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Escort Merchant Account

Escort businesses are considered very high risk. Escort businesses do not have a set product and there is no record of the service being fulfilled except for possibly a signed receipt or contract which is not anywhere as good as a signed tracking number for a package. Escort businesses also have high ticket amounts which is a second risky activity. For example; an escort merchant that is making $2,000 transactions with a monthly volume of $20,000 and has only 10 transactions per month is very risky for a processor. If 1 or just 2 of those clients chargeback their transactions, the bank is liable for $4,000 in chargebacks, usually after the money has been paid out to the merchant.

Even though the risk is higher than normal, there are currently payment processors and banks that will accept the liability. The terms will be more in favor of the processor in the beginning of the relationship however if the merchant is able to open an account and show that they operate a well run escort business the banks will be more likely to ease the fees and terms. Many escort merchants will be paying a 10-15% reserve in order to help the bank protect itself from fraud. The reserve may be higher for startup merchants. There are a number of processors that will setup escort merchant accounts however the merchant will need to provide processing history or a solid financial plan.

Offshore Merchants has been setting up escort merchant accounts since 2007 and will be able to assist your escort business with setting one up. Put together your supporting documentation along with your pre-application and have it sent to the payment processor or bank. Any reputable payment processor should be able to provide an approval or decline within 1-2 weeks.   

Contact one of our helpful account representatives to assist you in the setup of a high risk merchant account or offshore merchant account for a high risk merchant.