Why It’s Hard To Get Credit Card Processing For Online Adult Services

Jun 09, 2017

Merchant account services enable a business to accept credit and debit card payments from their customers. Without a merchant account, your business won’t be able to transfer funds from card issuing banks to your business bank account. Merchant account services include payment processing for various types of businesses, including MOTO (mail order/telephone order), retail, Internet and high risk.

Online adult services are tabbed as high risk. As a rule, they struggle to get approved for a merchant account. It’s hard for them to find a payment processor that would be willing to work with them and provide the services an adult business needs to accept credit and debit cards.

What is a High Risk Merchant Account?

Increasingly, more companies are turning to payment processors and other financial institutions for a high risk merchant account because of the nature of their business. So, what’s a high risk merchant account? Below you can find the reasons why a merchant account may be classified as high risk:

  1. Taking a loss on your account because your personal credit or company financials aren’t able to support the sales volume you’re applying for
  2. There is a longer chargeback liability period with the given service/product
  3. If the target business operates in an industry with a history of high chargebacks
  4. The given account features a “reputational” risk like the adult industry
  5. If the business is on the TMF or MATCH list

All the mentioned reasons make a business face challenges when trying to get approved for a merchant account. Fortunately, there are reputable high risk payment processors like emerchantbroker.com that can open a reliable and low-cost high risk merchant account easily, including an adult merchant account.

EMB is voted the #1 high risk processor in the US and boasts an A+ rating with the BBB. EMB is rated A by Card Payment Options and is one of Inc. 500’s Fastest Growing Companies of 2016.

EMB can get you an adult merchant account for your dating, adult novelties, adult toys, and adult content websites. As long as your chargeback rate is below 3%, EMB can help you get your business the proper credit card processing account.


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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