How to Find an Adult Merchant Account

Many adult businesses are viewed as high-risk by traditional banks and payment processors, which makes it challenging for them to find a merchant account. The underwriting process for a high-risk merchant account is often much more extensive and includes asking for detailed financial documents and personal information, including ID verification and credit history. Despite the challenges, there are some payment processing companies that offer merchant accounts for adult-oriented businesses like webcams, e-commerce stores, and adult entertainment sites. However, the best adult merchant account providers will work with only legitimate and legal adult businesses that fully comply with industry regulations.

A high-risk adult merchant account should offer a number of key features, including risk management tools like real-time fraud scrubbing and payer authentication. It should also allow for the ability to accept multiple payment methods, such as debit and credit cards, mobile payments, ACH, and e-Checks. It should also provide customer service that is quick to respond and answer questions and concerns. In addition, a high-risk adult merchant account should include fraud prevention tools like chargeback management and a partnership with Corepay to help stamp out fraud.

The adult merchant account should also have the ability to verify a customer’s age through the use of a third-party system that is PCI compliant and can handle multiple languages. It should also offer a variety of point of sale (POS) systems for in-person transactions, such as Clover POS, SwipeSimple, and Vital POS. Lastly, it should be able to provide ongoing fraud data from VISA and MasterCard (called TC40 and SAFE data, respectively) to aid in chargeback mitigation.