Merchant Processing for Adult Industry

Moneybox can help secure a reliable adult merchant account for your business when many other processors are unwilling to cooperate.

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In contrast to conventional payment service providers, the Moneybox team specializes in supporting adult businesses. You’ll receive personalized assistance from a dedicated account manager who will guide you in selecting payment solutions that perfectly align with your business requirements. We will support you through every step of the setup process, ensuring your business establishes a user-friendly payment platform for both your employees and customers. Additionally, we can assist you in seamlessly integrating our payment solutions with your current software systems, including CRMs, accounting software, and more.

Accepting Payments for Your Adult Business

The adult industry includes various business types, and depending on your operation, you must offer your clients a comprehensive range of payment options. At Moneybox, we provide omnichannel payment solutions explicitly tailored for adult businesses.

Here’s a look at the payment methods we offer:

Online Payments
For online adult businesses, having reliable digital payment tools for credit card transactions is crucial. Moneybox provides specialized adult payment gateways that securely handle credit card transactions from customers around the globe. We make it easy to offer diverse payment options, including standard payments, subscription payments, and donation capabilities.

Retail Payments
If your adult business has a retail presence, you’ll need secure and convenient credit card payment solutions for your customers. At Moneybox, we offer various in-person payment tools, such as POS software and card readers, designed to accommodate adult businesses of all sizes—whether a pop-up shop or a large retail establishment.

Phone Payments
Accepting payments over the phone simplifies the purchasing process for customers who prefer not to visit a physical store. Our virtual terminals allow you to process credit card payments efficiently over the phone, improving convenience for your clients while ensuring they have privacy-focused options for discreet transactions.

Credit Card Processing Fees for Adult Businesses

On average, credit card processing fees range from 1.5% to 3.5%. Merchants’ exact fees can vary based on factors such as card brand, transaction type, and other elements. However, one less commonly known aspect influencing payment processing costs is the merchant’s specific industry. Adult businesses typically face higher-than-average credit card processing fees due to the high-risk nature of their industry. Additionally, many adult businesses must pay a fee to register as part of a high-risk sector.

At Moneybox, we aim to provide affordable credit card processing solutions tailored for adult businesses. Our deep understanding of the unique risks associated with the adult industry enables us to offer our partners cost-effective payment options.

We assist our clients in avoiding excessive fees and help them navigate the registration requirements imposed by payment networks like Visa and Mastercard. Reach out to us today to discover how our team can help your adult business save on all forms of payment processing!

Frequently Asked Questions

The adult industry is classified as high-risk for payment processors due to several factors, including legal and regulatory challenges, as well as a higher likelihood of chargebacks and fraudulent activity. The controversial nature of this sector often results in increased scrutiny from financial institutions and potential legal complications, making it a more precarious environment for processing transactions.

Adult businesses frequently face challenges when it comes to using traditional payment service providers (PSPs) due to industry stigma, legal restrictions, and elevated chargeback rates. Many mainstream payment processors implement stringent policies against adult content, which limits access to vital financial services for these businesses. Furthermore, it’s not only traditional PSPs that steer clear of the adult industry; many merchant account providers also choose to avoid working with these businesses entirely.

To enhance your chances of securing approval for adult payment processing, it’s essential to work with a high-risk merchant account provider. Many traditional merchant service providers either do not work with adult businesses or impose significantly stricter application requirements for this sector. By collaborating with a provider experienced in the adult industry, your business will have a greater likelihood of gaining approval.

Moneybox Merchant Services supports the following payment gateways Authorize.net, NMI , TSYS, and Firstpay.

What industries does Moneybox Merchant Services accept as clients? Moneybox specializes in mid-risk as well as specific high-risk industries (the terms “mid-risk” and “high risk” are used here from the perspective of the merchant services industry). We are proud to serve the following industries:

  • Accounting & Tax Prep
  • Adult
  • Airlines
  • Alcohol
  • Antiques & Collectibles
  • Apparel & Clothing
  • Automotive
  • B2B
  • Bad Credit
  • Bail Bonds
  • Bar & Restaurant
  • Cigars & Tobacco
  • Cleaning Service
  • Clothing & Apparel
  • Collectibles
  • Continuity / Subscription Products
  • Continuity-Subscription
  • Credit Monitoring
  • Debt Consolidation
  • Dental
  • Digital Downloads
  • Digital Streaming
  • Document Preparation
  • Drop Shipping
  • Ecommerce
  • Educational Seminars
  • Electronics
  • Events
  • Furniture & Home Furnishings
  • Guns & Firearms
  • Gyms, Fitness & Yoga
  • Hair & Beauty Salon
  • Health & Fitness
  • Healthcare
  • High Volume
  • Hotel & Hospitality
  • Hotels & Lodging
  • Hunting & Outdoor Equipment
  • Insurance
  • Insurance / Warranty
  • Jet Charter
  • Law Firms
  • Legal Services
  • Magazine Subscriptions
  • Medical Billing & Coding
  • Medical Supplies
  • Membership & Recurring Billing
  • MLM Companies
  • Moving Companies
  • Nonprofit
  • Nutraceuticals & Supplements
  • Online Dating
  • Pawnbrokers & Pawn Shops
  • Pet Products
  • Precious Metals
  • Property Management
  • Real Estate
  • SaaS Companies
  • Self Defense, Tasers & Stun Guns
  • Seminars & Coaching
  • SEO & SEM Services
  • Smoking Accessories
  • Survivalist & Tactical Gear
  • Taxes and Accounting
  • Tech Support
  • Telemedicine
  • Ticket Agencies
  • Tobacco & Cigar
  • Transportation & Moving
  • Travel & Timeshare
  • Travel Agency*
  • Utility
  • Vape / e-Cig / eJuice*
  • Veterinarians
  • Web Design Services

