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The 7 Best Merchant Accounts For Adult-Oriented Products & Services

If you run a business in the adult entertainment industry and need a way to navigate the world of merchant accounts, this article will guide you through the process and our top picks for processors.

    Frank Kehl
  • Last updated onUpdated

  • Chris Motola
  • REVIEWED BY

    Chris Motola

    Senior Staff Writer

Advertiser Disclosure: Our unbiased reviews and content are supported in part by affiliate partnerships, and we adhere to strict guidelines to preserve editorial integrity.

The Digital Age allowed the adult entertainment industry to expand dramatically in terms of sales volume and the number of customers making purchases. With the industry predominantly online, you’ll need an adult merchant account to accept credit cards, debit cards, and other forms of payment for your adult entertainment business.

However, getting approved for an account is much trickier in the adult entertainment industry than in other businesses. For various reasons, most traditional merchant service providers won’t approve an account for an adult entertainment business. Virtually every payment processor classifies adult entertainment as a high-risk industry. To get approved, you’ll need to work with a high-risk specialist that accepts adult entertainment businesses.

Below, we’ll explain the challenges faced by the adult entertainment industry when it comes to payment processing and recommend some of the best high-risk merchant account providers that serve the adult entertainment industry.

Learn More About Our Top Picks

CompanyFeaturesNext StepsFeatures
PaymentCloud

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  • No account setup fee
  • Free credit card terminal
  • Excellent customer support
  • No account setup fee
  • Free credit card terminal
  • Excellent customer support

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Corepay

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  • Accepts most adult entertainment industries
  • Offers mail-order/telephone-order only option
  • Provides extensive anti-fraud & chargeback protection services
  • Accepts most adult entertainment industries
  • Offers mail-order/telephone-order only option
  • Provides extensive anti-fraud & chargeback protection services

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Host Merchant Services

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  • Supports adult websites & toys
  • Interchange-plus pricing available
  • Excellent reputation for customer support
  • Supports adult websites & toys
  • Interchange-plus pricing available
  • Excellent reputation for customer support

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Durango Merchant Services

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  • Durango Pay payment gateway
  • No early termination fee
  • eCheck & cryptocurrency processing available
  • Durango Pay payment gateway
  • No early termination fee
  • eCheck & cryptocurrency processing available

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PayKings

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  • 20+ acquiring banks available
  • Integrates with Shopify
  • Requires long-term contract w/early termination fee
  • 20+ acquiring banks available
  • Integrates with Shopify
  • Requires long-term contract w/early termination fee

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Instabill

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  • Wide range of terminals & POS systems available
  • Extensive support for online adult businesses
  • Anonymous payments available
  • Wide range of terminals & POS systems available
  • Extensive support for online adult businesses
  • Anonymous payments available

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SeamlessChex

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  • 15+ acquiring banks available
  • Includes eCheck processing service
  • Offers next-day funding
  • 15+ acquiring banks available
  • Includes eCheck processing service
  • Offers next-day funding

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Read more below to learn why we chose these options.

Table of Contents

What Is An Adult Merchant Account?

An adult merchant account is a high-risk merchant account that has been approved for use by a business in the adult entertainment industry. Adult merchant accounts are typically more expensive and have more stringent contract requirements than comparable low-risk accounts.

How Do I Obtain An Adult Merchant Account?

To obtain an adult merchant account, you will first need to research high-risk merchant account providers that accept adult entertainment businesses. Note that popular credit card processors like Square and PayPal do not accept any businesses in the adult entertainment industry.

Once you have narrowed your search down to several suitable candidates, you will need to obtain pricing quotes from each of them. We discuss several reputable providers below. The last step is to submit an application with the provider offering the best overall value for your money. If accepted, you should thoroughly review all contract documents before signing up.

Why Getting An Adult Merchant Account Can Be A Challenge

The term “adult entertainment industry” is a broad description of a wide variety of adult-themed products and services. There are many separate sectors within the adult entertainment industry, and virtually all of them are considered high-risk by banks and processors. However, some sectors are riskier than others in terms of getting approved for a merchant account.

