- Trusted by +500 companies
Online Payment Gateway Processor & High-Risk Merchant Accounts
They Fear Adult,
We Embrace It
Processor Challenges
Traditional processors like Stripe and PayPal reject adult businesses due to high risk, chargebacks, and strict compliance requirements.
High-Risk Industry Classification
Limited processor and bank support
Compliance & Legal Restrictions
Strict age and content rules
Chargebacks and Fraud
Above-average dispute rates
Banking Restrictions
Hard to open or keep accounts
Reputation Concerns for Acquirers
Brand risk for payment providers
Experts in Adult and High-Risk Merchant Processing
Adult and other high-risk industries face higher chargebacks and disputes, which is why experienced payment processing is crucial for long-term success.
Adult
Payment solutions built for bold, compliant growth for adult
Dating
Reliable dating payment processing that scales with your business
Porn
Powering porn platforms with stable, scalable payment support
Live Cam
Flexible, real-time solutions designed for cam platforms
Content Platforms
Support your creators with payout-ready, scalable payment processing
Escorting
Discreet, stable payment solutions for escort listing platforms
AI
Powering adult AI innovation with secure, scalable payment infrastructure
Strip Clubs
Seamless POS solutions built for the unique needs of strip clubs
Sex Shops
Scalable checkout solutions for adult retail, both online and in-store
Local Payment Methods
And more...
Frequently Asked Questions
Adult businesses face stricter regulations, higher chargeback rates, and limited banking options. Working with a high-risk payment expert ensures compliance, stability, and room to grow.
What types of adult businesses can get approved for high-risk payment processing?
Payment solutions are available for a wide range of adult businesses, including porn sites, live cam platforms, content subscription businesses (like OnlyFans), escort directories, sex shops (online and retail), adult dating, adult AI apps, and strip clubs.
Each has unique compliance needs, but approval is possible with the right provider.
Why do traditional payment processors reject adult merchants?
Mainstream providers like Stripe and PayPal often decline adult businesses due to reputational risks, high chargeback rates, and complex legal requirements.
These companies prefer to avoid industries classified as high-risk, regardless of how legitimate the business is.
Can adult businesses accept recurring payments or subscriptions?
Yes. With a high-risk processor experienced in adult verticals, subscription billing is fully supported.
This is essential for platforms offering memberships, fan access, or ongoing premium content. Proper billing descriptors and refund policies are key to minimizing disputes.
What documents are required to apply for adult payment processing?
Typically, you’ll need company KYC (ID, proof of address, incorporation docs), a functional and compliant website, age verification measures, and clear refund/terms policies. You can check here for more information.
Licensing is only needed if required by local law (e.g. some clubs or escort services).
How are chargebacks managed in the adult industry?
Adult businesses often see higher-than-average chargeback rates. The right processor helps reduce this through fraud filters, clear billing descriptors, strong refund policies, and optional chargeback alert systems.
Managing disputes well is essential for account longevity, which can be a costly effort, but very needed in order to keep all merchant accounts without harm and functioning.
Can I get a point-of-sale system for my strip club or adult store?
Yes. We have specialized POS systems tailored to the adult nightlife and retail environment. These support tipping, real-time reporting, mobile and discreet payments, and can be fully integrated with your payment processor.
Is discreet billing available for adult customers?
Yes. Most high-risk processors offer neutral billing descriptors to ensure privacy for customers. This reduces chargebacks and builds trust, especially in subscription-based or live service models.
How long does it take to get approved for adult payment processing?
Approval process usually takes between 2 to 3 weeks (Can take less if storefront), depending on how quickly you provide the required documents, your website’s compliance level, and the processor’s underwriting timeline.
Delays are common if responses are slow or additional checks are needed, especially for more complex adult verticals.
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