Unique Adult Merchant Processing Solutions for Your Business

Jul 12, 2018

Are you an adult business owner? Is it challenging for you to get approved for adult merchant processing? Where can you find a reliable and reputable adult merchant account for high risk payment processing? Just read below and you’ll get answers to these questions.

What Does High Risk Mean for Your Business?

Beyond any doubt, the adult sector is a lucrative industry for online merchants. Moreover, it’s growing and becoming even more profitable all over the world. So, it’s no wonder that the number of the people interested in starting a business in the industry is growing.

As you may know, adult businesses are considered high risk because of high chargeback and dispute rates. So, this means you’ll have a difficult time obtaining a merchant account for a strip club, pornography site, escort services, online dating site, or sex toy business.

Are you thinking about payment processors like PayPal, Stripe, or Square? Well, don’t get too much surprised if they refuse to process payments for your high risk business.

In fact, PayPal and the others avoid doing any underwriting until after a business starts accepting credit cards. As soon as it’s time for the underwriting phase after 6 months have passed, you’ll get a notification. It’ll tell you the aggregator refuses to work with you. So, your money will get frozen after 6 months.

The reality is that sponsor banks must allow adult businesses in their underwriting guidelines for them to get approval for a merchant account. Many of the biggest and famous banks in the world don’t allow processors to underwrite for this type of businesses.

Adult Merchant Processing from eMerchantBroker.com

Are you looking for affordable and effective solutions for dating sites, escort services, adult toys and novelties, adult bookstores and magazines, adult eBooks, or strip clubs? Are you searching for a respectable payment processor to get a merchant account for an adult massage business or adult bookstores, strip clubs or novelties, toys or porn websites?

Well, be aware that traditional banks will automatically label you as high risk. What can you do? It’s simple. You just need to find the right credit card processing company that’s ready to work with your type of high risk business.

Have you tried eMerchnatBroker.com? Voted the #1 high risk processor in the US, EMB is rated A+ by the BBB. Besides, EMB carries an A rating with Card Payment Options and understands the unique needs of high risk businesses like no one else.

It’s critical to get a retail or eCommerce adult merchant account for accepting debit and credit cards. So, eMerchantBroker.com is committed to providing long-term success for your business. With EMB, you can be sure to enjoy the lowest rates for adult payment processing and the best merchant services in the sector.

eMerchantBroker.com guarantees highly competitive rates from one of its domestic or international acquiring banking partners to help you grow your business. The great thing about eMerchantBroker.com is that EMB talks to every single business before offering merchant services. So, this way, you get the right payment processing solutions geared to your own specific business needs.

Did you know that even larger institutions like Wells Fargo and Chase don’t allow underwriting for adult merchant accounts? By the way, adult merchant processing isn’t the only reason to turn to eMerchantBroker.com.

High risk businesses, including adult businesses, can’t just walk into a local bank and get a loan. That’s where companies like eMerchantBroker.com step in. EMB offers not only payment processing services but also merchant funding.

As a reputable alternative online lender, EMB will keep you away from obstacles concerning underwriting guidelines. eMerchantBroker.com works with businesses like:

  • Adult Bookstores
  • Adult Content Membership Sites
  • Adult Massage Businesses
  • Adult Toys and Novelties
  • Escort Services
  • Online Lingerie and Adult Clothing Shops
  • Strip Clubs

The application requirements include:

  • A valid, government-issued ID (driver’s license, etc.)
  • A bank letter or a pre-printed voided check
  • 3 months of the most recent bank statements
  • 3 months of the most recent processing statements if applicable
  • SSN (Social Security Number) or EIN (Employer Identification Number)
  • Chargebacks under 2%

As you see, even if the high risk industry can put rocks on your way, you can overcome them easily if you work with a payment expert in the field. So, take the right steps and take your adult business to the next level with ease.

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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