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Open Your Business to More Revenue with an Adult Merchant Account

Handle recurring billing seamlessly, process cross-border transactions, and scale your operation through multiple banking relationships that understand adult businesses.

SOME OF OUR 500+ HAPPY CUSTOMERS

BENEFITS

The Hard Truth About Adult Merchant Accounts

Most banks reject adult businesses instantly. The cause? It’s simple: they see you as high-risk and fear reputational damage.

At FastoPayments, “we don’t see adult businesses as high-risk. We see them as high-potential,” Dennis, our CEO says. “The adult industry needs fast, reliable payment processing. That’s exactly what we’ve built.”

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Why Adult Merchant Accounts Face Payment Processing Challenges?

Most traditional payment processors (Think Stripe or PayPal) shy away from adult merchant credit card processing, and here’s why:

Legal and Compliance Barriers

Age verification and obscenity regulations can make your head spin.

At FastoPayments, we’ll make sure your payment setup meets these requirements with built-in tools such as identity verification so you can stay compliant without stress.

High Chargeback Rates

You might see increased chargeback requests due to misunderstood billing and subscriptions disputes.

We handle this by giving you advanced chargeback prevention tools that safeguard your revenue.

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Fraud and Security Risks

Your adult business is likely to be a target for fraud, from fake transactions to account breaches.

Our fraud detection system uses AI to catch fraud before it harms your business.

Limited Payment Options

Basic payment methods limit your growth.

We offer secure payment processing for adult businesses, and support multiple currencies, credit cards and even alternative payment methods like cypto payouts.

Inflated Fees

As a high-risk business, you’ll often face exorbitant rates on processing payments.

At FastoPayments, we are all about transparent pricing and minimal fees, sometimes as low as 3%.

The Scale Problem

Most processors cap your volume just when business is booming. We grow with you, no limits.

What's Included in Your Adult Merchant Account?

Secure Payment Processing

Adult businesses are under constant scrutiny from banks and payment processor. A standard adult merchant account should include PCI DSS compliance, SSL encryption, and tokenization to prevent fraud and keep customer payment info secure.

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Discreet Billing Descriptors

Customers of adult businesses often value privacy, and discreet billing descriptors help reduce disputes by ensuring that transactions appear neutral on bank statements.

Multicurrency and Global Support

Since adult businesses and services often have an international audience, their merchant account provider should be able to support multiple currencies and local payment methods. This ensures customers can pay in their preferred currency, improving conversion rates.

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Recurring payment

Recurring Billing

Many adult businesses offer subscription-based services, and an adult merchant account should provide automated billing as well as account management features.

Chargeback Prevention

The adult industry is especially susceptible to chargebacks due to unauthorized transactions, fraud, and customer disputes. A good merchant account will include chargeback prevention tools such as 3DS out of the box, helping a business resolve disputes before they become costly chargebacks.

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Alternative Payment Methods

Card payments aren’t always available to adult businesses, and a good merchant account will support ACH transfers, e-wallets, crypto payments, and local bank transfers so that transactions remain seamless.

Fast Payouts

Many payment processors impose long settlement periods on high-risk businesses, delaying cash flow. A good adult merchant account will provide faster payouts and transparent pricing, so that businesses have uninterrupted access to their revenue.

Dedicated Support

Unlike traditional payment processors who won’t even work with adult businesses, a specialized merchant account should come with an account manager and a team who’s ready to help 24/7. At FastoPayments we take special pride in supporting our customers so that they can keep their business running smoothly.

Why Choose FastoPayments as Your Adult Merchant Account Provider?

Quick onboarding

When you provide us with the necessary information, we’ll audit your account and get you up and running within weeks. At FastoPayments, we work with acquiring banks that specialize in adult payment processing. Most processors won’t even touch high-risk businesses, while we maintain a 90% approval rate for our customers.

 

Secure and Compliant Processing

Security is paramount in the adult industry, and we make sure you’re always compliant with the regulations in this space. Our built-in tools, including KYC, AML and age verification keep you compliant while PCI DSS Level 1 ensures your customer payment data remains secure.

Sex Toys Payment Processor

Don’t limit yourself to card payments only. With FastoPayments, you can choose your preferred payment method, be it crypto, ACH transfer or mobile wallets. This gives both you and your customers flexibility while optimizing conversion rates.

Reliable Technology

Our payment gateway is built with modern APIs and SDKs. This means it will work seamlessly with your website, mobile app or POS system. We use tokenization to protect sensitive data and maintain PCI‑DSS Level 1 standards.

