HomeReviewsBestMerchant Accounts › Adult Credit Card Processors

Adult Merchant Accounts

Our Top Picks for The Best Adult Merchant Service Providers

  1. Easy Pay Direct
  2. Bank Associates Merchant Services - BAMS
  3. Dharma Merchant Services
  4. Helcim
  5. Mynt POS

1. Easy Pay Direct

This merchant account provider works with businesses of all sizes and types, including those that are considered to be high risk. Their clients include cannabis, adult, and travel businesses. Easy Pay Direct will take the time to get to know you and your business in order to cater to your needs correctly. EPD has serviced 60,000 merchant accounts through its platform. They will accept payments either online, in store, or on a mobile device.

2. Bank Associates Merchant Services - BAMS

A well-known national provider of merchant account services. BAMS offers a competitive price guarantee and works with standard and high risk businesses. 4.9 out of 5 clients report lower stress levels after working with BAMS. They can save your business money without having to sacrifice all of the tools and features you need for payment processing to run smoothly. BAMS offers a 5 step merchant account price comparison in order to guarantee you get the best prices to fit your budget.

3. Dharma Merchant Services

A merchant account provider that provides small, medium, and large businesses with competitive pricing and ethical business practices. This company does not require contracts and there are no hidden fees. Dharma provides you with fair terms and the tools you need to accept payments easily. Dharma believes the force of business can be used for good. They believe happy merchants make for a happy workplace.

4. Helcim

A payment processing company that offers transparent pricing with no monthly or hidden fees. This company provides exceptional customer service and free merchant accounts. Helcim offers a wide variety of payment tools and software to make it faster and easier for you to get paid. There are no monthly fees when working with helcim. You get the lowest interchange rate for each transaction with no hidden fees.

5. Mynt POS

Specializes in POS systems that include feature-rich software. All payment types are accepted and businesses receive training and customer support. Mynt has worked with quick service restaurants, retail stores, and even amusement attractions. Mynt's software provides you with smooth transaction processing. Every Mynt subscription comes with a lifetime warranty and free support.

If you run an adult entertainment business, you will benefit from providing your customers with a variety of payment options, such as credit, debit, online, and mobile. You'll need an adult merchant account if you want your customers to be able to pay you without using cash.

A merchant account, like a bank account, is used for cashless transactions. If you prefer to conduct business in person, it can provide you with the necessary equipment as well as an online payment gateway.

Unique Problems for Adult Entertainment Businesses

Unfortunately, many merchant account providers will not work with anyone in the adult entertainment industry. It's not as if these businesses aren't profitable.

You have the potential to earn a lot of money if you work in the adult entertainment industry. That is irrational. It is the nature of the goods sold that has a negative connotation and raises the possibility of fraud and payment disputes.

Adult entertainment generates a lot of money for a lot of businesses. Strip clubs, sex toy stores, pornographic websites, dating apps, bookstores, movie theaters, and magazine stores are among these businesses. As a result, adult entertainment is regarded as a high-risk industry by banks and credit card companies. Because of the nature of the goods sold, this is the case.

Many banks and merchant accounts avoid risky companies because they are concerned about their reputations. If you have obtained all necessary permissions and licenses for your business, it is safe and legal, as this ensures that it is legal. Despite this, certain banks and other financial institutions may continue to treat you unfavorably. Never give up on yourself.

In the adult industry, there are numerous respectable businesses that require merchant accounts. Fortunately, there are numerous merchant account providers who can help you.

What is an Adult Merchant Account?

A merchant account is required for any business that wishes to conduct transactions without the use of cash. ACH/check, credit, debit, online, mobile, or gift cards are examples of cashless transactions.

A merchant account provider can help businesses acquire the actual credit card processing equipment they need, such as a point-of-sale system, credit card processor, or virtual terminal. They may also assist you in establishing an online payment gateway.

Nowadays, accepting cashless payments is nearly impossible for any business to succeed, and this is especially true in the adult entertainment industry. If you provide a variety of payment options, customers will find it easier and faster to pay for your goods or services.

