Best Payment Processors for Adult Sites
Like any other industry, the adult entertainment industry needs reliable and effective payment processors and financial partners. Most commercial and corporate banks steer clear of the pornographic, adult, and recreational businesses because they believe they pose an undue risk.
These problems affect conventional payment gateways and providers like PayPal and Stripe. Thankfully, the growing need for financial services from adult websites has made it possible for a number of adult-oriented platforms to thrive.
In this blog post, Adult B2B Marketing will discuss payments with high-risk payment processors in the industry and provide a list of some of our recommended businesses that accept secure payments.
What Is a Gateway and a Payment Processor?
This is a rather easy question with a somewhat complicated answer. As to U.S. News & World Report, the term “payment processor” refers to the set of protocols, suppliers, and additional components that facilitate the processing of a credit card payment or a virtual transaction. Several steps and persons are involved in a credit card transaction. Credit card and debit card transactions are handled through payment processing. The process of moving money from a customer’s issuing bank to a merchant’s account involves payment processing services and payment gateways.
Payment gateways provide a safe connection for data delivered through the payment processor. Imagine that you are at a restaurant and the check has arrived. Just provide the server your credit or debit card, and the payment details will be entered through the payment gateway, indicating whether the payment was accepted or rejected. But the true activity of the transaction is driven by the processor, which provides a smooth way to initiate the transfer of funds to the merchant’s commercial bank and obtain card information from the customer’s bank.
There are costs associated with processing payments through processors and gateways. It seems reasonable for prices to vary. Credit card processing fees often fall between the range of 1.5 to 3.5%. High-risk companies usually charge a lot more, especially those in the adult industry.
Types of Payment Processors
Payment processors fall into two categories: ordinary processors and high-risk processors. The adult entertainment industry uses both types of processors. Regular payment processors are services provided by companies like Square, Stripe, Zettle, and Payment Depot. In the mainstream segment of the market, the two most well-known payment processors are Square and Stripe. For tiny eateries and food trucks, for example, that need instantaneous, on-demand gateway access, Square is perfect. Stripe is primarily intended for use in retail and online purchasing.
High-risk merchants and high-risk payment processors are paired because high-risk merchants sell age-restricted products and services, such as alcohol and cigarettes. Other services provided include firearms, marijuana in some areas, and (obviously) adult material and sex-related businesses.
Payment processors manage these high-risk enterprises; they also help to completely mitigate risks related to fraud, money laundering, and other unlawful acts, as well as to prevent chargebacks.
Which Payment Processors Are Ideal for Websites with Adult Content?
Contemporary payment processing solutions tailored to the demands of the adult entertainment industry operate beyond the institutional boundaries of traditional fin-tech service providers. The absence of a single PayPal option during the checkout process when purchasing premium pornographic content or subscribing to a membership website is not unusual. This is because, as a result of its widespread use by financial institutions and its risk-averse business practices, PayPal forbids the purchase of sexual content. We’ll look at the effective payment processing for companies who offer pleasure items and sex toys online later. Generally, one of these high-risk payment processors uses the security and privacy protocol to go around this and offers PayPal as a check-out alternative.
Even credit card companies Visa and MasterCard have expressed concern over sexual material due to cultural, political, and legal outrage. For example, the controversial “The Children of Pornhub” piece by former New York Times editorial contributor Nicholas Kristof provoked moral indignation and a reaction against MindGeek’s content moderation policies. As a result of Kristof’s writing and the controversy it created, Visa and MasterCard ceased to accept payments for Pornhub and its network of websites. The creators on Adult Pornhub were instantly affected by this move.
High-risk payment processors are crucial in this industry. We believe the solutions listed below represent some of the best alternatives available for payment processing services in the adult entertainment industry, which is the subject of this blog article.
Epoch
Payment gateway services and payment processor Epoch are well-known for their high-risk businesses, such as adult entertainment. Epoch is widely used by some of the biggest adult enterprises in the market. Among the services provided are ACH bank transfers, card processing, and a complete toolkit. These make it possible for websites of all types to process payments globally. As we’ve already mentioned, Epoch plays a big role in this sector by enabling websites that wouldn’t otherwise be able to use PayPal services. Fees may vary based on the services you utilize.