Intelligent Fraud Prevention

FastoPayments uses advanced AI and machine learning algorithms to stop fraud in its tracks. The system learns what a normal transaction looks like and flags any anomalies as potential risk. This proactive approach helps to reduce fraud and prevent chargebacks.

A Proven Track Record

Our adult merchant account solutions helped a range of clients, from content creators to escort sites. They all have one thing in common after integrating FastoPayments — fewer chargebacks and more happier customers. Our success stories demonstrate how our technical expertise and simplicity resulted in real business benefits.

Case studies

Adult Webcam Merchant Account

One of our flagship clients is an escort services provider based in Spain. They faced persistent issues with high chargebacks ratios and fraud. After integrating with FastoPayments, they experienced significantly higher transaction approval rates.

Another client, a start-up in the content creation space, was struggling with international payments due to frequent payment declines and high processing fees. After adopting FastoPayments, they reduced processing fees by 40% and in just six months, grew from processing 10,000 transactions to 25,000 transactions every month.

Types of Adult Businesses We Work With

Online Content Providers

Websites offering videos, live stream, premium photos and interactive services are the bread and butter here at FastoPayments. These businesses often face high volumes of traffic frequent transactions, which can lead to stringent regulatory scrutiny and high chargeback rates.

Our adult payment gateway ensures high throughput and low latency, so that visitors can enjoy smooth transactions even during peak hours. We use robust encryption and tokenization to protect sensitive information, keeping your customers’ data safe while maintaining compliance with global standards.

eCommerce and retail stores

eCommerce platforms in the adult industry sell a variety of products, from adult toys and lingerie to digital goods. These businesses often manage complex inventories and deal with multiple sales channels, including mobile apps, websites and brick-and-mortar stores. The transaction volumes for each of these channels may differ, and the payment gateway they choose needs to be able to take care of that.

FastoPayments offers an API-first payment solution that can integrate with your online carts, CRM and inventory management system, allowing for a smoother checkout process and streamlined operations.

Also, our adult merchant account comes with advanced analytics which is invaluable for eCommerce businesses. You can monitor sales trends, transaction volumes and identify potential issues through our dashboard, all of which result in improved customer satisfaction and higher sales.

Subscription-based services

Subscription models have become increasingly popular in digital products and services, and the adult industry is no exception. But managing recurring payments can be challenging, especially in a high-risk environment.

FastoPayments automates the billing process, ensuring that subscriptions are cleared on time so you can reduce overhead and minimize the risk of missed payments.

Security is also critical for adult businesses. Our end-to-end encryption and fraud prevention tools ensure recurring billings are protected and your cash flow is stable.

How to Open an Adult Merchant Account

Applying for your adult merchant account is super fast and simple. If you meet all criteria, we can get you up and running within days. We just need your basic business information such as name, address, and email, projected sales volume for the next 3-6 months and the preferred payment method (bank-to-bank, crypto, etc.)

Frequently Asked Questions

What is an adult merchant account?

An adult merchant account is a type of high-risk merchant account built specifically for adult businesses. It addresses common challenges the industry faces, including strict compliance criteria and frequent chargebacks.

 

How do you prevent chargebacks?

We combine Ethoca alerts with Verifi’s CDRN system to catch disputes before they become chargebacks.

How do you ensure data security?

We use tokenization, AES‑256 encryption, and TLS protocols to protect sensitive information. This ensures data is safe from the point of capture until it reaches its destination.

How long will my funds be held in reserve?

Typically, banks hold 10% of your funds for 180 days. At FastoPayments, we help reduce this to as low as 3%.

What happens if one bank terminates my adult merchant account?

With our multiple banking relationships, we simply switch your processing to another pre-integrated acquirer. Your business continues without interruption.

Do you support recurring billing for adult content platforms?

Yes, we provide secure payment processing for adult businesses with subscription-based services. We use tokenization, automated rebilling, and detailed analytics to handle recurring payments for your adult business.

How quickly can I integrate with FastoPayments?

Our API-first platform is designed for quick integration with your existing system. Most of our clients were able to start processing payments with us within a few weeks.

Payment Integrations

FastoPayments seamlessly integrates with popular platforms like WooCommerce and Shopify. Every business is unique, which is why our API allows you to customize your payment gateway according to your specific needs.

Whether you prefer a host page integration or server-to-server setup, FastoPayments’s payment API ensures that your high-risk e-commerce payment processing is optimized for efficiency and future-proofed for continued success.

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