Adult Merchant Accounts

Adult Merchant Accounts

Are you searching for a cost-efficient and smoothly effective adult merchant account?  You have landed in the right spot.  NationalACH provides adult merchant accounts for all products & services including entertainment sites, webcams, digital content, online dating sites, adult content downloads, legal escort services, streaming video, toys, novelty items, travel, strip clubs, and more.

  • Low Rates. Highly competitive rates combined with top-notch technology.  Contact us today for your free, no-obligation rate comparison. 
  • Fast Approvals. Rapid adult merchant account approvals so you get more orders quicker. 
  • Multiple Payment Methods. Easily accept debit & credit cards. Add echecks to boost orders US customers.  Add international payment methods to increase sales from customers world-wide.
  • Take Payments through All Channels. Integrate payments with your website and mobile apps.  Accept payments from mobile devices.  Easily process mail / phone (MOTO) orders through virtual terminals.
  • Unlimited Subscription Billing Plans. Great for recurring billing.  Convenient for customers.  Profitable to you.
  • Adult Merchant Account Payment Gateway. Secure, compliant processing keeps your business & customers safe.  Military grade encryption protects sensitive payment data.
  • Automated Fraud Fighting Weapons. Quickly accept good transactions while rejecting fraudulent ones.
  • Chargeback Prevention Services. Tools to help stop chargebacks before they occur. And fight chargebacks you can win.
  • High Volume Adult Merchant Accounts. Get the processing capacity you need to manage and grow your business.
  • Extensive Banking Network. Mitigate processing risk and avoid dependency on a single acquiring bank.


Domestic Adult Payment Processing

Adult merchants are considered high risk by banks and processors.  The main reason the adult industry is classified as high risk is concerns about chargebacks and fraudulent transactions.  And even if your chargebacks are low, some banks cite “reputation risk” as a reason to not accept adult merchants for processing.

Companies processing high volumes of transactions often set up more than one adult merchant account to mitigate the risks of depending upon a single acquiring bank for all processing. 

Our extensive network of acquiring banks lets you diversify processing among multiple banks to mitigate risk.   And give you access to high volume processing capacity so you grow your business without worries about caps on monthly volume. 

US adult merchants usually establish payment processing accounts in the United States rather than offshore. The biggest advantages of using a US acquiring bank to process payments for adult merchants 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. 

Some adult merchants have both US and international customers, The best strategy for this situation is to establish adult merchant accounts with US acquiring banks and international banks located within your targeted international markets.  


International Adult Services Merchant Accounts

International banks often 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 good addition to get more approvals from customers paying with cards issued by international banks.  

  • Expand Markets. Offshore adult credit card processing accounts let you take payments from customers located throughout the world.  And include popular “in-country” alternative payment methods used by international customers.  
  • Multi-Currency Payments. Keep visitors to your site focused on making a purchase.  Multi-currency payments are a standard feature of all international adult services merchant accounts.  Displaying prices in local currencies is an fastest way to increase orders and profits from global customers.
  • Business Benefits. Some offshore jurisdictions offer incentives and tax benefits to encourage business development. 
  • Diversify Adult Merchant Accounts. Establishing multiple accounts in different jurisdictions is the ultimate protection for payment processing. 


How Electronic Checks Boost Sales

Adding echecks as another payment method on your checkout page is a fast way to get more sales.  Merchants report sales lifts up to 20% simply by offering customers another way to pay. 

Echecks are proven method of increasing 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, buyers provide bank routing & account numbers rather than card info.  Payments 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 American consumers.  Millions of US shoppers regularly pay for goods & services with echecks.  If you are not offering echecks on your checkout page, you are leaving money on the table. 

Electronic checks are also more effective for recurring billing than cards.  More than 20% of debit and credit cards are reissued every year.  Updating card data is time-consuming and expensive.  And you may not be able to get the updated payment info regardless of how hard you try.

Bank accounts rarely change.  Therefore, payments made via echecks are far more stable than card payments because payment data does not need to be updated.  Recurring payments continue uninterrupted, increasing your bottom-line profits.


Applying for Your Adult Merchant Account

Applying for an adult credit card processing account is always free with no obligation.  Many adult merchants have more than one account.  Load balancing through our adult payment gateway simplifies management, mitigate processing risk and ensure you have the processing capacity you need to grow your business. 

