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How To Get An Adult Merchant Account?

If you’re running an adult business, obtaining merchant services and business banking can be a challenge. There are a lot of restrictions and regulations in place that make it difficult for adult businesses to start taking contactless and card payments by legitimate means – be it online or in-store. Traditional banks and financial institutions consider payment processing for adult businesses to be high-risk.

Many providers out there will either not accept your business or charge you high fees. CutPay is different. We are a provider that specializes in working with adult businesses. We understand the unique needs of these businesses and can provide you with an adult merchant account and adult payment gateway. Our services are not only affordable but reliable.

Merchant Accounts for Adult Shops

You may need help securing merchant services and business banking as an adult business. This is because adult businesses are seen as high-risk by many financial institutions. 

CutPay can help you overcome this obstacle by providing you with a merchant account and payment gateway for adult businesses. With CutPay, you’ll be able to process payments and manage your finances without worrying about being denied service or charged high fees. We can provide you with a chip and pin machine if you need one or help you set up a payment gateway if you’re selling online.

CutPay specializes in arranging merchant accounts for businesses in the adult industry, including adult shops, adult toys, webcam sites, streaming videos, marketing platforms, escort services, and dating sites. We also offer a range of specialist features for high-risk businesses, such as chargeback protection and fraud prevention tools.

Not all adult businesses are classified as high-risk; an example, there would be businesses that only sell sex toys. Such businesses would not be considered ‘high-risk’ – and instead classed as ‘standard e-commerce’ by merchant service providers.

So whatever your needs, we’re confident that we can help you find the right solution. As an adult business, you need a payment gateway and merchant account that will allow you to accept payments without any hassle. Our payment gateway is perfect for adult shops and e-commerce stores, as it keeps the cardholder’s information secure. Meanwhile, our merchant account will help you accept payments through various channels. We accept all major credit cards, including Visa, Mastercard, and American Express.

 Accepting credit cards in adult shops

With the advent of the internet, there has been a significant decline in physical or brick-and-mortar adult shops. But there are still many adult businesses that have premises or a physical presence.

If you run a physical adult shop, you would require a chip and pin machine and a standard merchant account. You may also combine your office premises with an online store, making it easier for your business to accept card payments both online and in person.

CutPay can help you with all of your credit card needs. With CutPay, you’ll have access to a wide range of payment options, including support for major credit cards like Visa, Mastercard, and American Express. CutPay is integrated with e-commerce platforms, so you can start taking payments right away. If you’re looking for the best way to take credit card payments in your adult shop, look no further than CutPay! 

Escort merchant accounts

The escort industry is booming and can be profitable for merchants.

Most companies opt to take escort payments online. This is to provide some cover to the organization and the escort should the client change their mind and does not show up. Just like any online shop, the company would need a merchant account and payment gateway to process escort card payments.

An escort merchant account allows a business to accept credit cards or other forms of electronic payment. An escort payment gateway reads and transfers payment information from a customer to a merchant’s bank account – keeping the customer’s card details secure.

An increasing number of escorts have started taking credit card payments face-to-face with portable card machines (PDQ terminals) or mobile point of sale systems (MPOS). These machines process card payments – which means escorts do not have to carry huge cash anymore, reducing the risk of robbery. These solutions also give escorts the flexibility of allowing their clients to rebook or extend appointments.

Getting started with an escort merchant account can be tricky.

There are a variety of things to consider, including:

– The type of merchant account you need (full or limited)

– How many cards will be accepted in the system, and how many times per day?

– Where do you want your terminal to be located? Can it be easily moved?

– What kind of security do you want on the terminal itself, and how do you protect cardholder information?

With CutPay, you can get the best merchant account for your Escort advertising or business. We have a massive selection of merchant accounts and payment gateways to fit the needs of your Escort Agencies.

Payment gateways for webcams and live accounts

There are a variety of payment gateways that can be used for webcams and live accounts for online dating etc. However, not all of them are PCI compliant. Ensuring a secure payment gateway is essential, especially for the adult industry which has a reputation for chargebacks and fraudulent transactions.

