Adult Merchant Account
If you’re having trouble getting merchant services for your adult business, our team at O3 Merchant Services is here to help with:
Streamlined Processing, Secure Transactions, Expert Account Management, Immediate Fund Availability, Varied Payment Methods, User-Friendly Payment Choices
How to Secure Adult Payment Processing
In contrast to conventional payment service providers, the O3 Merchant Services team offers direct support for adult businesses. A designated account manager will assist you in selecting the most suitable payment solutions for your business requirements. We’ll guide you through each step of the setup process to ensure the establishment of a convenient payment platform for both your staff and customers. Additionally, we can aid in integrating our payment solutions with your current software, including CRMs, accounting programs, and more. No technical expertise is necessary to reap the benefits of partnering with O3 Merchant!
Upon submission of your application, you will be directed to a brief online form. We will inquire about your business, its scale, your payment requirements, and other pertinent details. Following the receipt of your information, we will review your application, and a member of our adult payment processing team will reach out to your business.
Get started with O3 Merchant Services
Types of Adult Businesses We Support
Toys and Novelties, Lubricants and Lotions
Sex Education Courses
Online Dating
Streaming Services
Adult Video Games
Phone Sex Operators
Adult Photography
Fetish Items
Adult Content Creators
Lingerie
Much more!
The adult industry comprises various types of businesses, each with its unique operations. Regardless of your business model, it is essential to offer a comprehensive range of payment options to your clients. At O3 Merchant Services, we offer omnichannel solutions tailored for the adult industry.
Now, let's delve into the array of payment methods offered by O3 Merchant:
Online
Digital payment tools are essential for online adult businesses to facilitate credit card transactions. At O3 Merchant Services, we provide adult payment gateways specifically designed to securely process credit card transactions from customers globally. Our solutions simplify the process of offering various payment options to your customers, including standard payments, subscription payments, and donation options!
Retail
Retail locations catering to adult businesses necessitate convenient and secure credit card payment options for their clientele. At O3 Merchant Services, we provide a variety of in-person payment tools, encompassing POS software and card readers. Our payment solutions cater to adult businesses of all sizes, accommodating establishments ranging from pop-up stores to large-scale retail operations.
Over the Phone
Phone-based payments offer a convenient option for customers to make adult purchases without the need to visit a physical store. Our virtual terminals empower your business to seamlessly accept credit card payments over the phone. This not only enhances convenience for your customers but also provides privacy-focused payment solutions for clients seeking discretion.
The typical credit card processing fees typically range between 1.5% and 3.5%. However, the amount merchants pay varies based on factors such as the card brand, transaction type, and other variables. One less-discussed aspect of payment processing pricing is the merchant's industry. Due to the high-risk nature of the sector, adult businesses incur higher-than-average credit card processing fees. Additionally, many adult businesses are required to pay a registration fee (e.g., $500 to Mastercard) to classify within the high-risk industry.
At O3 Merchant Services, our objective is to offer affordable credit card processing solutions to adult businesses. Leveraging our in-depth understanding of the risks associated with the adult industry, we provide our partners with cost-effective payment solutions. We assist our clients in avoiding excessive fees and guide them through the registration requirements set by payment stakeholders like Visa and Mastercard. Get in touch with us today to explore how our team can help your adult business save money on various types of payment processing!
At O3 Merchant Services, our focus is on simplifying the application process for adult payment processing to ensure your business can start accepting payments promptly. Providing the following details before applying for a merchant account will expedite the approval process:
- Government-issued photo identification
- Signed merchant application
- Voided check or bank letter
- Three months of bank statements
- Three months of processing statements
- Information regarding your adult business (and its products or services)
In addition to the aforementioned documents, it's essential to have a website secured with an SSL certificate, utilizing HTTPS, and featuring the following:
- Your company's legal name and logo
- Contact details (phone number or email)
- Privacy Policy page
- Terms & Conditions page
- Footer with the company name
- Return and Refund Policy page
There are numerous incentives for selecting O3 Merchant to handle credit card transactions for your adult business. Let's delve into some of the advantages provided by our payment solutions:
Adult payment gateway
Our specialized adult payment gateways are crafted to enhance the profitability of online adult businesses. With secure payment gateways in place, we enable you to unlock payment options tailored to your unique products and services. Whether you aim to provide subscriptions for generating recurring revenue or discounts to incentivize loyal customers, our adult payment gateways are here to assist you!
Chargeback protection
Chargebacks pose a substantial risk to businesses within the adult industry. While they lead to revenue loss for your adult business, the ramifications can be even more severe. Excessive chargebacks might culminate in lawsuits from card issuers and a complete cessation of access to credit card payments. At O3 Merchant Services, we deploy advanced chargeback prevention tools to protect our clients from chargebacks and aid them in effectively challenging instances of "friendly fraud."
Fraud prevention tools
Fraud prevention takes precedence in all our payment products at PaymentCloud. Our solutions employ sophisticated fraud detection tools to identify suspicious transactions before payments are completed. Given the adult industry's susceptibility to various credit card scams, it's crucial to collaborate with a payment processor equipped to combat threats posed by online fraudsters!
At O3 Merchant, we assist our partners with adult merchant accounts in harnessing cutting-edge payment and business management technology worldwide. We recognize that third-party integrations enable businesses to access additional features and functionality. Our in-house team is adept at integrating your adult merchant account or payment gateway with various external tools. Our roster of integration partners encompasses CRMs, accounting platforms, loyalty programs, external hardware providers, and more. Contact us today to explore how you can elevate your adult payment platform to new heights!
Frequently Asked Questions
Payment processors view the adult industry as high-risk due to legal complexities, regulatory obstacles, and the susceptibility to chargebacks and fraud. The controversial nature of the industry invites heightened scrutiny and potential legal entanglements, rendering it riskier for financial institutions.
To initiate an application for an adult merchant account, navigate to the top of this page and click on the green “Apply” button. Subsequently, our online application will prompt a series of inquiries to gain a comprehensive understanding of your business and its payment processing requirements. Following the completion of our online application, our team will promptly review your information and reach out to you for any additional details needed. Ensure you have the following information readily available before applying for an adult merchant account:
- Government-issued photo identification
- Signed merchant application
- Voided check or bank letter
- Three months of bank statements
- Three months of processing statements
- Information regarding your adult business (and its products and services)
Collaborating with a provider specializing in high-risk merchant accounts is essential to enhance your approval prospects for adult payment processing. Numerous conventional merchant service providers either refrain from affiliating with adult businesses or impose significantly stricter application criteria for the adult industry. By aligning with a merchant account provider boasting expertise in the adult sector, your business enhances its likelihood of approval.
Due to industry stigma, legal limitations, and elevated chargeback rates, adult businesses frequently encounter challenges when attempting to utilize traditional payment service providers (PSPs). Numerous mainstream payment processors enforce stringent policies against adult content, posing obstacles for these businesses in accessing fundamental financial services. Moreover, it’s not solely traditional PSPs that prove unsuitable for adult businesses—many merchant account providers also steer clear of the industry entirely.
NEED A MERCHANT ACCOUNT?
Get started with O3 Merchant Services
Fill out this form and a merchant services representative will be in touch!
