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Open Your Business to More Revenue With an Adult Merchant Account

Here’s everything you need to know about opening an adult merchant account.
Best Travel Merchant Account

SOME OF OUR 500+ HAPPY CUSTOMERS

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.”
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.

Legal and Compliance Barriers
We use state‑of‑the‑art fraud detection and real‑time analytics to safeguard every transaction. Our system minimizes chargebacks and protects your revenue, so you can operate with confidence.
Transparent Pricing
We believe in fair, straightforward pricing. Our competitive rates are designed specifically for high‑risk travel businesses, so you always know what you’re paying for, no hidden fees, no surprises.
Reporting and Analytics
With our real‑time analytics dashboard, you can monitor your sales, track transaction volumes, and gain valuable insights into customer behavior. Our customizable reports let you see exactly what’s working so you can optimize your strategies and plan for growth with confidence.
Dedicated Support
Our team is available around the clock via live chat, phone, and WhatsApp. Whether you need technical assistance or have a question about compliance, we’re here to help, 24/7.

What’s Included in an Adult Merchant Account?

A solid adult merchant account should include the following:

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.

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.

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.

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 Payout

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.

Compliance with Industry Regulations

Adult businesses have to conform to regulations such as AML, age-verification and KYC. An adult merchant account should help the seller navigate these regulations with out-of-the-box tools and ongoing monitoring.

Why Choose Fastopayments as Your Adult Merchant Account Provider?

Now that we’ve taken a look at why you need a high-risk adult merchant account, let’s see why FastoPayments is the best choice for your business.

Quick Onboarding

When you provide us with the necessary information, we'll audit your account and can get you up and running within weeks. At FastoPayments, we work with acquiring banks that specialize in adult payment proceessing. 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.

Start Processing Payments

Once integrated, begin accepting payments globally. Our platform ensures transactions are processed swiftly and securely, giving you real‑time access to funds.

Start Processing Payments

Once integrated, begin accepting payments globally. Our platform ensures transactions are processed swiftly and securely, giving you real‑time access to funds.

Analyze & Optimize

Use our comprehensive reporting tools to track your performance and make data‑driven decisions that boost growth and improve customer satisfaction.

Analyze & Optimize

Use our comprehensive reporting tools to track your performance and make data‑driven decisions that boost growth and improve customer satisfaction.

Analyze & Optimize

Use our comprehensive reporting tools to track your performance and make data‑driven decisions that boost growth and improve customer satisfaction.

Case Studies

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

FastoPayments proudly supports a range of businesses in the adult industry, including:

Fast, secure payments that keep bookings moving. With instant confirmations, automated refunds, and fraud protection, FastoPayments helps OTAs reduce declines and boost conversions, so customers book with confidence.

Smoother check-ins, fewer chargebacks. Accept pre-authorized payments, multi-currency transactions, and secure bookings with built-in fraud prevention. Refunds and disputes? Automated, so you can focus on hospitality from the get-go.

Scale effortlessly with a payment infrastructure designed for dynamic pricing, split settlements, and instant reconciliation. Keep bookings flowing smoothly with Strong Customer Authentication (SCA), which secures transactions without adding friction at checkout.

Real-time payments for every ride. From security deposits to surge pricing, FastoPayments makes transactions seamless, secure, and instant, so customers can hit the road without hassle.

Person entering credit card details into their laptop

Quick Adult Merchant Account Setup for Every Niche

At FastoPayments, we proudly support a range of adult business:
We’ll review and approve your travel merchant accounts and you can expect account activation within days.

Why Choose Fastopayments as Your Adult Merchant Account Provider?

Now that we’ve taken a look at why you need a high-risk adult merchant account, let’s see why FastoPayments is the best choice for your business.

Quick Onboarding

When you provide us with the necessary information, we'll audit your account and can get you up and running within weeks. At FastoPayments, we work with acquiring banks that specialize in adult payment proceessing. 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.

Start Processing Payments

Once integrated, begin accepting payments globally. Our platform ensures transactions are processed swiftly and securely, giving you real‑time access to funds.

Start Processing Payments

Once integrated, begin accepting payments globally. Our platform ensures transactions are processed swiftly and securely, giving you real‑time access to funds.

Analyze & Optimize

Use our comprehensive reporting tools to track your performance and make data‑driven decisions that boost growth and improve customer satisfaction.

Analyze & Optimize

Use our comprehensive reporting tools to track your performance and make data‑driven decisions that boost growth and improve customer satisfaction.

Analyze & Optimize

Use our comprehensive reporting tools to track your performance and make data‑driven decisions that boost growth and improve customer satisfaction.

Get a Quote

FAQs

A travel merchant account is a specialized payment solution that enables travel businesses to accept and process payments efficiently. It’s designed to handle the unique challenges of the travel industry, from international bookings to high‑ticket transactions.
Travel combines every payment challenge: long payment windows that invite chargebacks, high-value transactions that attract fraud, and complex cross-border processing that makes banks nervous.
FastoPayments is proud to serve the US, UK, and European markets, along with many other regions globally. Our multi‑currency and international processing capabilities mean that you can accept payments from customers around the world without worrying about conversion fees or regional restrictions.
Our fees vary depending on your transaction volume, processing history, and risk profile. However, our competitive, transparent pricing is designed specifically for high‑risk travel businesses, with processing fees as low as 3% for merchants with a proven track record.

Security is paramount, especially in the travel industry where high‑value transactions are common. Our platform uses cutting‑edge, AI‑powered fraud detection tools that analyze transaction patterns in real time.

We employ multiple layers of security, such as encryption, tokenization, and multi‑bank processing, to safeguard your funds. By catching suspicious activity before it becomes an issue, we significantly reduce the risk of fraud and provide you with a secure payment processing environment.

Multi‑bank processing is a key feature of our service that ensures your transactions are never held up by issues with a single banking partner.

By spreading transactions across multiple banks, we reduce the risk of account freezes and ensure higher transaction approval rates. This means that even if one bank faces a temporary problem, your payment processing remains uninterrupted, keeping your revenue secure and your operations running smoothly.

Our platform is designed to work seamlessly with the systems you already use. Whether you run a brick‑and‑mortar travel agency with a POS system or an online travel booking website, our API and integration tools allow for smooth connectivity.

Yes, our platform is fully capable of handling recurring payments. This is especially useful for travel subscriptions, loyalty programs, or any service that requires regular billing. Our system automates the billing process, manages trial periods, and uses advanced retry logic to handle any payment declines.

We automate refund workflows without manual back-and-forth. Our chargeback protection tools also help prevent disputes and fraudulent refund claims.

Yes. Our API-first platform connects natively with leading booking engines, CRMs, and reservation tools via pre-built connectors. Launch a unified payment experience in days, not months, with synchronized data flows and 99.9% uptime. We handle the heavy lifting; you focus on seamless bookings.