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Adult

The adult industry is a massive global market, generating billions of dollars in annual revenue. However, for many entrepreneurs, the biggest hurdle isn't finding customers—it's finding a high-risk merchant account for an adult business that won't be frozen or terminated without warning.

Best Providers in Adult

MIDs - logo

MIDs

  • Credit Card and Local Payments
  • Multiple Options Worldwide
  • High Volume Specialized Services
Read reviewWebsite
Durango Merchant Services - logo

Durango Merchant Services

  • A+ BBB rating
  • No setup/application fees
  • No early termination fees
Read reviewWebsite

Use MAC to match with the right high-risk merchant service provider in a few simple steps.

Are you already processing credit card payments?

No, I'm completely new to credit card processing.Yes, but we're looking at other options.

Why the Adult Industry is Classified as High-Risk

While mainstream banks often prefer stable, low-dispute retail sectors, the adult industry faces unique challenges that lead to a "high-risk" designation. This classification is primarily due to three factors:

  • Industry Regulations and Stigma: Many conventional banks view adult content as taboo or controversial. To avoid "reputational risk," these institutions often choose to deny service to the industry entirely, regardless of the business's legality or profitability.
  • High Chargeback Rates: The adult sector is frequently a victim of "friendly fraud." This occurs when a customer makes a legitimate purchase—such as a streaming subscription or novelty item—but later disputes the charge due to buyer's remorse or a desire to hide the transaction from a partner or family member.
  • Strict Compliance Requirements: Adult businesses must navigate a complex web of regulations, including mandatory age verification and content record-keeping. Failure to meet these standards can result in heavy legal penalties and immediate loss of processing capabilities.

Specialized Solutions for Adult Merchants

Whether you operate a streaming platform, subscription service, escort agency, or novelty shop, you need a processor that understands your business model. Specialized high-risk providers offer essential features like discreet billing descriptors to protect customer privacy and advanced chargeback mitigation tools to protect your bottom line.

Secure Your Revenue with MAC

Don't let the "high-risk" label slow your growth. MAC has identified elite merchant service providers who specialize in the adult industry, offering higher approval rates and lower fees.

Use our comparison tool to start the process of securing your merchant account—it's quicker than the time it takes to read this paragraph!