Adult Entertainment payment processing
Adult Entertainment Merchant Accounts
Adult merchants face the strictest card-brand rules of any industry. We help content platforms, membership sites and adult retailers get approved with banks registered for the category, and set up the compliance controls those banks expect.
Why it's high risk
Why banks label Adult Entertainment as high risk
Understanding how underwriters see your business is the first step to getting approved — and staying approved.
Card-brand registration
Mastercard and Visa require adult merchants to be registered and to follow specific content-control standards.
Content review
Platforms with user-generated content must show age and consent verification for every performer.
Friendly fraud
Discreet purchases lead to higher rates of disputed transactions.
Get approved faster
What you'll need to apply
Having these ready speeds up underwriting. Missing something? Apply anyway — your rep will help you fill the gaps.
- Content moderation and age/consent verification policies
- Website with terms, privacy and 2257 records custodian info
- Business formation documents
- Processing statements (if available)
- Government-issued ID for each owner (25%+)
- 3 months of business bank statements
FAQ
Adult Entertainment merchant account FAQ
Can adult websites get a merchant account?
Yes. Adult merchants can be approved with banks registered for the category, provided they meet card-brand content-control requirements.
Do you offer discreet billing descriptors?
Yes. We can set up a neutral descriptor so customer statements don't reveal the nature of the purchase, which also helps reduce disputes.
Do you approve adult toy and retail stores?
Yes. Adult retail is typically easier to approve than content and can often be placed with lower rates.
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