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

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


Growth Opportunities for Adult Merchants

The adult entertainment industry continues to expand and presents substantial profitable opportunities for adult merchants.  The adult industry is more mainstream than ever before due to the rapid growth of internet sites providing adult products & services.  Buying adult products & services online is as simple as purchasing anything else. 

Society has changed over the last decade.  There is now far greater acceptance of adult entertainment and products.  The adult industry offers more options than ever before.  Packaged in affordable and easy-to-access formats, adult merchants satisfy the seemingly endless desire for sexually oriented products & services. 

Despite the overall growth of the industry, adult merchants still can find it challenging to obtain payment processing accounts.  The industry is classified high risk because adult merchants have a statistically greater likelihood of chargebacks.  And, only a few acquiring banks in the US accept adult merchants which means less choice for adult merchants. 

Still, for your business to thrive, smoothly operating payment processing is vital.  Take advantage of our excellent solutions with highly competitive rates.  Our adult merchant accounts support your business growth and provide 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.  Yet 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?  The other partner sees the product or discovers the purchase on a credit card statement.

This type of situation is the perfect setup 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, claiming the payment was not authorized.

To avoid this type of scenario as well as to protect the privacy of the buyer, some adult merchants use a generic descriptor rather than one specifically related to adult products or services. 

When an adult merchant uses a generic descriptor, it is important to inform buyers of how the purchase will appear on the card statement.  Prominently display the descriptor will appear on the statement on the checkout page.  And reinforce the information on receipts, order confirmations & emails. 

When if buyers do not recognize the name of a merchant on the card statement, it can result in a chargeback.  Clear communication is the key to the success of using generic descriptors to reduce chargebacks.

Naturally, more traditional approaches to chargeback management are also valuable. Chargeback prevention services notify adult merchants when buyers call their issuing banks to dispute a transaction. This gives time to initiate a refund prior to a dipute turning into a chargeback. 

Chargeback mitigation services assist you fight chargebacks when they occur.  Fighting chargebacks can be time intensive because the chargeback process is comples.  Therefore, many adult merchants benefit from services that fight and win chargebacks for you.   

Also consider implementing 3D Secure protocols offered by the card brands.  These services are much improved from previous versions,   3D Secure helps shift responsibility for fraud away from adult merchants while providing an extra layer of security on card transactions.


Why Choose NationalACH for Your Adult Merchant Account?

Put our experience to work for you.  Accounts are approved fast.  Rates are highly competitive, and we will beat your current rates. 

  • Easy Application.  Free application without obligation.
  • Extensive Banking Network.  Ensures account approval for your adult merchant account.
  • High Volume Adult Merchant Accounts. Get the processing capacity you need to manage & grow your business..
  • Ecommerce Made Simple.  Accept payments on your website or mobile apps with an easy-to-install API.
  • Unlimited Virtual Terminals.  Quickly process for MOTO transactions.
  • Level 1 PCI-DSS Adult Merchant Gateway.  Fully compliant processing safeguards your business and protects your customers.
  • Fraud-Fighting Weapons.  Extensive array of fraud fighting tools customizable to meet changing market conditions.
  • Chargeback Prevention and Management Services.  Offload responsibility for chargebacks & spend more time managing your business.
  • Superior Service.  Highly trained account representatives give you the help you need when you need it. 

Let Us Work for You

Your Success is Our Mission

At National ACH, we’ve done our homework on payments. Use our expertise to get the payment processing capacity you need to manage & grow your business. Our “niche” market is high risk & high volume payment processing. Yet, standard risk merchants also benefit from our services. We are always happy to talk with you, with no obligation. Discover top notch service along with the iron-clad secure processing solutions you are looking for. Payments power your business success.


National ACH is a one-stop-shop for all your merchant service needs.

Debit Credit Card Processing

High Volume US & International merchant accounts

Learn More >

ACH Processing

Auto debits your customers’ bank accounts.  Electronically settles funds  to you

Learn More >

Same Day ACH Credits

Money sent today is received today

Learn More >

Echecks Processing

More flexible than ACH for high risk merchants

Learn More >

Want to see NationalACH in action?

See a Free Demo

Contact us at 855-562-ACH2