Adult Merchant Accounts and Payment Processing

Adult Merchant Accounts and Payment Processing

Adult Merchant Accounts and Payment Processing

Stable, compliant payments for adult businesses

No more shutdowns or frozen accounts

Happy couple shopping online with a credit card and tablet, making a secure payment for a purchase.
Happy couple shopping online with a credit card and tablet, making a secure payment for a purchase.
Happy couple shopping online with a credit card and tablet, making a secure payment for a purchase.

Specialized Underwriting for Adult Sites

Specialized Underwriting for Adult Sites

We evaluate each account individually, enabling higher approval rates and reliable, long-term processing.

Fraud Shield for Adult Businesses

Fraud Shield for Adult Businesses

Our advanced fraud tools are optimized for adult transactions, protecting revenue while keeping checkout smooth.

Privacy Protection for Adult Purchases

Privacy Protection for Adult Purchases

Discreet billing ensures customer confidentiality and reduces chargebacks tied to unrecognized charges.

Why Adult Industry is Considered High-Risk

Adult businesses face some pretty unique hurdles when it comes to payment processing. Here’s a quick look at the main challenges:

Chargebacks: It’s common for adult businesses to see more chargebacks than other industries. This often happens because customers don’t recognize the billing descriptor, feel embarrassed about the purchase, misunderstand subscription billing or have family members spot the charges. 

Compliance: The adult industry has a complex set of rules. This includes verifying ages, restricting certain types of content, managing cross-border transactions and dealing with banking restrictions.

Reputation Risks: A lot of banks and payment processors shy away from adult businesses because of reputation concerns. That makes it harder to get reliable financial services. 

A lone woman
A lone woman
A lone woman
A lone woman

Adult Business Types We Support

SensaPay provides payment processing solutions for a wide range of legitimate adult entertainment businesses:

Adult Content Subscription Platforms

Content creator sites, membership portals, and subscription-based adult entertainment services benefit from our recurring billing tools, high retention rates, and customer management features.

Adult E-commerce & Product Retailers

Online stores selling adult products, toys, and novelties can process secure payments with our shopping cart integrations, inventory management tools, and discreet shipping options.

Live Cam & Interactive Services

Webcam platforms, interactive adult entertainment services, and live streaming sites can process tips, tokens, and time-based billing with our flexible payment options and real-time processing.

Dating & Adult Social Networks

Adult-oriented dating sites, matchmaking services, and social networks can manage membership fees, premium features, and subscription tiers through our secure payment gateway.

Comprehensive Payment Solutions for Adult Businesses

SensaPay offers a complete suite of payment processing tools designed to meet the needs of adult industry merchants. Our platform supports subscription models, one-time purchases, compliance, reliability and privacy at the core.

Payment Gateway

Securely process online transactions with a gateway built for high-risk industries.

Subscriptions

Automate recurring billing for memberships, content access or premium services.

Smart Retries

Recover failed transactions automatically to keep recurring revenue flowing.

Chargeback Management

Get real-time alerts and expert tools to reduce chargebacks and protect revenue.

3D Secure

Add an extra layer of authentication to prevent fraud and increase approvals.

Customer Vault

Store payment information safely for fast and secure repeat purchases.

Why Businesses Choose Our Adult Merchant Services

Stability in a Volatile Processing Environment: Adult businesses often face sudden account shutdowns and interruptions with mainstream providers. SensaPay offers reliable, long-term processing backed by clear terms and ongoing compliance support.

Specialized Risk Management and Underwriting: Our underwriting team knows the adult industry inside and out. We assess your business model to offer approval where others won’t. This approach lowers false declines, catches fraud early, and helps manage chargebacks effectively. 

Personalized Support When You Need It: Every adult merchant gets dedicated account managers who understand the industry. When problems arise, you’ll work with experts familiar with your business, providing fast and practical solutions.

How to Open an Adult Merchant Account

Getting approved for adult payment processing with SensaPay is straightforward:

1

Complete our application

Provide basic business information and processing needs.

