Adult Merchant Account Solutions


The Challenges of an Adult Merchant Account

Adult Entertainment and Adult Product merchants are considered high risk for a variety of reasons. This means that it can be difficult to get a merchant account if you’re in this industry or any of its subcategories.

What Does Being High Risk Mean?

When a bank labels you as high-risk, it means that they believe your business will be too much of a risk to work with. In other words, you won’t be able to get your merchant account from a bank. However, this doesn’t mean that you won’t be able to accept credit cards online. As long as you are following the legal landscape for this industry, you can find the best high-risk merchant account for your business.

Why Adult Merchant Accounts Are Considered High Risk

Adult merchants supply customers with a number of various goods and services, like streaming, photographs, escort services, and products. Although merchants in this industry run lucrative businesses, banks still deny their applications for merchant accounts. Here are some of the challenges for Adult merchants.

Card Not Present

Banks consider any business that processes card-not-present transactions high risk. When a cardholder isn’t present to sign for the purchase, merchants may have a difficult time verifying that the card, in fact, belongs to that particular customer. Believe it or not, most e-commerce businesses are considered high-risk because of this, even though there are ways to verify customer identity online.


Subscription-based services also are considered high-risk, typically because of chargebacks. Chargebacks occur when a customer chooses to call their bank and dispute the charge on their credit card. These can happen for a number of reasons, like being unhappy with the service provided.

However, the most common reason for chargebacks when it comes to a subscription-based business is the fact that many people simply forget that they are paying a monthly fee. Instead of calling the company listed on their credit card bill, they will call their card issuing bank and dispute the charge before finding out what the charge is.

Strict Regulations

The adult industry is considered high risk to banks because of the strict regulations and legal restrictions associated with the industry. Simply put, banks don’t understand all of the rules that these types of businesses must follow, so making sure they are in compliance can be difficult. For this reason, it’s easier for banks to just turn away instead of offering a merchant account.

At the same time, banks may not want to get involved with businesses that deal with controversial content and products. They don’t want to associate with these businesses, which they believe could damage their reputation.

Merchant Account Solutions for the Adult Industry

Every e-commerce merchant should be able to process payments without concern, which is why we offer adult merchant accounts to adult service and product providers.

Our application process is quick and easy, and there is no fee. You can apply online or contact us. Once you’ve completed your application, we can approve you in just 24 hours so that you can start payment processing as soon as possible.

Apply for your Adult Merchant Account today.

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