Adult Industry Credit Card Processing
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An adult merchant account is considered high risk due to regulatory considerations and chargeback rates across the industry. But credit card processing for these businesses has become more accessible as the adult industry has moved into the mainstream.

From adult novelty shops and escort services to lingerie and adult toy stores, the adult industry is diverse and expansive. Some products and services are limited by law in certain regions and may have different rules online vs offline. 

Keeping a healthy adult merchant account involves knowing the rules and regulations for your particular business as well as what products and services your processing account is designed for. Using a processing account for illegal or unapproved purposes will certainly lead to the termination of the account. 

Chargeback activity can also be problematic if not kept in check. Chargebacks may be a result of “friendly fraud” by customers who don’t want to admit to a charge from an adult-themed business on their credit card statement, to sincere disputes from customers who don’t receive a product ordered online. 

Appropriate strategies that can help keep chargeback ratios from getting out of hand include:

  • Strong descriptors that include a customer service phone number 
  • Easy to find contact information on the Website, receipt, and packing slips
  • A simple, easy to find return or refund policy 

Easy Pay Direct can help you get an adult merchant account and credit card processing services for your high risk business. Let us get you set up today.

Why is the Adult Entertainment Industry High Risk?

Several factors qualify the adult entertainment industry as high risk. This includes factors like:

Card-Not-Present Payments

Credit card transactions that happen when the physical card is not present are known as card-not-present payments. This includes any online transaction, as well as transactions made with a payment app such as Apple Wallet or Google Pay.

Card-not-present payments are very common in the adult entertainment industry as many transactions happen online where they can remain more anonymous. 

High Transaction Volume

Adult entertainment is very popular with many repeat customers. This can mean a high transaction volume, which is good news for the business. However, high transaction volume can also make it harder to keep up with instances of fraud. This may cause merchant accounts to shy away or slap extra fees or fines on your account. 

Increased Instances of Chargebacks

Chargebacks happen when a customer doesn’t recognize a charge on their card, or when the customer believes a charge is in error. Chargebacks are more common with products bought online where the customer may not recognize the description of the product. Chargebacks are also more common in some adult industries.

Stigma Surrounding Industry

Finally, many industries in the adult entertainment category are automatically labeled high risk due to the stigma surrounding these industries. While there is not much you can do to fight this prejudice, you can focus on running a business that is legally sound and offers a great customer experience and great customer support.

Excellent customer service and support also decrease instances of chargebacks. Customers who are pleased with their purchase are much less likely to dispute a charge. 

The Right Adult Merchant Account for You

The right adult merchant account will understand and be fully supportive of your business model, and give you the tools and resources you need to succeed. 

Some of the features you’ll want to look for in an adult merchant account are: 


Every merchant account charges a fee per transaction. This is typically a percentage of the transaction amount. 

Some merchant accounts offer variable rates, which can be cost-effective for companies with high transaction volumes. Variable rates mean you can get lower rates on some transactions which will save you money in the long run. 

Some accounts include hidden fees such as an early termination fee for example. Examine your policy closely before signing up to ensure you know what you’re getting into when it comes to fees.


Make sure your merchant account provider is PCI compliant, which means it has met all standards recommended by the Payment Card Industry. Your merchant account provider can also help you become PCI compliant as well, which is recommended for any business that uses credit cards.

Excellent Customer Service

For you to provide excellent customer service to your customers, you need the same from your merchant account provider! 24/7 customer service is extremely useful for online businesses that could have problems at any time. 

Reduce Chargebacks

Merchant accounts can reduce instances of chargebacks by providing a clear statement on a customer’s credit card bill. They can also reach out to dissatisfied customers and offer a refund or replacement before the chargeback hits the credit card company. These are both strategies an adult merchant account can employ with your account.

A Note on Payment Aggregators

Payment aggregators, also known as third-party payment processors, include companies such as Square, Stripe, and Paypal. 

Payment aggregators offer credit card services to small, medium, or even large-sized businesses. They are especially attractive to small or new businesses due to their simplicity and simple pricing structure.

However, many payment aggregators do not accept businesses in the adult entertainment industry. Read the fine print on any policy closely to ensure you are not in violation of their terms. 

The last thing you want is to have an account frozen or terminated due to violating terms and conditions. 

Adult Industry Credit Card Processing

high risk merchant accountsA merchant account is a specific type of bank account that allows merchants to accept payments. Typically, a merchant account is used for credit card processing and eCheck processing but can be used for a variety of payment processing needs. To get a merchant account, one must submit an application with a merchant account provider. These merchant account providers work with acquiring banks, such as Chase and Wells Fargo, to provide merchant accounts to businesses looking to process credit card payments. There are multiple types of merchant accounts depending on how the bank categorizes the industry of the merchant. If the merchant account is used for card not present (CNP) or ecommerce transactions then it must be integrated with an online payment gateway. Otherwise, a physical terminal is required to capture payment information.

