Adult merchant accounts are able to be setup with payment processors and banks both domestically in the US and with offshore processors. Adult merchants are categorized as high risk for the main reason that their websites and content is only legal for customers 18 and over. When there is age verification that needs to take place the risk is heightened with the industry. Adult merchants that are based in the USA are able to be approved and setup with a high risk domestic account. The merchant will need to provide all of their documents to the bank along with a non-expiring username and password. A credit score for the owner over 600 will also assist the merchant with being approved quickly.

If the merchant is based outside of the USA the merchant will need to apply for a merchant account with an international merchant account processor. There are a number of solutions for these merchants with rates starting very low if the merchant has previous processing history. As with any high risk business, merchants with previous processing history are more sought after and will receive the best rates and terms. Some international payment processors will accept startup adult businesses but they are limited. The majority of adult processors are looking for adult merchants that are established with a proven track record.

Offshore Merchants has been setting up adult merchant accounts since 2007. Offshore Merchants is able to setup your business with both domestic and international payment options depending on your business. Many merchant account providers will require an in depth review of the merchant’s website(s) before approval is given. They want to make sure that the merchant is operating 100% above board without any type of illegal or forbidden activities on their websites that could jeopardize the payment processor.

Contact one of our helpful account representatives to assist you in the setup of high risk merchant accounts, offshore merchant accounts and high risk offshore merchant accounts.