Websites are Easing Adult Content Regulations

Sep 13, 2016

Those who have adult-oriented businesses know that the hunt to find a merchant account is tough. Maybe you did luck out with a reliable processor (like EMB), or maybe you have stuck with an online processor. Paetron and a few other “mainstream” businesses are now realizing that this is a lucrative industry – as well as an industry that doesn’t have the type of risks that some once though.

It does, however, have the same risks that all “high risk”-labeled merchants have, which is a chargeback due to fraudulent activity. This happens, but it isn’t the end of the world. Paetron seems to realize it, and perhaps later on other mainstream processors will, as well. Until then, your best bet to find an adult merchant account provider that understands your business. This maybe what ends up happening with Paetron. The site has decided that it will allow adult-oriented (aka pornographic) artwork to be featured and sold on its website, with payments going through PayPal’s subsidiary BrainTree. We shall see how long this lasts, but it is a welcoming sign that changes are coming.

If you are a mainstream merchants wanting to do business with an adult-oriented party, check around. Check that you will not have any payment troubles beforehand, and if so, consider switching to a merchant account that understands these companies. While it may take time for the mainstream to embrace the money-making abilities of adult-oriented sites and services, “high risk” processors such as EMB already do. The expertise that comes from dealing with these companies is something that cannot be found in a book or brochure – you have to experience it for yourself.

Trouble can arise in an adult-oriented business, but the payoff in revenue can be worth it. Paetron may soon find this out, and other businesses may follow suit. For an adult-oriented merchant, the first thing you need to do is to make sure that your merchant account provider will accept these payments. Without this, you cannot safely accept payments. If they are no cooperative, go elsewhere. Your business is worth it.

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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 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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