Customers must understand that their sensitive information is safe from hackers and other threats. A merchant account for adults can give you the security and peace of mind you need to feel safe and happy.

You may be denied a merchant account if your company is in the adult entertainment industry. This could be because your website is pornographic or your club is a strip joint. To obtain an adult merchant account, you may need to select a supplier who accepts difficult-to-pay firms.

Why Do I Need an Adult Merchant Account?

A merchant account provides numerous benefits, including the following:

Increased Convenience

Individuals can use a merchant account to pay for items in person or online, which is both simple and easy. Integrate your payment gateway into your website with the help of your merchant account provider. You could also consider offering your customers subscriptions, gift cards, or loyalty programs. All of this is possible thanks to a merchant account.

Security and Anonymity

Because of the way adult entertainment businesses operate, many people feel more secure buying pornography, sex toys, and other items online or in private. If you start accepting online and other cashless payments, your business will almost certainly grow exponentially.

An adult merchant account can provide you with one or more payment gateways, allowing you to accept online payments while protecting the data of your customers. Customers can also set up recurring payments and save their credit card information for faster checkouts using your online gateway. They can use your online payment gateway to do so.

Reduce Fraud and Chargebacks

The likelihood of fraud increases with each online or card-not-present purchase. Adult entertainment companies are also more likely to experience chargebacks, payment disputes, a high volume of transactions, and legal issues.

A merchant account can help reduce chargebacks by sending out clearly labeled e-receipts for each purchase. Customers can also notify the company of any costs with which they disagree, and the company can contact them to offer a refund or work something out.

Digital Trail

It makes no difference whether you pay by check, credit card, or the mobile app: When you deposit money into your merchant account, it is digitally recorded. Any return or chargeback will include a digital trial as well. This digital record makes it simple to resolve payment issues with your clients. When it comes time to file your taxes, the information can be easily imported into applications such as QuickBooks, greatly simplifying the process.

Offer Customer Incentives

A merchant account allows you to offer discounts and loyalty programs to your customers. You can also send them gift cards associated with an account. Client satisfaction, revenue, and repeat business can all benefit from this.

Types of Adult Merchant Account Providers

Any business can operate in one of two ways when it comes to merchant accounts. They can do so in two ways: by using a payment aggregator like Stripe, Square, or Paypal, or by opening a specialized merchant account with a merchant service provider. Individuals who work in the adult industry take a great deal of risk in order to make a great deal of money.

Individuals who run these types of businesses almost always look for a separate merchant account for them. There are numerous payment aggregators available, and while the majority of adult entertainment businesses will likely want their own merchant account, understanding how they work is critical in order to make the best choice for your business.

Payment Aggregators

When someone else pays for you, it is referred to as "third-party payment." A payment aggregator is a company that processes payments, such as Square or Stripe. When you sign up with a payment aggregator, you do not get your own merchant account, but they can help you find one. The merchant account is shared by several businesses rather than being exclusive to you.

Payment aggregators may be useful for certain high-risk businesses. They, on the other hand, despise dealing with chargebacks and payment issues. If your company receives a large number of chargebacks, a payment aggregator may freeze or terminate your account without giving you a chance to correct the situation. They do so to protect the interests of other businesses that rely on the same service.

Dedicated Merchant Account

Merchant account provider will open and activate a merchant account for your company. For example, merchant account providers offer increased security as well as additional benefits such as the ability to create personalized receipts.

As a result of improved security, customers' confidential information will be more secure. If you have a specialized merchant account, they will understand your business strategy and can even assist you in reducing chargebacks and payment disputes, which will save you money.

What’s the Difference Between a Payment Aggregator and a Dedicated Merchant Account?

While payment aggregators allow other businesses to use your merchant account, if you sign up for a dedicated merchant account, you will be able to keep your account separate from all other businesses' accounts. There are also other factors to consider.


While payment aggregators frequently charge a flat fee for all transactions, merchant accounts charge different rates for different types of transactions. A flat fee may be more cost effective than a variable charge for firms with few transactions. Variable rates may be advantageous to businesses that conduct a high volume of transactions.


