What Payment Processor Will Accept My Adult Business

Nov 09, 2017

Securing a merchant account for your adult business, for instance a dating merchant account, is not as simple as applying with your local bank. This is because credit card processors only accept businesses that their sponsor banks permit in their underwriting instructions. Regrettably, most major banks prohibit their credit card processors from writing adult related businesses.

As a result, you have to consult a high risk payment processor if you plan to start accepting card payments. And not just any high risk processor, go for one whose sponsor bank allows adult businesses.

But how do you know who accepts your specific type of adult business?

Generally, all responsibly run legal business will be approved by any merchant service provider who accepts adult business. Some of the commonly accepted businesses include;

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

However, the ever-changing adult industry is known for developing new business models, line of products or services that many high risk merchant service providers are unfamiliar with. In this case, you have to explain the nature of your business, but generally, if it’s legit, financial experts like EMB will provide you with a payment solution.

You will most likely find a way out as most High risk merchant account providers work with several processors and sponsor banks. Therefore any fresh unheard-of idea only calls for a detailed explanation of your business model which the account issuer will then translate to a reasonable proposal for the underwriter to understand and assess.


The risky nature of the adult industry makes it a threat to most primary sponsor banks. Therefore, any low risk merchant account provider won’t accept you, and most high risk service provider will only work with legally operating businesses.

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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