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How To Get An Adult Merchant Account

Michael Hollis

Are you an adult business owner? Are you on the lookout for a reliable and affordable adult merchant account? Just keep on reading this article and you’ll get answers to your questions.

Payment Processing for Your Adult Business

The adult entertainment industry is growing and turning into a more profitable industry. So, it’s no wonder that merchants take a big interest in this sector, hoping to become part of this quite lucrative market.

The internet has made everything easier and more convenient. Nowadays, users can pay for adult websites through their credit cards. Only, adult businesses are classified as high risk because of higher rates of chargebacks and disputes, so banks shy away from adult websites, adult toy and novelties, dating businesses, strip clubs, etc.

Many of the largest and well-known banks in the world don’t allow processors to underwrite for adult businesses. That’s why adult merchants start looking for options that will allow them to get approved for a merchant account so to process credit cards.

What about PayPal and others? Well, they don’t do any underwriting until you start accepting credit cards. Later, they’ll notify you they can’t work with adult merchants. Your money will be frozen for six months.

That’s where reputable merchant account providers come in. With a reliable and secure payment processor specializing in the high risk industry, you can open an adult merchant account without challenges. Remember that you’ll need to prove you’re operating legally.

Adult Merchant Account From First American Merchant

Why not turn to First American Merchant is a reputable payment processor and business funding provider that boasts an A+ rating with the BBB. FAM is a comprehensive and affordable adult merchant account provider.

First American Merchant specializes in high risk merchant accounts and has helped thousand of hard-to-approve businesses get the best for their business wants and needs. With FAM, you can be sure to get payment processing solutions tailored to your own business needs. offers payment solutions to all types of businesses that don’t engage in illegal activities. You’ll get your merchant account approved in as little as 24 hours. You can start processing credit cards once you get approval for your account.

First American Merchant works with various adult businesses such as:

  • Adult Toys and Novelties
  • Adult Bookstores
  • Adult Content Membership Sites
  • Online Lingerie and Adult Clothing Shops
  • Strip Clubs
  • Adult Massage Businesses
  • Escort Services

The application requirements are as follows:

  • A valid, government-issued ID (e.g., a driver’s license)
  • A bank letter or a pre-printed voided check
  • 3 months of the most recent bank statements
  • 3 months of the most recent processing statements (if applicable)
  • SSN (Social Security Number) or EIN (Employer Identification Number)
  • Chargebacks under 2%
  • Secure and working websites

You won’t be required to pay Any Application Fees. Also, No VISA/MasterCard will be required. Finally, you’ll enjoy the Most Competitive Rates in the industry and Secure Payment Gateways.

By the way, you can apply to get your credit card processing volume increased. For this, you should have at least three months of processing.

How to fight a chargeback?

The ability to combat chargebacks is of immense importance. Thankfully, First American Merchant has partnered with Verifi and its new Cardholder Dispute Resolution Network (CDRN), as well as with Ethoca’s alert system to provide an unmatched alert and prevention system for merchants.

As you see, there’s nothing difficult about adult payment processing if you work with the right processor. You can sign up for FAM’s high risk credit card processing services today and start accepting payments just tomorrow. The application takes just a few minutes. First American Merchant offers a full suite of payment processing options such as tangible and virtual terminals, and more. Just don’t forget to submit your identification and banking information. Quick and easy signing up is guaranteed.

Michael Hollis is a writer for First American Merchant, a business loan provider. You can follow First American Merchant on Twitter @1stamericanfund

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