Payment aggregators offer the same level of security as dedicated merchant accounts, but they have a lower tolerance for chargebacks and/or disputed charges. If there are too many chargebacks, the account may be frozen or closed due to the payment aggregator's obligation to protect the merchant account for other businesses.

Time to Approve the Account

New applicants for merchant accounts are typically processed within two to four business days. Payment aggregators, on the other hand, are typically accepted almost immediately. This is due to the fact that there is a single form for each business and they do not specifically inquire about your business model. While instant approval is convenient, it is well worth the time and effort to find a merchant account that fits your business model and is willing to work with your specific needs.

Tolerance of High Risk Businesses

Many payment processors refuse to work with adult entertainment businesses. Square is one of them. Before you apply for a merchant account, read the terms and conditions carefully.

How to Choose the Best Adult Merchant Account

When choosing an adult merchant account, keep the following in mind:

Accepting of High Risk Businesses

Many merchant account providers and payment aggregators avoid dealing with adult entertainment companies. Make sure to read the fine print to ensure that your company is covered.

You might want to consider working with a merchant account provider who has worked with adult entertainment businesses in the past. A suitable adult merchant account can help to significantly reduce fraud and chargebacks. This is more likely if they are acquainted with how your company operates.

Price Structure

Each transaction will be charged a fee, regardless of which merchant account you use. However, not all merchant accounts charge the same fees for extra services. Among the fees to keep an eye out for are the following:

  • Set-up fees
  • Statement fees
  • PCI compliance fees
  • Early termination fees

Check your contract to see if there are any hidden fees.

Customer Service

If you have a merchant account, you should be able to contact them for live customer service at any time. You never know when something will go wrong when you run an internet business. Ascertain that you can reach someone at any time of day or night.

Additional Tips and Considerations

Before you apply to any adult merchant account, consider the following tips:

Improve Your Credit Score

Pay all of your bills on time and make sure you don't owe anyone any money. Contacting credit card companies to confirm that you've made on-time payments will help them remove any negative marks from your credit report.

Be Transparent

Begin by outlining your business strategy. In this way, you can choose a merchant account provider who is interested in collaborating with you and assisting your business's growth.

When you run an adult entertainment business, things can get a little complicated. Individuals living in different states may be unable to complete the same task.

To obtain an adult merchant account, make certain that your company complies with all applicable local regulations and that you have all necessary licenses and licenses. Before applying for a merchant account, ensure that your legal framework is in order. This will greatly expedite the process.

Prepare for Your Application

You may be required to provide the following information in order to obtain a merchant account:

  • Details about your business model, including what you are selling
  • Financial history and current statements
  • Tax ID number
  • Any permits or licenses your business requires

Don’t Be Discouraged

Do not give up if you are denied a merchant account. You have a plethora of other options available to you. You will still face stigma if you run an adult entertainment business. There are, however, a plethora of merchant account providers who will work with you.

Consider all of the advice we've given you and make an effort to do better the next time. It doesn't matter if you've previously been denied an adult merchant account. You can still find one that is a good fit for your company.

Final Thoughts

This is a great time to start a new business, expand an existing one, or switch merchant account providers. The right merchant account provider can supply you with the tools and equipment you need to expand your business.

Your company's employees can process payments in person or online using a variety of cashless payment solutions. A merchant account can also be secure, protect you from fraud, and make it easier to issue refunds and replacements to customers, reducing chargebacks.

Because of the increased security and capacity to handle chargebacks, the majority of adult entertainment businesses will require a specialized merchant account. Pay close attention to payment aggregators and make sure you understand their policies regarding adult entertainment companies.

Here are our top picks for the best adult merchant account providers, once more:

  1. Easy Pay Direct
  2. Bank Associates Merchant Services (BAMS)
  3. Dharma Merchant Services
  4. Helcim
  5. Mynt POS

Merchant Accounts

© SERP  | As an Amazon Associate we earn commissions from qualifying purchases.
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram