Adult Industries

High Risk Merchant Services For Your Adult Website:
Full Service & Flexible Solutions

Legal age restrictions. Controversial content. Reputation concerns.

It can be challenging to find an adequate credit card processing solution for your adult entertainment business. Some acquiring banks are hesitant to accept adult merchants.

Fees usually run high for adult merchant accounts. However, with a merchant account from iPayTotal, you can qualify for an account with one of our offshore acquiring banking partners at an affordable rate.

iPayTotal Has Adult Merchant Account Solutions

Whatever form of entertainment your business offers, iPayTotal likely has a solution for you. Our adult merchant accounts cover most types of adult entertainment:

  • Streaming videos
  • Adult toys
  • Gentlemen’s clubs
  • Online dating
  • New Solution Enables Anonymous Payments

iPayTotal can offer adult content merchants many ways to accept online payments by credit card and check processing. In June of 2018, however, iPayTotal forged a partnership which enables consumers to pay for goods and services online via gift cards. The process is as follows:

  • The merchant acquires and places the widget of our partner on their checkout page.
  • The viewer clicks on the widget when checking out, and is directed to purchase a gift card from Amazon, Walmart, Target or Apple.
  • The consumer buys the gift card for the necessary amount of his purchase, and submits payment through the widget (keystroking in the gift card number and PIN).
  • The merchant can receive their payout in either ACH or cryptocurrency.

This solution is ideal for industries such as adult/emotional content, online gaming and gambling, CBD and hemp oil and many others. It also is beneficial for merchants who have difficulty getting a merchant account as well as consumers who are unbanked.

How Do I Get An Adult Merchant Account?

Offshore Adult Merchant Accounts (with payment processing history):

  • 3-6 months of payment processing statements with company name showing chargebacks, refunds, returns and total sales.
  • 3 months of business banking statements
  • Approvals: 5 business days to two weeks
Offshore Startup Adult Merchant Accounts
  • Three months of business banking statements or a business bank letter
  • If no business banking statements, we ask for three months of personal banking statements
  • Approvals: 5 business days to two weeks
Domestic Adult Merchant Accounts
  • Application
  • Valid owner’s identification
  • A voided check or business bank letter
  • Business banking statements — at least 3 months worth — showing company name, chargebacks, refunds, returns and total sales
  • Documents of incorporation
  • Approvals: Up to 2 weeks
Virtual Check Solutions for adult merchants
  • Complete application
  • Valid owner identification
  • Voided check or business bank letter
  • Articles of association
  • Approvals: 2-3 business days
Approval Timetable For Adult Merchant Accounts

The time it takes for adult merchant account approvals varies with each type of solution iPayTotal offers, but we can offer an estimate:

    • Offshore adult merchant account with payment processing history: 5 business days to 2 weeks
    • Offshore startup adult merchant accounts: 5 business days to 2 weeks
    • Domestic adult merchant account: 10 days to 2 weeks
    • Adult virtual check solution: 2-3 business days
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The experience with iPay Total Ltd. is a very good experience in an overall perspective. Nice and helpful staff, a lot of support during the process of processing transactions, and also good territorial coverage are the most important positive features of this provider (although they are still working on widening of the same).

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Michał Telka
Chairman, Bluewater Corp