PayCly Blog

Adult Merchant Account is Critical If You Want Your Adult Business to Thrive with More Flexible Payment Options

People frequently make jokes about how the internet is only for porn. While they may not be entirely correct, they are also not entirely incorrect.

Porn-related searches account for approximately 25% of all online searches. Why? Simply put, people enjoy porn. They have always done so, as adult entertainment is not new. For crying out loud, there are cave paintings of people having sex.

People spend a lot of money on porn because they enjoy it so much - around $3,075.64 per second. By 2022, the online adult industry in the United States alone will have generated $856.2 million in annual revenue.

And, if anything, the COVID-19 pandemic has increased people's appetite for porn.

However, while porn is an unstoppable cause of an industry, it is also painfully difficult to monetize. Most payment gateways will simply refuse to serve a client if they detect anything inappropriate.

Even industry titans like Pornhub are having difficulty monetizing, as MasterCard and Visa have stopped allowing their cards to be used on the site.

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This means that many people who want to claim their share revenue by creating a porn site will have a difficult time getting paid. PayPal and the majority of mainstream payment processors will not work with them.

There are, however, those who will.

Why Payment Processors Avoid Porn Sites?

If you look through an international payment gateway list of accepted businesses, you'll almost never find any of the following:

  • Websites for online dating
  • Pornographic websites
  • Platforms for adult video streaming
  • Platforms and services for escorts
  • Toys for sex
  • Fetish items and lingerie
  • Lubricants and lotions
  • Websites for sex education
  • Video games for adults
  • Phone sex adult photography

So, why are most debit and credit card processors terrified of a porn websites? In short, they are opposed to the adult industry's inherent drawbacks, which include:

  • The stigma associated with working in the adult industry
  • Adult payment processors are subject to strict state regulations, which can lead to legal issues.
  • The industry's very high chargeback rate of more than 1%
  • Because pornographic websites and adult businesses in general are frequently associated with a high risk of fraud.

So it's less about naked people, and more about risk hate. And by "hate," we mean that they will gladly use it as an excuse to charge you more.

Visa and Mastercard actually charge an annual high-risk registration fee. When you register an adult business with a high risk payment processor, you may be charged a fee of up to $1,000 if you live in the United States or Canada, or $500 if you live in the European Union or the United Kingdom.

If you work in the adult industry, all payment processors will charge you this fee once a year and forward it to the card company with which they are affiliated.

However, where there is risk, there is also opportunity. And when you know what you're doing, you can reduce risks while increasing rewards.

Choose Your Adult Payment Gateway with caution

Banks, however, are not the only ones who can be picky. You, as an adult entrepreneur, should exercise caution when selecting a payment gateway.

For example, you should avoid using PayPal, one of the most popular payment methods, for porn. If you try, they will almost certainly terminate your account as soon as one of their representatives visits your website and hears a moan.

PayPal, like many others, has a list of business types it does not work with, which in their case includes drugs, guns, and - the most dangerous of all - porn.

They can, for example, ban you and freeze your funds without explanation, even if you follow their Terms of Service. As if that weren't bad enough, they're also known for providing poor customer service.

What are the Most Reliable Adult Payment Processors?

Here are some of the factors that can help you identify the best payment processor for your adult business.

Initial setup - how simple and easy is it to create an account with the payment processor and integrate it into your adult website?

Fees - Are there any fees when transferring money via the platform, and if so, how much are they?

Limits and constraints - how much money can you withdraw at once? Is the platform restricting you in any other way?

Payout Schedules - Adult payment processors frequently pay you out at a specific time, such as once a week. That means you won't be able to start a transfer whenever the mood strikes, so you'll need to plan ahead of time.

Contract obligations - what are the rules and regulations that must be followed when using the platform?

Customer service - what types of customer service does the platform provide? Do you have access to customer service representatives 24 hours a day, seven days a week?

Compromise is essential in any relationship, whether business or personal. When it comes to payment processors for your adult website, however, you should never make any compromises.

You require money to survive, and your business requires money to function. Choose one of the dependable options from the list below to support both.

How to open Adult Toys Merchant Account with a payment processor for adults?

To begin using an adult payment processor, you must first create an account. You begin the process by providing the requested information and documentation, which allows your identity to be verified.

It goes without saying that neither your personal information nor company data will be shared. Unless you want it to be, your relationship with your payment processor is not a threesome.

The information you must provide to open an account will vary depending on the processor you select.

However, most businesses will request the following:

  • Full name
  • Business email address, and cell phone number
  • The URL of your adult website
  • A valid government-issued ID, such as a driver's licence
  • A bank letter or a voided check that has already been printed (optional)
  • three months' worth of bank statements (optional)
  • If applicable, three months of your most recent processing statements (optional)
  • Keep in mind that the information provided above is required not only for the company's security, but also for your own.

A payment processor acts as your financial representative. You can't expect them to speak up for someone they don't know. The necessary checks will demonstrate to them that you are a legitimate company in need of their services.

Similar processes can be found at mainstream payment gateways.

You can apply their solution to your website once you and the payment processor are no longer strangers. If you have any problems, you can always contact their customer service.

Choosing the Best Adult Payment Gateway Is Critical for Your Adult Business

As you can see, mainstream payment processors are strict and undeniable about not wanting anything unusual among their clientele. As a result, if you try to open an account with them, you should expect it to be closed down.

Worse, any money you have there may be frozen and rendered inaccessible. We've already stated that PayPal is notorious for pulling such stunts.

Finally, if you want to launch an adult website, monetize it, and scale it to full size and beyond, you will require a good payment gateway.

Why choose PayCly for getting an Adult Toys Payment Gateway?

PayCly was founded with the intention of serving only high-risk businesses. Of course, the adult industry is included. They're obviously doing something right if they're still around.

The platform is safe and secure, and it includes numerous useful integrations. On the other hand, their fees are higher than most people would like.

Despite their willingness to take risks, PayCly is all about a committed, loving relationship, so they only deal with long-term contracts. As a result, only consider them if you're in it for the long haul.


  • Concentrated on high-risk industries and ideal for adult websites
  • We accept a variety of payment gateways.
  • A suite of tools for detecting, responding to, and mitigating chargebacks.
  • Cryptocurrency facilitates global presence
  • Weekly payments are made every Monday.


How Do I Get A Merchant Account?

Step 1: Fill out the online application (it takes 5 minutes).

Step 2: Upload or email any additional documents that are required.

Step 3: Go over the entire proposal (including pricing) and, when finished, DocuSign it.

Step 4: Await underwriting approval before beginning payment processing.

Can I get approved with Bad Credit?

Yes. PayCly can still approve your business for a high risk merchant account even if you have a low credit score. We will simply open a merchant account with a sponsor bank that specializes in this.

A lower credit score is usually not a deciding factor in approval, but it can affect the monthly volume you are approved for. Underwriters may limit your initial monthly volume until you establish a track record of consistent processing, at which point it can be increased.

If you have no credit history, have recently declared bankruptcy, or have a credit score below 500, underwriting will most likely reject your application.

Do you offer credit card processing equipment in conjunction with a merchant account?

Yes, once your merchant account application for retail processing is approved, we will ship your credit card processing equipment. Please notify our Sales Representative if you have specific equipment requirements or if you would prefer to have your existing equipment simply reprogrammed.