Who Easy Pay Direct Works With

Easy Pay Direct works with all kinds of merchants, including, what the banks call, “high risk” merchants. These merchants happen to be in an industry that the banks label as high risk which means that they have a higher likelihood of chargebacks, disputes and fraud. The most common reason for this is card not present transactions which presents a higher risk of fraud. These merchants can have a particularly hard time finding a high risk merchant account because a lot of payment processors refuse to participate in high risk processing. Even if these merchants find a “high risk payment processor” they can still frequently deal with holds or freezes on their money and shut down merchant accounts. This is where Easy Pay Direct saves the day by finding them a high risk merchant account provider that wants to work with their business and providing them with all the resources to meet their high risk credit card processing needs.

What Easy Pay Direct Provides: Merchant Accounts

credit card merchant accountEasy Pay Direct provides merchant accounts specifically tailored to a merchant’s industry. We do this by leveraging our banking relationships to apply for merchant accounts on your behalf. However, we do not just apply for any merchant account, we use providers who want to work with your business model and underwrite their merchants. This is important because it lays out all the cards on the table and ensures that a provider gets to know who you are and your business model before working with you. That way they know what to expect moving forward. This strategy guarantees that we find a merchant account provider that wants to work with you, making the likelihood of holds, freezes and shut downs, much less and providing a stable credit card processing.

Another benefit to this is you get to avoid the nightmare that applying for merchant accounts can be. Not only do most merchant account providers do very little underwriting, but it can take many applications before you find a merchant account that is good for you. Each application that you send out hurts your chances of getting approved for the next because multiple applications make you look desperate to a provider which they perceive as high risk.

After your merchant account is set up

After we get you set up with your first merchant account, we recommend getting you an additional merchant account if you have over $250,000 in sales volume a year. This is to ensure stable payment processing. Even though Easy Pay Direct takes all the precautions to prevent you from experiencing a hold, freeze or shutdown, we can never know how banks might act in the future. If they hire someone new or implement a new algorithm, your account could have action taken against it. In the event of this, if you have a second merchant account that is already up, running and processing payments, you can pivot your revenue stream to this account and avoid holds, freezes, and shut downs all together.

Now all of this may seem complicated and a lot of work, and it would be if you were doing this on your own. However, if you are working with Easy Pay Direct, we manage all of this for you making your role in all of this very easy. We even assign you your very own Certified Payment Specialist (CPS), who will monitor your merchant accounts for you, giving you one point of contact for all of your merchant processing needs.

How to Get a Merchant Account

The first step on your path to a new merchant account is starting the Easy Pay Direct application or if you would rather chat with someone to find out more, call us at (800) 805-4949*. We can get you set up in as little as 2 DAYS!

*Hint: This is easier cause we can fill out your application for you!

Choose the right Merchant Account for your business:

The Easy Pay Direct Client experience

At Easy Pay Direct your journey will begin with your application which we use to collect information about you and your business to match you with the right merchant account provider. From there you will be connected with your very own New Client Specialist (NCS) who will help you complete this application and will be your contact to answer all of your questions.

Once we have the necessary information and have assessed your business model, you will be classified as a Gold, Platinum or Diamond merchant based on your unique payment processing needs. After this you will be introduced to your Certified Payment Specialist (CPS) who will be your one point of contact for all of your payment processing needs. This ensures that when you call, you are talking to someone that you know and who knows you and your business. They will apply for merchant accounts on your behalf and help you set up your new merchant accounts and your online payment gateway.

After that, you will be ready to start accepting payments. Your CPS will monitor your accounts and keep in contact whenever you want to chat or if they need to alert you of something that requires your attention on top of annual merchant account reviews.

Why Easy Pay Direct?

easy pay direct merchant accountWe pride ourselves on making your life easier and facilitating the growth of business across the globe. We have been doing this successfully for years and have helped countless businesses achieve their full potential, just check out some of our testimonials. More importantly, Easy Pay Direct would love to play it’s part in helping you achieve your goals and service your consumers smoothly. if you’re interested in working with us, you can start your EMAP  application below or call us at: (800) 805-4949 | Get Set-up with a Merchant Account »

  • Frank Kern Frank Kern

    “I am a very very happy client of Easy Pay Direct. Getting set up with them was really really simple and very very professional. I did not have to jump through a lot of hoops. The paperwork was done in a very organized fashion. Everybody was in touch with my team every single step of the way… I am very happy to recommend them to anybody under any circumstances”

    Check out Frank’s story here!

    Frank Kern Inc.
    Frank Kern
  • Heather Seitz Heather Seitz

    Thank you SO much for following up. It speaks volumes about how you guys do business over there for sure… 

    Emailability LLC
    Heather Seitz
  • Colin Egbert Colin Egbert

    “Besides getting us a great rate, they really helped us get our money released after we did a launch and had a bunch of money held. They are always quick to respond, always keeps us in the loop, and always shoot straight”
    Colin Egbert
  • Amzi Marsh Amzi Marsh

    “Easy Pay Direct is a user friendly system that when coupled with exceptional customer service – gives any business owner peace of mind. Big Thanks EPD!”

    Tu Accion En Vision
    Amzi Marsh
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