Here’s a brief list of the most common categories found within the adult entertainment industry:

  • Online dating websites
  • Sex education courses (books, videos, webinars)
  • Lingerie items
  • Fetish-related items
  • Sex toys and novelty items
  • Lubricants and lotions
  • Streaming video services
  • Adult-themed video games
  • Adult videos and photography
  • Telephone sex operators
  • Escort services

Why Is The Adult Industry Considered High Risk?

In searching for a provider that accepts adult entertainment businesses, it’s important to note that each high-risk provider has specific categories it’s willing to accept. This list can differ from one provider to the next, so it’s crucial to locate it before proceeding. Most providers post this information on their website, so we recommend searching for it there.

Factors that cause businesses in the adult entertainment industry to be considered high-risk include the following:

  • Reputational Risk: While most processors will gladly work with any profitable business, they do have their reputations to think about. Some providers simply don’t want to be associated with these types of businesses, even if they’re perfectly legal.
  • Heavy Regulatory Compliance Requirements: Adult-oriented businesses are more heavily regulated – particularly at the state level – than other types of businesses. Minimum legal age requirements for both performers and customers apply in virtually every jurisdiction. In other states, the sale of sex toys and other adult products is prohibited outright. With eCommerce businesses operating in virtually every state, compliance with these laws adds an additional layer of complexity that many processors don’t want to deal with.
  • High Chargeback Rates: Having a higher-than-normal chargeback rate (i.e., over 1% of sales) is the single most common factor in causing any business to be considered high-risk, and it’s a problem in many sectors of the adult entertainment industry.
  • Higher Risk Of Fraud: Although fraud is an ever-growing concern for all eCommerce businesses, it’s historically been a larger problem in the adult entertainment industry.
  • Additional Security Concerns: Adult businesses have been frequent targets of hackers and other cybercriminals, requiring an additional level of security than other businesses. If the provider feels that your business is at an elevated risk of a data breach, it may not approve you for an account.
  • Organizational Policies: Even if a provider doesn’t categorically exclude adult entertainment businesses, it may have written policies – often related to the factors listed above – that preclude it from doing business with an adult entertainment vendor.

What Are The Downsides Of An Adult Merchant Account?

Very high overall costs are the primary downside to an adult merchant account. If you feel that obtaining an adult merchant account will be too expensive for your business, you should look into providers offering alternative payment methods, such as eCheck processing,  ACH transfers, or cryptocurrency payments.

The 7 Best Adult Payment Processors

A good adult merchant account provider will offer a full range of products and services, fair contract terms, and reasonable pricing. Top-notch customer service is also a critically important consideration. These are our top picks for adult merchant account providers:

How The Best Adult Merchant Account Providers Compare

Application/
Setup Fees
Contract Terms Pricing Model Alternative Payment Methods Special Feature
PaymentCloud Month-to-month billing may be available Not disclosed ACH, eCheck, QR codes, cryptocurrency “Free” credit card terminal available
Corepay Requires long-term contract with ETF Flat-rate pricing ACH Offers MOTO-only option
Host Merchant Services May require long-term contract Not disclosed ACH Includes free web hosting
Durango Merchant Services Usually requires long-term contract, no ETF Not disclosed eCheck, cryptocurrency Dedicated account manager
PayKings Requires long-term contract with ETF Tiered pricing ACH, eCheck Dedicated account manager
Instabill Not disclosed Usually requires long-term contract with ETF Not disclosed ACH, cryptocurrency Supports anonymous payments
SeamlessChex Month-to-month billing (most merchants) Flat-rate pricing ACH, eCheck eCheck processing specialist

PaymentCloud: Best For Cost-Conscious Adult Businesses

Total Rating 4.1
Fees & Rates4.3

Products & Services5.0

Contract2.8

Sales & Advertising Transparency3.9

Customer Service4.2

User Reviews4.0



Exclusive Promo: PaymentCloud will give you $200 if they can't beat your current rate. Get Your Quote