CutPay is one of the few that can ensure your adult card processing is compliant with PCI standards. This means that your customers’ credit card information is safe and secure, and you won’t have to worry about any fines or penalties from credit card companies.

Adult merchant services for subscriptions and memberships

Subscription-based businesses can be exposed to a high level of chargebacks. People sign up for a recurring subscription and then claim a chargeback. This could be because customers do not recognize a subscription charge or do not wish to pay after a free trial and have forgotten to cancel the subscription.  This is called ‘friendly fraud’. In other words, friendly fraud happens when a customer carries out a genuine transaction with the merchant but claims a chargeback anyway.

In addition, adult subscription-based businesses can also face a huge number of fraudulent transactions.

Starting an adult subscription or membership service like Gentlemen’s Clubs etc can be a great way to make money, but you’ll need to find a payment processor willing to work with you. 

Adult businesses have a few unique needs when it comes to merchant services and payment processing. 

First, they need to find a willing processor to work with them. This can be done through a few providers, but CutPay is the best choice. 

Second, they need a processor that can handle high-risk transactions. CutPay has experience working with high-risk businesses and can provide the best service possible. 

Third, they need a processor that can offer subscriptions and membership options. CutPay offers both options, making it the perfect choice for adult businesses. 

Lastly, they need a transparent processor and upfront pricing. CutPay is transparent about its pricing, making it the best choice for adult businesses.

CutPay supports the following adult businesses:

  • Strip clubs
  • Dating sites
  • Lap/pole dancing clubs
  • Adult content sites
  • Adult Shops
  • Adult Saunas
  • Sex chat lines

We can help with the following services:

  • Merchant account for chat rooms
  • Adult toy merchant accounts
  • Merchant account for escort service
  • Adult merchant service accounts
  • Payment gateways for adult shops
  • Payment gateways for webcams
  • Merchant accounts for online dating
  • Merchant accounts for adult monthly subscriptions

Terminated adult accounts

There are several reasons why an adult merchant account may be terminated. The most common reason is that the merchant has a breach of contract, usually by violating the terms of their agreement. Other reasons for termination can include excessive chargebacks, fraud, or legal problems like Explicit Content. 

Also acquiring banks are constantly evaluating their risk portfolio and revising their criteria in the process, resulting in high-risk businesses losing their merchant services with the acquiring banks.

If your merchant account is terminated, finding another provider that will work with you can be challenging. This is because adult businesses are considered high-risk by most banks and merchant services providers. 

That’s where CutPay comes in. We specialize in working with high-risk businesses, including adult merchants. We can help you find a suitable payment solution, even if your merchant account has been terminated. We have a vast network of banks and processors that we work with, so we’re sure to find one that’s right for your business!

Payment Processing for adult businesses

As an adult business, you know that processing payments can be tricky and expensive. You may be currently paying too much for your transactions, but with CutPay, you can get a free quotation and start saving money.

We understand the unique challenges adult businesses face when processing payments, so we offer tailored solutions to fit your needs. We can provide you with a gateway specially designed for high-risk businesses, so you can rest assured that your transactions are safe and secure.

With CutPay, you’ll never have to worry about overpaying for your transactions again. Contact us today to get started!

The benefits of using a merchant account and payment gateway for your adult business

If you’re an adult business owner, you know that running a successful business is challenging. You have to hire staff and keep them happy, handle the logistics of managing inventory and sales orders, and deal with unexpected issues like the time your credit card processor went down for three days.

But what if there was a way to make all this easier? What if you could get paid faster? What if you didn’t have to worry about fraud? What if you could accept credit cards from anywhere in the world?

That’s where adult merchant accounts and adult payment gateways come in. In this digital age, being able to accept card and contactless payments is a must. For that, you need an adult merchant account. And if you want to take payments online as well, you need an adult payment gateway.


When you get merchant services for your adult business, you want to ensure you make the most of your money. That’s where CutPay comes in! With our affordable prices and friendly staff, we have been able to help businesses like yours get set up with everything they need in one stop shop, saving you time and money.

If you’re an adult business looking to take card payments both online and in-store without breaking the bank, look no further than CutPay!

Just fill out the form below and give us some details about your business and one of our representatives will reach out to you shortly!

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