When it comes to an adult merchant account, a business must navigate a minefield. The controversial content of the industry could cause banks to reject it, and even a small increase in chargebacks could result in a ban on payments. In addition, the ever-changing laws and regulations are a nightmare to keep track of for any business.

It is crucial that a business in the adult industry finds a payment processor that understands what it is doing and works with high-risk businesses. A common mistake is to quickly decide on a popular processor such as PayPal, only to discover they don’t work with businesses in the adult space.

The adult merchant account should also have a strong anti-fraud program, including recurring billing and one-click payment processing. It should be able to stamp out fraud with its direct integration with VISA and Mastercard and provide ongoing fraud data (called TC40 and SAFE data, respectively). It should have a partner product that will assist in chargeback mitigation and dispute management (such as Corepay), which will help minimize the impact of chargebacks.

It should also have a fast approval process, so that the business can start to get its revenue rolling in sooner. It should be able to provide services such as adult entertainment websites, live cams, adult eContent sites, strip clubs, massage and spa boutiques, and legal escort solutions. It should offer a variety of payment methods such as credit cards, ACH/eCheck, and crypto currencies.