Pros

  • No account setup fee
  • Reasonable rates and fees
  • Excellent customer support
  • Few public complaints

Cons

  • No publicly disclosed pricing
  • No support for escort services

Why PaymentCloud Is The Best Choice For Cost-Conscious Adult Businesses

Unlike most high-risk providers, PaymentCloud doesn’t charge an account setup fee for new merchants – despite the additional underwriting required to approve your account. Customer service is another important consideration for any business, and the company has an excellent reputation in this area. As with virtually all high-risk providers, specific pricing information is highly variable, so you’ll have to contact the company for a pricing quote that’s tailored to your business.

We'd also note that PaymentCloud is so well respected in the high-risk sector that providers such as Stripe and Dharma Merchant Services frequently refer their declined merchants to the company.

PaymentCloud Features

PaymentCloud is an excellent all-around high-risk provider, but the company also offers a lot of specialized features for adult entertainment businesses. The company supports both eCommerce and retail businesses with a variety of features, including the following:

  • High-risk merchant accounts
  • Integrated web hosting
  • Payment gateway (Authorize.Net or USAePay)
  • Virtual terminal
  • “Free” credit card terminal with each account
  • Multiple POS systems available

Contract Requirements/Warnings

Like most high-risk providers, PaymentCloud usually requires a long-term contract (typically with a three-year initial term). While you might be able to get a month-to-month contract in some cases, you should expect to have some type of long-term commitment — especially if you accept the company’s “free” credit card terminal offer. Specific contract terms will vary according to which backend processor underwrites your account.

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Corepay: Best For Mail-Order/Telephone Order Businesses

Total Rating 4.0
Fees & Rates4.3

Products & Services5.0

Contract2.4

Sales & Advertising Transparency3.9

Customer Service4.3

User Reviews3.0



Pros

  • No application or account setup fees
  • No annual fees
  • Offers proprietary NetValve payment gateway
  • Accounts include extensive antifraud & chargeback protection features

Cons

  • Very few pricing disclosures

Why Corepay Is The Best Choice For Mail-Order/Telephone Order Businesses

We chose Corepay because it not only accepts a wide variety of high-risk industries but also provides extensive information about the unique factors that go into getting this type of merchant account.

Corepay can usually place merchants in most high-risk industries, provided they only sell legal products and haven’t had a previous account terminated by another provider.

Corepay offers a full range of products and services, with a particular emphasis on online and mail order/telephone order (MOTO) sales. Credit card and ACH processing are available, with rates for credit card transactions starting at 2.95%. Note that Corepay fully discloses that most high-risk merchants will pay processing rates that are significantly higher than what a comparable low-risk business would pay. The company is also mum about its contracts, so you can expect to have a long-term contract with an early termination fee, as well as a rolling reserve when the account is first established.

Corepay Features

Corepay offers a variety of products and services for retail and online high-risk merchants, including the following:

  • High-risk merchant accounts
  • Mail Order/Telephone Order (MOTO)-only accounts
  • Multiple options for processing hardware
  • Proprietary NetValve payment gateway
  • Authorize.Net and NMI gateways also available
  • ACH processing
  • Ethoca and Verifi chargeback protection services
  • Visa’s Rapid Dispute Resolution (RDR) service

Contract Requirements/Warnings

Like almost all high-risk providers, Corepay doesn’t mention its contracts on its website. While some established, high-volume businesses may be able to negotiate a month-to-month contract, most others will have to accept a long-term contract with an early termination fee. Specific terms will vary depending on the requirements set by the bank or backend processor that underwrites your account. Also, your account will most likely include a rolling reserve when it’s first set up. Be aware that the terms of your reserve are negotiable.

