Merchant Accounts for Adult Companies

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Libby James
Merchant Services Expert

Libby James is co-founder, director and an expert in all things merchant services. Libby is the go-to specialist for business with more complex requirements or businesses that are struggling to find a provider that will accept them. Libby is regularly cited in trade, national and international media.

Adult Industry Merchant Services in the UK

The adult entertainment industry in the UK offers lucrative opportunities for business owners, yet obtaining merchant services and business banking for adult shops and e-commerce stores can be challenging. Mainstream merchant providers often consider payment processing for adult shops as high risk. At Merchant Account Service, we specialise in arranging high-risk merchant accounts for various industries, including adult shops, escort services, marketing platforms, webcam sites, and dating sites.

Navigating Merchant Services for Adult Businesses

Securing a merchant account becomes more accessible if your business exclusively sells sex toys, as it falls under standard e-commerce rather than high-risk adult services. Whether your business operates online or in face-to-face sales, we provide comprehensive solutions, including high-risk payment gateways and adult merchant accounts.


Accepting Credit Cards in Adult Shops

Despite the decline of brick-and-mortar adult shops due to online alternatives, successful businesses still exist. Whether you need a chip and pin machine for in-person transactions or a standard merchant account for online sales, we can simplify the process of accepting credit card payments.

Escort Merchant Accounts for Secure Transactions

Finding the right merchant account or payment gateway for escort businesses can be challenging with mainstream banks. However, a properly packaged merchant account application can lead to favourable rates. Many escort businesses now accept credit card payments online, providing security for both escorts and companies in case clients do not show up.

Payment Gateways for Webcams and Live Accounts

In an industry susceptible to fraudulent transactions and chargebacks, a secure payment gateway is crucial for client safety and repeat business. Ensuring PCI compliance for adult card processing establishes a successful relationship with the gateway and merchant account provider.


Adult Merchant Services for Subscriptions and Memberships

Online subscriptions, including adult content, often face high chargeback rates. Finding a suitable adult payment processor can be achieved with the right providers and a correctly packaged account application. Despite potentially higher rates, the process can be straightforward.

Diverse Sectors We Support

Merchant Account Service assists businesses operating in various sectors, such as adult content sites, dating sites, sex chat lines, lap/pole dancing clubs, strip clubs, adult saunas, and adult shops. We provide expert advice to help secure the best deals from specialist merchant providers, ensuring businesses don’t overpay.

Additional Consideration: OnlyFans Competitor Sites

The rise of OnlyFans has led to the emergence of competitor sites. To navigate the unique challenges these platforms pose, it’s crucial to choose the right payment gateway and merchant account for recurring payment methods. Our specialists can guide you in finding suitable solutions.

FAQs for Adult Merchant Services

Commonly Asked Questions
Can I obtain a merchant account for an adult shop that operates both online and in-person?
Yes, Merchant Account Service can assist with both online and face-to-face transactions.
What is PCI compliance, and why is it important for adult card processing?
PCI compliance ensures secure handling of credit card information, reducing the risk of fraud and chargebacks.
How can I ensure my escort website is accepted for card processing?
Our advisors adhere to Visa and MasterCard guidelines and work only with businesses engaged in legal activities.
Are there specific requirements for payment gateways in the adult industry?
Yes, adult businesses must choose PCI-compliant gateways to ensure data security and build a successful relationship with providers.
What types of businesses fall under the category of high-risk adult services?
High-risk adult services may include escort services, webcam sites, and adult content platforms, among others.
How can businesses minimise chargebacks in the adult industry?
By choosing a reliable payment gateway, maintaining transparency in transactions, and implementing fraud prevention measures.
Can I accept credit card payments for online adult subscriptions?
Yes, with the right adult payment processor and a well-prepared account application, you can accept credit card payments for subscriptions.
What are the benefits of using portable PDQ terminals for in-person escort payments?
Portable PDQ terminals offer easy accounting, time savings on bank trips, enhanced security, and safety for both escorts and clients.

How Merchant Account Service Can Help

Our team specialises in guiding businesses through the complexities of obtaining merchant accounts and payment gateways for adult services. By leveraging our expertise, you can secure favourable rates and reliable services tailored to your industry.


For more detailed information on how Merchant Account Service can assist your business, visit our Merchant Services page and take the first step toward securing your financial transactions.


For more advice and industry insights, visit our blog page.


In the dynamic and high risk industry of adult services, finding the right payment solutions is crucial. Merchant Account Service excels in simplifying this process for businesses in the UK. Whether you’re dealing with adult toys, online adult content, or escort services, our expertise can guide you through the complex world of credit card processing.


We collaborate closely with acquiring banks and payment processing companies, specialising in high risk businesses. This means we can offer you the best online payment processing solutions tailored to your specific needs. Our service is not just about providing a payment gateway or a merchant account; it’s about ensuring your business thrives in a competitive and sensitive market.


Securing a merchant account with us, whether for in-person or online transactions, is streamlined and efficient. We understand the nuances of the adult industry and offer processing solutions that respect the confidentiality and security required.


Choosing Merchant Account Service means opting for a reliable and experienced payment service. Our commitment to your business extends beyond just facilitating transactions. We are here to support your growth and help navigate the complexities of the adult industry with ease and professionalism.

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Libby James

Libby James Co-founded Merchant Advice Service alongside David Bird in 2016. Her finance background, coupled with retail and customer service experience, gave Libby the drive to bring transparency and non-biased advice to the world of merchant services. Having come from the heavily regulated mortgage and insurance industry, Libby found it puzzling that other financial sectors lacked regulation and transparency leaving customers confused and unable to make informed decisions when it came to accepting card payments. This was soon to become Libby’s obsession!

With the help of some of the industry’s best, Libby began to research acquiring banks, complex terminology/regulation, and the problems customers experience within merchant services and payment gateway markets. She spent years on sourcing solutions for complex clients, which previously others were unable to assist with. Libby established relationships with brokers and banks which would soon form the cornerstone of Merchant Advice Service. As a result Libby has been featured in high-profile publications across the web.

Libby is proud to be the entrepreneur’s champion, supporting start-up businesses regularly. Her industry insights can often be found on LinkedIn where she provides free of charge advice and money saving pointers. It’s safe to say she has her finger on the pulse of everything card payments related.

Libby speaks of her experience in founding and running Merchant Advice Service…

‘Merchant Advice Service is one of my greatest achievements to date. We help business owners to overcome card processing issues which can become detrimental to their business. We assist SME’s in finding suitable card payments solutions, helping them create their vision. Each and every day is different, exciting and fore filling. As technology advances I can’t wait to see the way in which the merchant services market advances, and I’m pleased that our business will play a part in educating company owners along the way.’

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