Adult Streaming and Toys products Merchant Accounts


If you are looking for an adult merchant account, you’ve come to the right place.  eDataPay provides adult merchant accounts for all products & services including digital content, downloads, entertainment sites, legal escort services, streaming video, webcams, online dating, toys, novelty items, travel, strip clubs, and more.


Domestic Adult Payment Processing

Adult merchants are considered high risk by banks and processors.  The primary reason for a high risk classification is concerns over chargebacks and fraudulent transactions.

Companies processing high volumes of transactions frequently establish multiple adult credit card processing accounts to mitigate the inherent risks of depending upon a single acquiring bank.

US companies establish adult services merchant accounts in both the US and offshore.  The biggest advantages of US processing are higher approvals for US cards, lower rates and faster settlements compared to offshore merchant accounts.

Offshore adult merchant accounts are a good option for businesses that have international customers.  Card approval rates are highest when the acquiring bank is in the same region as the customer.

International Adult Services Merchant Accounts

Some international banks have more liberal underwriting policies for adult merchants than US acquirers.  And, international banks rarely place caps on volumes.  You can process as much volume as needed.

For companies with global customers, international merchant accounts are a wise addition to your processing strategy.


Get More US Sales with Echecks

Adding echecks as a payment method on your checkout page is a fast way to get more sales.  Merchants report sales lifts up to 20% simply by giving customers another way to pay.  Echecks get you sales from customers who do not have cards, are maxed out on cards or who simply prefer to pay you through a bank account rather than a card.

At checkout, customers enter their bank routing & account numbers rather than card info.  The funds are electronically debited from customers’ bank accounts and automatically credited to your business bank account.

Electronic checks are the most popular alternative payment method for US shoppers.  Millions of American regularly pay for goods & services with echecks.  If you are not accepting electronic checks on your checkout page, you are leaving money on the table.


Applying for Your Adult Merchant Account

Applying for an adult credit card processing account is always free, with no obligation.  A dedicated account manager assists you through the application process to get your account approved quickly.

Many adult merchants have more than one account.  Load balancing through our adult payment gateway simplifies management while providing you with the processing capacity you need.

Processing history showing a at least $50,000 per month is required to qualify for an adult merchant account.  No startups are accepted.

US and international companies are welcome to apply. US accounts take 3-7 days for approval. International adult merchant accounts take 14-21 days.


Growth Opportunities for Adult Merchants

The adult entertainment industry continues to grow and offers substantial profitable opportunities for adult merchants.  The industry has become more mainstream due to the rapid growth of internet sites providing adult products & services.  It’s as easy to buy adult products & entertainment online as it is to purchase anything else.

Society as a whole has changed over the last years, with far greater acceptance of adult entertainment.  The adult industry offers more options than ever before, packaged in affordable and easy-to-access formats to satisfy the seemingly endless desire for sexually oriented products & services.

Despite the overall growth of the industry, adult merchants may can find it challenging to get the payment processing.  The industry is considered high risk because adult merchants have a statistically greater likelihood of chargebacks.  Additionally, only a few acquiring banks in the US accept adult merchants.  Many banks simply refuse to process for the industry, citing “reputational risk” as the reason.

Still, in order for your business to thrive, smoothly functioning payment methods are vital.  There are excellent options for adult merchant accounts, giving you the opportunity to take advantage of the booming growth of the adult industry.


How Adult Merchants Reduce Chargebacks

Chargebacks are a fact of life for all merchants.  But adult merchants tend to have more due to the nature of the products & services being sold. Despite the increasing acceptance of adult entertainment & products in society, the situation within personal relationships can be different

What happens when one partner in a relationship enjoys adult entertainment online or orders adult products and the other does not know or does not approve?  Then the other partner sees the product or discovers the purchase on a credit card statement.

This type of situation is the perfect scenario for a chargeback.  The partner who bought the adult related service or product, denies making the purchase.  And calls the card issuing bank to initiate a dispute of the charge.

To avoid unnecessary chargebacks, some adult merchants use a more generic descriptor than one specifically related to adult products or services.  If the adult merchant choses to use a generic descriptor, it is important to inform buyers of how the purchase will appear on the card statement.  Prominently display what descriptor will appear on the statement.  And reinforce the information on receipts, order confirmations & emails.  Because if buyers do not recognize the name of a merchant on the card statement, it can also result in a chargeback.  Clear communication with buyers is the key to the success of generic descriptors being effective to reduce chargebacks.

Naturally, more traditional approaches to chargeback management are also valuable. Chargeback prevention services provide notice when buyers call their issuing banks to dispute a transaction.  This gives you time to initiate a refund prior to a chargeback occurs.  Chargeback mitigation services help you fight chargebacks once they occur.   And help you determine which chargebacks have the best chance of winning.

Some adult merchants use 3D secure protocols while others do not.  3D protocols can shift responsibility for fraud away from adult merchants while providing an extra layer of security on card transactions.

How to Comply with the Law (Section 2257)

Businesses that Sell Sexually Explicit Materials
What steps do you take to ensure that your adult industry firm complies with 2257? The primary areas in which you’re expected to maintain compliance are listed below.

Make a list of the specifics.
For each artist, you must keep track of the following information:

Any additional names used, as well as the legal name
Year of birth
Photo identification issued by the government
You must also keep track of the following information about the production:

a copy of the performance
The year in which the film was first released
The URL linked with the image (if online)
Storage and upkeep of records
These records must be indexed and cross-referenced by name by adult content creators. Associated with



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