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Host Merchant Services: Best For Adult eCommerce Businesses

Host Merchant Services

Total Rating 4.9
Fees & Rates5.0

Products & Services5.0

Contract5.0

Sales & Advertising Transparency4.7

Customer Service4.6

User Reviews4.8



Pros

  • Accepts several sectors of the adult entertainment industry
  • Offers a full line of products and services
  • Fair and reasonable pricing
  • Excellent customer support

Cons

  • Will usually require a long-term contract for high-risk businesses
  • High-risk pricing not disclosed
  • Usually requires a rolling reserve

Why Host Merchant Services Is The Best Choice For Adult eCommerce Businesses

Host Merchant Services is one of the most transparent providers we've found, with extensive disclosures of its interchange-plus rates and account fees on its website. Unfortunately, this transparency does not apply to high-risk merchants, who will have to obtain a customized pricing quote. Pricing for high-risk merchants is, however, very competitive with what other reputable high-risk specialists can offer you.

The company also offers a broad range of third-party products and services for any type of business and has a remarkably low complaint volume from its users. While you may not get features such as month-to-month billing or transparent pricing disclosures, you will enjoy the same high level of customer support that low-risk businesses receive.

Host Merchant Services Features

Host Merchant Services (HMS) is one of our favorite providers for low-risk businesses, but the company also serves a number of high-risk industries as well. HMS advertises support for adult-themed websites (including membership sites) and adult novelty/toy businesses. However, it may support others as well. Key products and services include the following:

  • High-risk merchant accounts
  • “Free” EMV-compatible terminal available
  • Wide selection of POS systems
  • Choice of Transaction Express or Authorize.Net payment gateways
  • Free website hosting included with each account
  • $100,000 data breach insurance with all accounts

Contract Requirements/Warnings

You should expect to have to accept a long-term contract that may or may not include an early termination fee if you’re in a high-risk industry. HMS offers support for high-risk industries through a partnership with Electronic Merchant Systems (EMS), which may require a long-term contract. All processing hardware is offered for direct sale, as the company does not lease any equipment.

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Durango Merchant Services: Best For International Adult Entertainment Merchants

Durango Merchant Services

Total Rating 4.8
Fees & Rates4.5

Products & Services5.0

Contract5.0

Sales & Advertising Transparency4.9

Customer Service4.4

User Reviews5.0



Pros

  • Fair processing rates and account fees
  • No early termination fees (in most cases)
  • Offers offshore merchant accounts for some international merchants
  • Offers dedicated account manager for customer support

Cons

  • No pricing disclosures on website
  • Usually requires long-term contract

Why Durango Merchant Services Is The Best Choice For International Adult Entertainment Merchants

Durango Merchant Services is one of our top picks for any high-risk business that needs to accept credit cards. While the company accepts a variety of adult entertainment businesses, it doesn’t provide a specific list of approved sectors within the adult industry on its website.

Durango works with a large number of domestic banking partners, but is also one of the few reputable companies to offer safe offshore accounts for merchants who need them. While the company doesn’t disclose any pricing information on its website due to the variety of backend processors it works with, it has an excellent reputation for fair pricing and great customer service. Every merchant placed with Durango will have a dedicated account manager assigned to them for customer service.

In addition to credit card processing, Durango offers support for alternative payment methods as well. This includes eCheck processing (but not ACH transfers) and cryptocurrency processing.

Durango Merchant Services Features

With a primary focus on eCommerce, Durango offers the following key products and services:

  • High-risk merchant accounts
  • Offshore merchant accounts available
  • Durango Pay payment gateway
  • eCheck payment processing
  • Cryptocurrency processing

Contract Requirements/Warnings

You’ll probably have to agree to a long-term contract with Durango, as this is nearly unavoidable in the high-risk processing sector. However, the company usually doesn’t charge an early termination fee if you switch to a different provider. It also doesn’t lease processing equipment, so you can either have your existing hardware reprogrammed or purchase a device from Durango.