Please note, this is NOT a complete list; Moneybox Merchant Services Inc. serves hundreds of additional mid and low risk industries, too. We do not have a full list of industries we can work with, instead we keep a list of business that we currently can not support. See our FAQ page for more info. If the opportunity is right we will of course try to be considerate.

Sorry, we are unable to provide merchant services for foreign or offshore businesses, or any company that is headquartered, or operates, outside of the USA. We are also unable to provide merchant services for any business whose owner does not have a valid SSN and US issued identification (driver’s license, US passport, etc). That said we are working to fix this issue and should have a solution early 2025.

Yes, your startup or new business can be approved by Moneybox Merchant Services for a merchant account. We love startups! While newer businesses without processing history sometimes encounter hurdles when it comes to approval, Moneybox has helped many brand new businesses get their start in payment processing.

A high-risk merchant account is designed for businesses deemed as “high-risk.” These types of businesses have a greater likelihood of chargebacks, fraud, or other financial risk factors. High-risk businesses require such accounts to be able to accept credit and debit card payments.

Various industries are considered high-risk because of their inherent attributes. Some examples include CBD (Cannabidiol) products, e-cigarettes, vape products, stun guns, credit repair services, multi-level marketing, adult products/services, pawnshops, dietary supplements, SEO services, and tech support.

No central authority determines a business’s high-risk categorization. Every payment processor or bank sets its own standards, often based on internal risk management criteria. Providers assess businesses based on several detailed information bits to ascertain risk levels.

Factors contributing to a high-risk business include being a new business, having poor credit records or low credit scores, operating in controversial or highly regulated industries, relying heavily on international sales, and previous placements on the MATCH list by payment processors.

High-risk merchant accounts differ from regular accounts in several ways such as having a longer application process, higher payment processing fees, cash reserve requirements, volume caps in credit card processing, higher chargeback fees, and additional requirements based on the business type.

A high-risk business should ensure it maintains healthy cash levels, tries to reduce chargebacks, discloses all relevant information during the application process, keeps its financial documents ready, and adheres to the guidelines set by its payment processor.

A high-risk business can find a suitable merchant services provider by researching and listing down payment processors that cater to their industry. Businesses should consider factors like the processors’ experience in their industry, processing fees, equipment provided, customer support, experience with businesses in the same industry, and support for diverse payment methods.

Moneybox Merchant Services Inc. may not cater to all high-risk businesses (e.g. CBD merchants). It offers an upfront underwriting process that identifies risk factors early, saving the merchant time and potential costs. However, if Moneybox cannot service a particular business, they may recommend a processor better suited to your needs.

Best Processing & Support

“We conducted thorough research and compared different pricing options before settling on a new provider. After careful consideration, we chose Moneybox. We have been happy with the results for years since using their services. We interact with the product daily through their website, and most of the payments are automatically processed using Authorize.Net. We find Moneybox to be a reliable and efficient company.”
– Tom
Tom Bostic
Happy Customer

Fast Service, Unmatched Customer Service

“We changed our website and needed to get a new processor fast. Their prompt service and secure system are unmatched. We have been using their services for a while now and have never had any issues. In fact, they even require us to call them once a year to ensure our system is up to date. As our business continues to grow, we are excited to explore the many options that Moneybox has to offer, including a point-of-sale. They have been our go-to solution for everything, from terminal issues to website processing security. We couldn’t be happier with their exceptional service.”
Valmore Forgett
Happy Customer

Simply Amazing Technical Support

We were starting a new business and needed a reliable company to process our credit card payments. After some research, we found Host Merchant Services and began working with them in January 2021. The staff has been very helpful, and we’ve had positive experiences with both the Compliance team and technicians. We process payments in person using a terminal, and the service and machine have been excellent with no issues.
Tony and Sherry
Happy Customers

Consistent Communication

I had a wonderful experience with this company regarding high risk merchant services. Their consistent communication and daily updates regarding my application status during the approval process were greatly appreciated.
Christian
Happy Customer

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Discover hidden savings in your merchant account

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We will identify where the WASTED SPEND hides within your EXISTING merchant account.

We will present an overview of account and fee health and discuss whether significant savings can be achieved.

You are not obligated to purchase anything.

You do not pay us ANYTHING unless you elect to have Verisave implement cost reductions on your behalf.