Adult Merchant Accounts

Apply Online Now

Adult Merchant Accounts

If you are looking for an adult merchant account, you’ve come to the right place.  PaynetSecure provides adult merchant accounts for all products & services including digital content, downloads, entertainment sites, legal escort services, streaming video, webcams, online dating, toys, novelty items, travel, strip clubs, and more.

  • Low rates. Contact us today for a no-obligation rate comparison.  See how much money you can save on payment processing.
  • Fast approvals. Speed time to market.
  • Multiple payment methods. Accept debit & credit cards. Add echecks / ACH to get more sales from US buyers.  Add international payment methods to get more sales from global customers.
  • Take payments anyway you want. Integrate payments with your website.  Accept payments from cell phones.  Easily accept mail / phone (MOTO) orders.
  • Unlimited subscription billing plans customizable to meet the needs of your business. Convenient for customers.  Profitable to you.
  • PCI-DSS compliant adult merchant account payment gateway keeps your business & customers safe. Military grade data encryption protects sensitive data.
  • Automated fraud fighting tools help you identify good transactions while rejecting fraudulent ones.
  • Chargeback prevention services help you stop chargebacks before they occur. Chargeback mitigation services help you fight chargebacks you can win.
  • High volume adult payment processing is readily available, giving you the capacity to successfully operate and grow your business.
  • Get more than one adult merchant account to avoid dependency on a single acquiring bank.


Domestic Adult Payment Processing

Adult merchants are considered high risk by banks and processors.  The primary reason for a high risk classification is concerns over chargebacks and fraudulent transactions. 

Companies processing high volumes of transactions frequently establish multiple adult credit card processing accounts to mitigate the inherent risks of depending upon a single acquiring bank. 

US companies establish adult services merchant accounts in both the US and offshore.  The biggest advantages of US processing are higher approvals for US cards, lower rates and faster settlements compared to offshore merchant accounts. 

Offshore adult merchant accounts are a good option for businesses that have international customers.  Card approval rates are highest when the acquiring bank is in the same region as the customer. 


International Adult Services Merchant Accounts

Some international banks have more liberal underwriting policies for adult merchants than US acquirers.  And, international banks rarely place caps on volumes.  You can process as much volume as needed.

For companies with global customers, international merchant accounts are a wise addition to your processing strategy.  

  • Expand markets. Offshore adult credit card processing accounts give you the ability to accept payments from customers located anywhere in the world.  And include popular local payment methods used by buyers outside of the US.  
  • Multi-currency processing is a standard feature of all international adult services merchant accounts.  Displaying prices in local currencies is an easy way to increase sales and profits from global customers.
  • Business benefits. Some offshore jurisdictions offer incentives and tax benefits to encourage business development. 
  • Diversification of adult merchant accounts in different jurisdictions is the ultimate protection for your business operations. 


Get More US Sales with Echecks

Adding echecks as a payment method on your checkout page is a fast way to get more sales.  Merchants report sales lifts up to 20% simply by giving customers another way to pay.  Echecks get you sales from customers who do not have cards, are maxed out on cards or who simply prefer to pay you through a bank account rather than a card.

At checkout, customers enter their bank routing & account numbers rather than card info.  The funds are electronically debited from customers’ bank accounts and automatically credited to your business bank account.

Electronic checks are the most popular alternative payment method for US shoppers.  Millions of American regularly pay for goods & services with echecks.  If you are not accepting electronic checks on your checkout page, you are leaving money on the table. 


Applying for Your Adult Merchant Account

Applying for an adult credit card processing account is always free, with no obligation.  A dedicated account manager assists you through the application process to get your account approved quickly.

Many adult merchants have more than one account.  Load balancing through our adult payment gateway simplifies management while providing you with the processing capacity you need. 

Processing history showing a at least $50,000 per month is required to qualify for an adult merchant account.  No startups are accepted. 

US and international companies are welcome to apply. US accounts take 3-7 days for approval. International adult merchant accounts take 14-21 days.


Growth Opportunities for Adult Merchants

The adult entertainment industry continues to grow and offers substantial profitable opportunities for adult merchants.  The industry has become more mainstream due to the rapid growth of internet sites providing adult products & services.  It’s as easy to buy adult products & entertainment online as it is to purchase anything else. 

Society as a whole has changed over the last years, with far greater acceptance of adult entertainment.  The adult industry offers more options than ever before, packaged in affordable and easy-to-access formats to satisfy the seemingly endless desire for sexually oriented products & services. 

Despite the overall growth of the industry, adult merchants may can find it challenging to get the payment processing.  The industry is considered high risk because adult merchants have a statistically greater likelihood of chargebacks.  Additionally, only a few acquiring banks in the US accept adult merchants.  Many banks simply refuse to process for the industry, citing “reputational risk” as the reason. 

Still, in order for your business to thrive, smoothly functioning payment methods are vital.  There are excellent options for adult merchant accounts, giving you the opportunity to take advantage of the booming growth of the adult industry.


How Adult Merchants Reduce Chargebacks

Chargebacks are a fact of life for all merchants.  But adult merchants tend to have more due to the nature of the products & services being sold. Despite the increasing acceptance of adult entertainment & products in society, the situation within personal relationships can be different

What happens when one partner in a relationship enjoys adult entertainment online or orders adult products and the other does not know or does not approve?  Then the other partner sees the product or discovers the purchase on a credit card statement.

This type of situation is the perfect scenario for a chargeback.  The partner who bought the adult related service or product, denies making the purchase.  And calls the card issuing bank to initiate a dispute of the charge.

To avoid unnecessary chargebacks, some adult merchants use a more generic descriptor than one specifically related to adult products or services.  If the adult merchant choses to use a generic descriptor, it is important to inform buyers of how the purchase will appear on the card statement.  Prominently display what descriptor will appear on the statement.  And reinforce the information on receipts, order confirmations & emails.  Because if buyers do not recognize the name of a merchant on the card statement, it can also result in a chargeback.  Clear communication with buyers is the key to the success of generic descriptors being effective to reduce chargebacks.

Naturally, more traditional approaches to chargeback management are also valuable. Chargeback prevention services provide notice when buyers call their issuing banks to dispute a transaction.  This gives you time to initiate a refund prior to a chargeback occurs.  Chargeback mitigation services help you fight chargebacks once they occur.   And help you determine which chargebacks have the best chance of winning.   

Some adult merchants use 3D secure protocols while others do not.  3D protocols can shift responsibility for fraud away from adult merchants while providing an extra layer of security on card transactions.

Let Us Work for You

Your Success is Our Mission

Payments power profits. PaynetSecure specializes in high volume & high risk merchant services. Over the past 18 years, the company has successfully provided proven, reliable & secure payments processing to thousands of US & international businesses. Securely accept cards payments. Add alternative payment methods that drive more orders and accelerate sales. Access specialized processing solutions designed to increase your profits, while reducing risk. Discover top notch service, dedicated support, and devotion to your complete satisfaction. Contact us anytime for a free, no-obligation consultation. Your complete satisfaction is our goal. 


PaynetSecure is a one-stop-shop to fulfill all your payment processing needs.


High risk?  No problem. We love high risk merchants. 

Learn More >


Increase profits by expanding your customer base world-wide.

Learn More >


Highest security rating protects your processing & safeguards your business.

Learn More >


Customizable tools keep your business safe.

Learn More >

Want to see PaynetSecure in action?

See a Free Demo

Contact us at 888-5-PAYNET