Get Started With Durango Merchant Services

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PayKings: Best For Excellent Customer Support

Total Rating 3.8
Fees & Rates4.0

Products & Services5.0

Contract3.4

Sales & Advertising Transparency2.2

Customer Service3.9

User Reviews3.0



Pros

  • No application or account setup fees
  • Multicurrency options
  • ACH & eCheck processing available
  • Dedicated account manager for customer support

Cons

  • Uses untransparent tiered pricing
  • Requires early termination fee

Why We Chose PayKings For Excellent Customer Support

Unlike many other high-risk providers, PayKings offers significant support to adult entertainment businesses. This includes a separate page on the company's website explaining the details of getting approved for an adult merchant account and highlighting the services available to merchants. The company places a particular emphasis on eCommerce, with extensive developer support resources accessible from the website. Although PayKings uses tiered pricing and requires a long-term contract (with an ETF), these terms are hard to avoid for any high-risk merchant. PayKings also has a favorable reputation among its merchants for high-quality customer support, including assigning a dedicated account manager who will be your first point of contact for any support issues.

PayKings Features

PayKings enjoys an enviable reputation as a top-notch provider specializing in high-risk industries. The company accepts a wide variety of adult entertainment businesses and has a dedicated website page describing its services for adult industries. Key features to look for include the following:

  • High-risk merchant accounts through 20+ acquiring banks
  • Choice of NMI or Authorize.Net payment gateways
  • Shopify integration available
  • ACH & eCheck processing available
  • Extensive developer support

Contract Requirements/Warnings

PayKings doesn’t discuss contract terms on its website, but you can expect to have to agree to a long-term contract with an early termination fee due to the high-risk nature of your adult business. Like most other high-risk providers, PayKings also uses rolling reserves as a hedge against chargebacks or your business failing while you’re still under contract. The terms of a reserve account can have a significant impact on your business, so be sure that you understand how it works before you sign up. Also, be aware that there is some leeway to negotiate the specific terms of your rolling reserve when setting up your account.

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Instabill: Best For Offshore Adult Merchant Accounts

Total Rating 3.8
Fees & Rates3.8

Products & Services4.6

Contract2.2

Sales & Advertising Transparency4.2

Customer Service4.0

User Reviews4.0



Pros

  • High-risk merchant account specialist
  • Offshore merchant accounts available
  • Anonymous payment processing solution available
  • Extensive support for numerous adult industry sectors

Cons

  • Usually requires long-term contract
  • Usually requires early termination fee
  • Usually requires rolling reserve

Why Instabill Is The Best Choice For Offshore Adult Merchant Accounts

Instabill has extensive experience in the high-risk sector and can often get you approved for an account when other providers cannot. The company offers a very impressive lineup of products and services for both retail and eCommerce businesses and specializes in working with the adult entertainment industry. One unique feature now offered is the ability to accept anonymous payments for eCommerce transactions using gift cards from major retailers like Amazon or Walmart and a special widget installed on your website. Payouts can be received in either cryptocurrency or via ACH transfer.

Instabill Features

Instabill is a small, reputable, high-risk merchant services provider. The company accepts a variety of adult entertainment businesses, including adult toys, gentlemen’s clubs, escort services, and many others. Key products and services include the following:

  • High-risk domestic merchant accounts
  • Offshore accounts
  • Proprietary payment gateway
  • Hosted payment page available
  • Wide range of third-party terminals & POS systems
  • Mobile processing solution available

Contract Requirements/Warnings

Like almost all high-risk providers, you’ll usually have to accept a long-term (typically three-year) contract with an early termination fee (ETF). Specific terms will depend on whether you sign up for a domestic or offshore account and which acquiring bank is underwriting your account. Rolling reserves are also usually required, although the terms are variable and subject to some negotiation. Note that negotiating to drop the reserve account requirement entirely is probably not an option.

