Starting up an at-home Adult Novelty Business

Jul 30, 2014

The adult industry is big business, from videos to products. If you want to get into the adult industry, one simple way is to sell adult novelty products from home. You can do it discreetly, and you also have the option to sell the products without keeping stock at home.

When operating an at-home adult novelty business, you have the option of using the “drop ship” method of sales. With drop shipping, the customer orders from you, and when you order from a vendor or wholesaler. The vendor or wholesaler then ships the products to the customer. You keep your part of the money, and you do not have to worry about any added shipping costs or hassles. Drop shipping is also a fantastic option if you are not comfortable having excess inventory in your home.

Regardless if you choose the drop shipping method of business or not, the second matter of business at hand is finding an adult merchant account. While there are many companies that offer merchant accounts, not all cater to the adult industry. For this, you need a high-risk merchant account provider, such as, or EMB. We at EMB know the trials and tribulations involved with operating a high-risk business, namely an adult-themed business. Adult merchant accounts are often criticized for their high volume of fraudulent transactions. While we do charge you chargeback fees associated with fraudulent charges, we do offer you the protection of chargeback insurance. Chargeback insurance helps keep the chargeback fees low, as well as gives you a heads up of the incoming fees. Adult merchant accounts need special attention, and we at EMB can give it.

Operating an adult novelty shop from your home can be a great part-time or full-time job. There are options available so that you do not have to keep stock in your home, which is great if you have a small space or a growing family. While this can be a lucrative business, you must make sure that your adult merchant account provider is dedicated to you, and the oddities that can come with having an adult-themed business.

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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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