimy industrial areas and truck stops where other adult stores are.

Even with these positive changes, it has been a struggle for Adam & Eve to gain acceptance and build stores. It has been a fight, city by city. As of now, Adam & Eve has successfully opened 53 units in 24 states. The biggest obstacle has been proving to landlords and legislators that the No. 1 name in adult merchandise is not a porn store. When the first store’s doors open in a new area and the public and the chamber of commerce sees it, it becomes easier and easier for more stores to open.

In many cases, members of chamber of commerce arrive at the opening event to “prove that they were right”. However, they quickly discover that the store is not only tastefully done, but that they would also enjoy shopping there. Even so, zoning regulations and landlord approval remain the biggest obstacles for Adam & Eve.

Their determination and success serve as a testament to other entrepreneurs who wish to get involved in the adult industry. While considering how to gain approval from landlords and legislation, it would also be wise to consider sources of funding and payment processing; this has and continues to prove to be a big obstacle.

Thankfully, alternative providers like eMerchantBroker have stepped in to provide solutions to these needs. An adult stream merchant account, for example, involves no application fees, competitive rates and no VISA/MasterCard is required. As long as your chargeback rate is lower than 3%, you can take advantage of this merchant account to expand your profits through premium adult processing services. With the adult industry seeing record profits, now is a great time to start!

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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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