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Seamless Chex: Best For eCheck Processing

SeamlessChex


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Pros

  • Offers fast, secure alternative to traditional ACH processing
  • Offers true month-to-month billing
  • No long-term contracts or early termination fees (for most merchants)
  • Excellent customer support

Cons

  • May be expensive for some users
  • Only available to US merchants

Why Seamless Chex Is The Best Choice For eCheck Processing

Seamless Chex offers the best of both worlds for merchants in the adult entertainment industry. The company's eCheck processing service provides a low-cost alternative to credit and debit card payments, saving you money on processing costs. At the same time, you can also include a standard merchant account with your service, giving you the option of accepting credit and debit card payments from your customers. eCheck-only plans start at just $14.99/month, while a credit card processing plan with a traditional merchant account costs $25/month for the most basic option.

Seamless Chex also offers full pricing transparency on its website and has an excellent reputation among users for providing high-quality customer service.

Seamless Chex Features

Seamless Chex is primarily known for its eCheck processing services, which are designed to avoid the expense of traditional credit card processing. However, the company also offers credit/debit card processing services and accepts a wide variety of adult entertainment industries. Primary features include the following:

  • Offers high-risk merchant accounts to adult entertainment businesses
  • Online signup process with no application or setup fees
  • Secure hosted payment page included with each account
  • Includes free virtual terminal
  • Next-day funding
  • Uses Plaid to verify customer identity
  • Optional credit card surcharging program

Contract Requirements/Warnings

Seamless Chex uses true month-to-month billing with no long-term contracts or cancellation fees for all of its low-risk customers. However, if you’re in a high-risk industry and you sign up for a Seamless Merchant plan (which includes credit card and eCheck processing), you might be required to agree to a long-term contract. Be sure to discuss this issue with your sales representative before establishing an account.

Get Started With SeamlessChex

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Payment Processing Rating Methodology

Merchant Maverick has been researching the payment processing industry since 2009. Our writers have reviewed hundreds of credit card processors, merchant account services, and mobile payment apps, evaluating each provider carefully on several different metrics.

When comparing different payment processing companies and applications to one another, we consider numerous data points. Our experts start by comparing credit card processing rates, the presence of additional fees, contract length, sales practices, and the presence or absence of additional features and services, like point of sale software. Each provider is judged on its own merits and how well it stacks up to industry standards; then it is weighed against the other providers on the list.

We spend an average of 10-15 hours researching and updating each one of our lists, making sure every company or application included meets our internal standards for quality and reputation. Any list of recommended payment processors on our site might contain a mix of standard merchant accounts, third-party payment processors, mobile payment devices, and high-risk payment processors, depending on what our expert feels is the best fit for certain scenarios or business types.

For additional details about Merchant Maverick’s review and rating processes, please refer to any or all of the following methodology pages:

15

Years reviewing payment processors

100+

Providers evaluated

25

Attributes and features assessed per vendor

40+

Years combined experience


How To Increase Your Chances Of Approval For An Adult Merchant Account

Getting approved for a high-risk merchant account can be particularly challenging for merchants in the adult entertainment industry. You should be prepared to answer a lot of detailed questions about your business and your finances. You’ll also need to provide a lot of documents and personal information. The underwriting process for a high-risk account is more extensive than it is for low-risk merchants, and it’s almost always done before you can be approved for an account.

Although getting approved for an account is never guaranteed, there are things you can do to make the process go more smoothly and increase your odds of approval.

Here are several things you can do:

Gather Documentation

Providers will want to see an extensive list of documents before they can approve you for an adult merchant account. Every provider has its own list of required documents, and newly established businesses will have to provide more upfront information than established ones with a verified processing history. Here’s a list of the most commonly requested documents:

  • Completed merchant account application
  • Valid business owner’s identification (driver’s license, passport, etc.)
  • Valid business license
  • Voided check or business bank letter
  • Articles of incorporation (or articles of association)
  • Three months of statements from your business bank account
  • 3-6 months of payment processing statements (if applicable)

Shore Up Your Personal Credit Score

This step mostly applies to new business owners, who won’t have an established processing history. If it’s on the low side, anything you can do to improve your personal credit score (e.g., paying off bills or credit cards) will increase your odds of being approved.

