Businesses in the adult sector often encounter difficulties in setting up a merchant account, as the adult industry is generally viewed as high-risk by most financial institutions. This perception stems from a higher rate of chargebacks and fraudulent transactions linked to these businesses. Banks that cater to the high-risk market are particularly cautious in overseeing adult merchant accounts to ensure adherence to card association regulations, since any infractions can result in significant costs and damage to the bank. Consequently, adult industry businesses need the expertise of a high-risk payment processor.

SecurePay Online is adept at offering credit card processing services tailored for adult merchants, catering to both e-commerce and brick-and-mortar adult enterprises. By submitting a simple application along with a few necessary documents, these businesses can swiftly establish an adult merchant service. Upon approval, merchants are provided with access to an adult payment gateway, facilitating both online and manual payment processing. This enables adult merchants to accept all major credit cards and ensures timely deposits directly into their business bank accounts.

What is an Adult Merchant Account?

An adult merchant account is a financial service used by businesses in the adult industry to process payments via credit card or check, both online and in-person. These accounts are similar to standard payment processing services but are specifically underwritten for businesses that are atypical for conventional banks.

How Does an Adult Merchant Account Work?

Adult merchant accounts operate using the same mechanisms as other merchant accounts, regardless of the banks or payment processors involved. When a customer enters their card details on a payment gateway or uses a card at a terminal, the merchant’s bank processes this information through the payment card network to the customer’s bank, which then approves or denies the transaction.

Opening an Adult Merchant Account

The application process for an adult merchant account typically requires similar documentation as other account types. After submitting an application, bank underwriters review it and may request additional documents. These can include identification, banking details, and sometimes business information, along with other documents that demonstrate the business’s viability and the merchant’s financial requirements.

Documents often required include:

• Identification Proof
• Voided Check
• Recent Processing Statements (for larger businesses)
• Recent Bank Statements (for larger businesses)
• Corporate Documents (varies by bank)

 

Common Types of Adult Merchant Accounts

The adult industry, growing alongside e-commerce, includes a range of businesses beyond subscription services. This industry covers adult toys, novelties, dating services, streaming video, and online photo galleries.

Having adult product credit card processing from the start can prevent future banking and processing issues. Many payment processors are not equipped to properly set up accounts for adult industry businesses, leading to potential account closures. This can harm businesses through fund holds or association with fraudulent activities. SecurePay Online’s banking network enables us to support high-risk companies, including adult merchants, offering diverse payment options regardless of business location or type.

Adult Credit Card Processing

Credit card processing is a preferred payment method for customers and merchants alike. SecurePay Online provides access to major credit cards, ensuring safe and secure transactions.

Common credit card service options include:

• Online Payment Gateway
• Storefront Credit Card Terminal
• Mobile Application Support

With SecurePay Online, businesses can establish adult merchant accounts using these methods. Our software and hardware solutions provide flexibility in payment acceptance.

Other Merchant Services for Adult Businesses

SecurePay Online offers various payment options, including non-credit card methods like check processing and crypto payments, which are gaining popularity.

These solutions offer alternative payment methods with lower costs and similar or faster settlements compared to credit cards.

Payment Gateway for Adult Merchants

The SecurePay Online payment gateway offers exceptional uptime, ensuring reliable operation for business merchant accounts. Businesses often experience increased order and payment acceptance rates with our high-risk gateway.

Transactions processed online or via a virtual terminal by the merchant receive prompt approvals, reducing delays or transaction timeouts, benefiting customers seeking quick and seamless checkouts.

Reducing Fraud for Adult Merchants

Fraud is a significant concern for all online businesses, including adult merchant accounts. Our team collaborates with leading e-commerce companies to provide comprehensive fraud prevention tools, particularly targeting chargeback fraud.

Merchants can tailor their fraud prevention tools to suit their business needs. A generic fraud prevention approach is less effective across different industries with varying chargeback and fraud risks.

Businesses can block transactions based on location, number of attempts, and card usage to minimize chargeback risks. Finding the right solution is crucial for maximizing revenue.

Choosing the Best Adult Payment Processors

Looking for credit card companies that cater to the adult industry? SecurePay Online aims to provide adult industry payment processing services at competitive rates. Once approved through SecurePay Online, merchants receive their account credentials and can start configuring settings with assistance from our team for any queries, from account management to fraud protection tips.

An adult merchant account should be reliable and stable to support business growth. Our support department helps business owners through every stage, from application to integration, and continues to support your credit card and payment processing needs. Our team responds promptly to all inquiries, ensuring your business gets the necessary support from its payment processor.

Apply for an Adult Business Merchant Account Today!

Our team has established a network of banks specializing in high-risk adult merchant accounts. With various banking options, adult industry businesses can expect swift approval and straightforward setup. Approval typically takes 3-5 days, requiring a simple application package for most merchants. High-risk businesses working with SecurePay Online benefit from one of the fastest setup processes and payout schedules in the industry. Contact our office today to consult with an adult merchant account specialist.