Merchant Accounts For Adult Businesses

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Adult Merchant Accounts

Card processing for adult merchants does not have to be expensive.  Many merchant account providers charge exorbitant rates and take advantage of companies that are in the high risk processing category.  Often these are vendors that are looking for a “quick buck” and don’t have your best interests at heart.

Any adult merchant that is processing significant volumes per month can obtain processing at favorable rates.  High volume adult merchants are also wise to consider diversification of accounts and have a minimum of 2 accounts, if not more.

Merchant accounts for online adult entertainment can be established both in the US and through international acquiring banks.  Some merchants have accounts in more than one jurisdiction to take advantage of business opportunities in different parts of the world.

Alternative Payments Increase Sales

Card payments are the still the main way that US customers pay through adult sites.  However, adding echecks to your checkout page is one of the easiest ways to increase sales from US customers.

Echecks let you capture sales from buyers that do not have cards, are maxed out on cards, or who simply prefer to pay with a debit from a bank account.  Echecks give you a way to rescue a sale if a card is declined.

Internationally, alternative payments such as bank transfers are important to have on the checkout page.  For example, throughout Western Europe, bank transfers are the preferred method of making purchases online.

Naturally, as you expand your markets globally, make sure your sites display prices in local currency.  Keep your customers focused on making a purchase, not thinking about what a displayed currency convert to in local currency.  Every step your customer has to take to make a purchase increases the likelihood of shopping cart abandonment.

Money to be Made in Online Adult Entertainment

Over 30% of internet traffic is porn According to Arbitrage Magazine

  • 40 million people in the U.S. watch porn regularly
  • Every second, there are 28,258 internet users watching porn
  • 2.5 billion emails per day are pornographic
  • 25% of all search engine requests are porn related, which translates to 68 million a day
  • 35% of all internet downloads are pornographic

Although access to free porn has become routine, there is still a big market for fresh content.  There is still a lot of money to be made by technically innovative adult entertainment companies who can satisfy market demand.

Streaming video on demand will be a big part of future growth.  As will the integration of porn within online games. As technology becomes more advanced, with holographics becoming mainstream, viewing porn will become ever more like the “real experience”.


Adult entertainment is popular for consumers in the US and throughout the world. 

Adult merchant accounts give you the ability to accept echecks and card payments from millions of customers who regularly visit adult entertainment sites.  Accept one-time or recurring payments from your customers.

Subscription billing and recurring billing are commonly used by adult merchants, making it easy for customers to access new content on a regular basis.  The search for more exciting sexual entertainment never ends.  Make it easy and convenient for customers to pay you.  

Are you an adult merchant interested in increasing your sales & profits?  

Contact today.


Building Recurring Billing Revenue

Recurring billing improves your profitability and cash flow by automating the payment process.  Flexible recurring billing plans increase consumer satisfaction by making payments easy and convenient.

Recurring payments are commonly used for services and subscriptions.  Among the fastest growing industries for recurring billing are SaaS providers and cloud computing, with growth predictions of $160 billion, including $95 billion in business and productivity applications.

Recurring billing models can be based on time intervals such monthly, weekly, daily or hourly.  Or be based on how much a service is used.

Recurring Billing Benefits

  • Stabilize of cash flow and safeguard income
  • Increase sales and expand lifetime value of consumers
  • Recover potential lost revenue quickly and automatically
  • Decrease operating expenses
  • Control process flow automatically to boost productivity
  • Retain customers by eliminating unnecessary opportunity to cancel service
  • Increase consumer satisfaction by maintaining continuity of service

Recurring Billing Payment Processing Security

Recurring billing uses tokens rather than card data for recurring payments. Cardholder data is encrypted and a token is assigned to the transaction. Recurring payments are processed using tokens.

Encrypted tokens for recurring billing keep you safe by eliminating the need to store card information on your systems.  The burden of cardholder security for recurring payments passes from you to the payment processor.  And helps you maintain compliance with payment processing security standards.

Automated Updates for Recurring Payments

It’s not unusual for 5-12% recurring billing transactions to be declined during each recurring payment cycle. Every declined transactions means potential lost revenue.

Technology is now available that converts up to 70% declined recurring billing transactions into authorized recurring payments.  When a recurring payment is declined, the transaction is sent to the issuing bank which automatically updates the card.  Updates include expiration dates, card numbers and account closures.

The recurring billing transaction is then automatically resubmitted for authorization and payment.  Once the recurring payment is complete, the money for the recurring billing flows to the merchant.

Automatically updating recurring billing transactions maintains cash flow, reduces operating expenses, and increases customer satisfaction.   Recurring payment revenues are protected, subscription billing periods are extended, service continuity is maintained and account reconciliation is simplified.


Recurring billing automates the payment process.  Making it convenient for customers to pay you on an on-going basis. And providing predictable revenue streams to you.

Recurring payments stabilizes cash flow.  Yet, proper management of recurring billing transactions is important to protect revenue leakage.   Automated tools are available for high volume merchants who want to protect revenues from recurring billing without manual intervention. 

Do you want to increase profits from recurring payments?

Contact today.

Recurring Billing for Cloud & SaaS Providers

Cloud and SaaS providers are among the fastest growing ecommerce companies. Special payment processing solutions are required to protect income and stop revenue leakage.

Because the services are acquired on a recurring basis, Cloud and SaaS providers need to have sophisticated subscription billing models in place.  Cards are commonly used for recurring payments.

The ability to automatically update payment card data and protect revenues is vital to protect recurring billing income.  The Account Updater Service is offered only by a select few payment processors.

Stabilizing Cash Flow

The importance of updating payment data automatically cannot be underestimated.  During each recurring billing period, a significant number of cards on file are declined.

Javelin Research reports 28% of consumers got a replacement card in the last year.  The most common reasons for issuing replacement cards are expired dates, security breaches, or card upgrades.

Account updater reduces the expense of dealing with declined card transactions.  And protects expected income revenue streams.

When a decline occurs, updated card information is acquired from the issuing bank and the file is resubmitted.  As many as 75% of the previously declined transactions turn into approved payments.

Revenues are rescued and recurring payment income is protected.  All without the need for manual intervention.

Without account updater, a merchant has to contact the customer by phone or email to request updated card information.  This is inefficient, expensive, and increases the risk of cancellation of the service.

What are Cloud Computing / SaaS?

Cloud computing is a general term used to describe delivering hosted services over the Internet. Services are divided into three categories: Infrastructure-as-a-Service (IaaS), Platform-as-a-Service (PaaS) and Software-as-a-Service (SaaS).

Software as a Service (SaaS) includes applications such as office suites, digital content creation, business intelligence applications, and customer relationship management (CRM). CRM is predicted to be the largest revenue generator world-wide, with a predicted 15.1% CAGR by 2016.

The US represents the largest global market for cloud providers.  Canada, UK and Ireland are good targeted international markets.


Recurring billing models are integral to cloud computing & SasS provider business models.  Customers enjoy the convenience and lower cost of recurring payments.  And businesses can count on predictable income.  

Every year 20% of card are reissued.  Requiring updated card information for approval of recurring payments.  

To save time and money, high volume merchants use automated payment processing technology to update payments without the need for manual intervention.  As a result, recurring payment transactions are approved.  And revenue streams are protected.  

Are you a Cloud Computing or SaaS Provider who wants to protect your recurring billing revenues?