Be Honest

We can’t emphasize this last point enough. Every day, merchants get turned down for accounts or have their existing accounts terminated because they misrepresented the nature of their business. It’s critically important that you be completely open and honest about what products and services your business is going to provide. As long as you won’t be doing anything that’s actually illegal, the high-risk providers we’ve profiled above will be more than happy to work with you. However, getting caught lying about your business, even at the application stage, can get you placed on the MATCH List (or Terminated Merchant File), making it far more difficult to get an account in the future.

What To Look For In Adult Merchant Services

Adult merchant accounts today come with far more features than just basic credit card processing. Most — if not all — of the features listed below will be essential for any business owner, so you’ll want to be sure that your chosen provider offers them and that they’re adequate for your needs. Here are the most important features to look for in selecting an adult merchant account provider:

Support For Multiple Payment Methods

Being able to accept credit and debit cards is much better than operating on a cash-only basis, but it’s just the tip of the iceberg. You’ll want to be able to accept as many alternative payment methods as possible in order to increase your overall sales volume. In other words, the more ways you can offer for your customers to pay you, the more sales you’ll rack up. Important alternative payment methods to look for include the following:

Security Features

With card-not-present fraud surging to unprecedented levels, securing your merchant account (and your customers’ payment data) is more important than ever. Providers are well aware of the risks, and most will offer a variety of both standard and optional security features to keep you protected. Be aware that not all of these features are included for free with your account. However, the most important ones usually won’t require an additional fee. Carefully evaluate any paid optional security features before agreeing to include them; the processing industry is notorious for up-selling merchants on extra features that they might or might not actually need.

Look for the following security features to protect your account:

Risk Management/Chargeback Prevention Tools

Chargebacks are the bane of any business, but they’re a particularly acute problem for adult entertainment companies. So-called “friendly fraud,” where the customer makes a purchase and then pursues a chargeback by denying that they placed the order, is a major concern in the adult entertainment industry. Most providers today offer some type of chargeback prevention program to help detect and stop chargebacks before they occur. These programs, usually from third-party vendors, will often require an additional monthly fee. While they aren’t 100% effective, they can save you a lot of money in chargeback investigation fees and put a real dent in your overall chargeback rate. For most adult entertainment merchants, they’re well worth the extra cost.

Subscription Management

Offering products or services on a subscription basis is an essential way to ensure a steady cash flow for many adult entertainment businesses. While almost all providers now offer recurring billing support with their payment gateways, features and costs will vary from one provider to the next. In particular, basic recurring billing support is now a standard feature with many popular payment gateways. However, some providers will charge extra for this service. You’ll also want to ensure that the recurring billing features your provider offers are adequate to meet the needs of your business.

How Do I Find The Best Adult Payment Processor?

Like any other business owners, merchants in the adult entertainment industry just want to know which adult merchant account provider is the best one on the market. Unfortunately, it’s not that simple. While all of the providers we’ve reviewed above can offer you dependable service at a fair cost, none of them are perfect. The best that you can hope for is to find the provider that’s the best fit for your business. This will take a lot of research and negotiating on your part, but we hope that this article will at least get you started in the right direction.

In addition to researching prospective providers, we also highly recommend that you obtain quotes from multiple vendors. Don’t just sign up with the first provider that offers to approve you for an account! Although high-risk payment processing will always be more expensive than what a comparable low-risk business will have to pay, you can still get a relatively good deal if you shop around.

For more information about starting up an adult entertainment business, you might also want to check out our articles on how to get a high-risk business loan and why you should be wary of being instantly approved for a high-risk merchant account.

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Frank Kehl

Frank Kehl

Senior Staff Writer at Merchant Maverick
Frank has been writing about payment processing and business services since 2015. He is a retired Air Force officer and a former practicing attorney. He has a Bachelor of Science degree in Psychology from The Pennsylvania State University and a Juris Doctorate degree from the Ventura College of Law, and currently resides in Paso Robles, California.
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