Our Team has 20+ Years of High-Risk Payment Processing Experience
We have the largest network of high risk banks in the industry, and growing! Paydiverse has thoroughly tested numerous processing banks to understand which are the perfect fit for every high-risk merchant account category. We have a diverse array of solutions per business type unlike anyone else in the industry.
- 24-48 Hour Payouts
- Lowest Rates, Multiple Bank Approvals
- Fast Approvals
- 100% Digital Application
Secure Payment Processing
In 3 Simple Steps
Complete our quick and easy online application
Digitally sign applications using your mouse
Securely upload supporting documents
Applications are sent to all banks that have pre-approved you
Banks will review and determine a processing limit
Daily updates sent with additional documents and final approvals
Payment Gateways are activated
Integrate your Payment Gateway with the backend of your site
Start accepting payments from your customers immediately
Adult Merchant Accounts
In spite of the fact that the adult entertainment industry has been one of the highest grossing e-commerce industries since the early days of the internet, adult merchants still experience resistance from traditional banks and payment processors. Adult merchants who want to offer their customers credit card processing for porn and other adult goods and entertainment are often left desperately searching for high-risk adult payment processing accounts that often come with expensive fees and unreliable service. At PayDiverse, we offer adult entertainment merchant accounts that are revolutionizing the industry. We make it easy for adult merchants to accept credit cards and other forms of online payment without breaking the bank.
About the Adult Entertainment Industry
Collectively, adult websites are the most searched and visited on the internet. What used to be considered taboo is moving more towards the mainstream as more people are openly accessing porn and other forms of adult entertainment. Regardless of the ever-increasing popularity and sales of adult goods and entertainment, traditional banks and payment processors consider the industry high-risk and refuse to open payment processing accounts for most merchants.
The high-risk label doesn’t specifically apply to merchants selling pornography, it actually applies to a wide range of adult-related goods and services that include:
- Adult Bookstores
- Adult toys and other novelties
- Adult massage parlors
- Strip clubs
- Adult entertainment/pornography membership sites
- Online lingerie and adult costume shops
- Escort services
At PayDiverse, we offer merchants who legally sell goods or services that fit within the categories listed above affordable and reliable adult payment processing services. If your adult business doesn’t fit within one of the categories listed, contact PayDiverse to discuss your options. We may be able to help.
Why is the Adult Industry High Risk?
The Risk of Chargebacks
The adult industry is known throughout the financial world for having an exceptionally high number of chargebacks, and it’s likely due to the nature of the industry itself. In addition to the prevalence of stolen or fraudulent credit cards being used to access pornography and other adult entertainment, the chargeback system is frequently abused within the industry. The common scenario of a wife or husband catching their spouse using a joint credit card to pay for adult entertainment while the spouse denies any involvement and claims credit card fraud is generally responsible for the high abuse rates of the chargeback system.
The Risk of Illegal Activity
Using a Payment Aggregator to Process Transactions
High-Risk Accounts for Adult Merchants
- Real-time chargeback alerts and disputes
- A secure payment gateway and account management portal
- Pinless debit
- Offshore payment processing
- Award-winning, customizable fraud prevention tools
- ACH/e-check payment processing
- Multi-bank processing with a minimum of four banks
How to Apply for an Adult Payment Processing Account
If you’re looking for a payment processor you can rely on, PayDiverse offers credit card processing for porn and adult entertainment merchants, adult stores, strip clubs, legal escort services and other adult industry merchants. We approve 98% of applications and offer merchants affordable rates and account features that are unparalleled in the industry.
To apply, simply complete our online application form, add your digital signature at the end and send it in with your supporting documents. Our team will review it within 24 hours and get back to you right away. Upon approval, you’ll be set up with our secure payment gateway and ready to process payments within 48 hours.
Diverse Payment Processing is Smart Processing
Fill out our free and quick merchant account application and let us match you with many banks that want your business.