3

Compliance review

Provide basic business information and processing needs.

5

Integration and testing

Provide basic business information and processing needs.

2

Submit required documentation

Business registration, owner ID, and website/product details.

4

Compliance review

Provide basic business information and processing needs.

2

Submit required documentation

Business registration, owner ID, and website/product details.

4

Compliance review

Provide basic business information and processing needs.

6

Start Accepting Payments

We support you post-launch to optimize performance and growth.

Get Adult-Friendly Payment Processing Today

Stop fighting with mainstream processors who don't understand your business. Apply for adult industry payment processing in minutes.

Book a Demo

Apply Now

Adult Content Platform Integration

We know adult businesses rely on real tools to run their operations — and payment processing shouldn’t get in the way. That’s why SensaPay integrates smoothly with the platforms you already use, so you can keep your focus on growth, not tech headaches.

Our system connects with:

  • Payment gateways like Authorize.Net, NMI, and Payrix

  • E-commerce platforms including Shopify, WooCommerce, and BigCommerce

  • Adult CMS and paywall tools like ModelCentro, FanCentro, and ElevatedX

  • Streaming and cam platforms such as MFC Share and Chaturbate-compatible systems

  • Subscription billing tools like Chargebee and Recurly

From setup to payout, we help you keep transactions flowing smoothly across the adult platforms your business depends on.

Other Industries

Man having a telemedicine video call with a doctor on his laptop, discussing medication or treatment.
Man having a telemedicine video call with a doctor on his laptop, discussing medication or treatment.
Man having a telemedicine video call with a doctor on his laptop, discussing medication or treatment.
Man having a telemedicine video call with a doctor on his laptop, discussing medication or treatment.

Telemedicine

Man having a telemedicine video call with a doctor on his laptop, discussing medication or treatment.
Man having a telemedicine video call with a doctor on his laptop, discussing medication or treatment.
Man having a telemedicine video call with a doctor on his laptop, discussing medication or treatment.
Man having a telemedicine video call with a doctor on his laptop, discussing medication or treatment.

Telemedicine

Man having a telemedicine video call with a doctor on his laptop, discussing medication or treatment.
Man having a telemedicine video call with a doctor on his laptop, discussing medication or treatment.
Man having a telemedicine video call with a doctor on his laptop, discussing medication or treatment.
Man having a telemedicine video call with a doctor on his laptop, discussing medication or treatment.

Telemedicine

Adult Payment Processing FAQs

What kind of processing rates can adult businesses expect?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What kind of processing rates can adult businesses expect?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What kind of processing rates can adult businesses expect?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What kind of processing rates can adult businesses expect?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do you support payouts to content creators or affiliates?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do you support payouts to content creators or affiliates?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do you support payouts to content creators or affiliates?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Do you support payouts to content creators or affiliates?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Is there a minimum monthly processing volume required?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Is there a minimum monthly processing volume required?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Is there a minimum monthly processing volume required?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Is there a minimum monthly processing volume required?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What happens if my chargeback ratio increases?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What happens if my chargeback ratio increases?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What happens if my chargeback ratio increases?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

What happens if my chargeback ratio increases?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Will my customers see “adult” or explicit terms on their billing statements?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Will my customers see “adult” or explicit terms on their billing statements?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Will my customers see “adult” or explicit terms on their billing statements?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Will my customers see “adult” or explicit terms on their billing statements?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can I use your service if I’ve been dropped by another processor?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can I use your service if I’ve been dropped by another processor?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can I use your service if I’ve been dropped by another processor?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

Can I use your service if I’ve been dropped by another processor?

Rates can vary depending on factors like the level of risk your business carries and whether you sell online or in person. Typically, adult businesses see processing fees between 2.95% and 5%. Keep in mind, this doesn’t include other costs such as monthly account fees.

High-Risk Adult Business? Get Approved. Get Paid.

Fast, secure payment processing built for adult entertainment. No judgment. No nonsense.

Chat with a payments expert

Chat with a payments expert