CCBill
CCBill is a well-known payment processor in the adult entertainment industry as well as other high-risk businesses. The majority of the EU, as well as the US, are accepted payment sources for CCBill. The yearly transaction value of the corporation exceeds $1 billion. The majority of CCBill’s funding originates from high-risk payments made in a variety of businesses, with a focus on adult payments. The transaction fees and explicit content range from 10.8% to 14.5%. A number of features and models, including a protocol for memberships and subscriptions as well as one-time online payments, are included in the usage of CCBill. Because to CCBill’s extremely cheap prices and solutions, adult businesses, producers, independent adult content providers, and performers may accept payments from major credit and debit card networks. They have a well-liked affiliate backend as well.
OrbitalPay
OrbitalPay is an additional option for managing high-risk payments for adult entertainment. They do provide services for many company kinds, such as membership sites, live cam sites, retail and product sales, VOD, and direct services from adult entertainment studios and performers. OrbitalPay’s high-risk adult merchant accounts enable adult service operators to deliver timely, fully integrated credit card payment services. OrbitalPay’s adult merchant accounts may fulfill nearly any need, regardless of the services. Although costs do differ, the general public is not given access to them. Please contact OrbitalPay for further information on fees.
MobiusPay
MobiusPay is an additional option for handling high-risk payments. While adult entertainment makes up a significant amount of MobiusPay’s business, the company also makes money directly from emerging sectors like cannabis, CBD, and drug accessories like pipes. Chargeback issues are only one of the many high-risk payment types that MobiusPay offers as products and services. The adult industry’s businesses may now take payments from major credit and debit card networks worldwide thanks to MobiusPay’s solutions, which also include credit card processing services for high-risk clients. And costs do differ.
Payze
High-risk payment processing services are provided by Payze to a range of businesses, including the adult entertainment industry. The Payze platform, which is covered in the Adult Site Broker Talk podcast, offers several technological solutions and protocols that make it possible for high-risk businesses to operate. This provides capabilities for scalability so that a paysite or membership site may fully integrate the Payze ecosystem. Payze will make it easy to service international customers in the same manner that it services domestic ones. Like other providers on this list, Payze will help you contact more clients and increase the efficiency and speed of revenue collection.
NETbilling
NETbilling is another provider of high-risk payment processing services to some adult industry organizations. NETbilling’s product solutions include payment gateway hailing services and adult transaction processing. All of these functionalities are available in the NETbilling software, which is also scalable enough to take credit card payments from all of the major credit and debit card networks in the globe. For membership websites, VOD providers, and live streaming websites, NETbilling, for example, offers comprehensive chargeback protections along with online check and credit card processing. Similar to all the platforms on our list, NETbilling provides analytics and statistics for tracking sales trends.
Webbilling
Webbilling is a high-risk payment processing firm that primarily caters to the European market. For countries in the European Union, Eastern Europe, and Central Europe, webbilling is a practical payment method. Webbilling operates under the name WB Technical Services B.V. and is headquartered in the Netherlands. Businesses in the e-commerce industry as well as a variety of other high-risk services that require chargeback protection are the target market for Webbilling’s services. In addition to facilitating credit card purchases, Webbilling acts as a payment partner for adult subscription services and membership websites. It specializes in accepting non-traditional payment methods that other processors do not.
Verotel and Bitsafe
Adult professionals have a choice between Bitsafe and Verotel by Bitsafe for payment processing and delivery. Verotel is an adult industry payment processor and gateway that caters to affiliates and studios. Membership websites, pay websites, competitive rates and volumes, daily income distributions, and chargeback protection are all included in the Verotel by Bitsafe platforms. Bitsafe also provides debit card services to adult businesses as well as a private, secure platform for international money transfers. When Bitsafe and Verotel’s financial services are merged, full-stack payment options are provided. Verotel can accommodate many credit and debit card services and is expandable. Even if the prices might fluctuate, Verotel is definitely a highly reliable payment platform moving future.
eMerchantPay
eMerchantPay is another business that provides high-risk payment processing services. Adult industry firms and performers have access to around sixty services at this time, with many more to come. What sets eMerchantPay apart from its competitors is the way it prevents fraud and minimizes chargebacks. This tactic allows for the maintenance of low fees and asking prices, increasing conversion and opening up new avenues for producing income. Using the eMerchantPay technique, businesses in the adult industry of all sizes may accept credit and debit cards through several credit and debit card networks worldwide.
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