Adult Merchant Account

Adult merchant accounts with Instabill

High Risk Merchant Services For Your Adult Website

Full Service & Flexible Solutions

Legal age restrictions. Controversial content. Reputation concerns.

It can be challenging to find an adequate credit card processing solution for your adult entertainment business. Some acquiring banks are hesitant to accept adult merchants.

Fees usually run high for adult merchant accounts. However, with a merchant account from Instabill, you can qualify for an account with one of our offshore acquiring banking partners at an affordable rate.

Instabill Has Adult Merchant Account Solutions

Whatever form of entertainment your business offers, Instabill likely has a solution for you. Our adult merchant accounts cover most types of adult entertainment:

  • Streaming videos
  • Adult toys
  • Gentlemen’s clubs
  • Online dating
  • Escorts

New solution enables anonymous payments

Instabill can offer adult content merchants many ways to accept online payments by credit card and check processing. In June of 2018, however, Instabill forged a partnership which enables consumers to pay for goods and services online via gift cards. The process goes like this:

  • The merchant acquires and places the widget of our partner on their checkout page.
  • The viewer clicks on the widget when checking out, and is directed to purchase a gift card from Amazon, Walmart, Target or Apple.
  • The consumer buys the gift card for the necessary amount of his purchase, and submits payment through the widget (keystroking in the gift card number and PIN).
  • The merchant can receive their payout in either ACH or cryptocurrency.

This solution is ideal for industries such as adult/emotional content, online gaming and gambling, CBD and hemp oil and many others. It also is beneficial for merchants who have difficulty getting a merchant account as well as consumers who are unbanked.

How do I get an adult merchant account?

Speak with a merchant account manager directly at 1-800-318-2713, or simply click the button to get started.

Instabill offers numerous merchant account solutions for adult merchants in any category:

Offshore Adult Merchant Accounts (with payment processing history):

  • 3-6 months of payment processing statements with company name showing chargebacks, refunds, returns and total sales.
  • 3 months of business banking statements
  • Approvals: 5 business days to two weeks

Offshore Startup Adult Merchant Accounts

  • Three months of business banking statements or a business bank letter
  • If no business banking statements, we ask for three months of personal banking statements
  • Approvals: 5 business days to two weeks

Domestic Adult Merchant Accounts

  • Application
  • Valid owner’s identification
  • A voided check or business bank letter
  • Business banking statements — at least 3 months worth — showing company name, chargebacks, refunds, returns and total sales
  • Documents of incorporation
  • Approvals: Up to 2 weeks

Virtual Check Solutions for adult merchants

  • Complete application
  • Valid owner identification
  • Voided check or business bank letter
  • Articles of association
  • Approvals: 2-3 business days

Approval timetable for adult merchant accounts

The time it takes for adult merchant account approvals varies with each type of solution Instabill offers, but we can offer an estimate:

  • Offshore adult merchant account with payment processing history: 5 business days to 2 weeks
  • Offshore startup adult merchant accounts: 5 business days to 2 weeks
  • Domestic adult merchant account: 10 days to 2 weeks
  • Adult virtual check solution: 2-3 business days

Adult merchant account fees?

The fees Instabill charges are contingent on several factors, such as the merchant’s processing history, type of industry (high or low risk) and/or projected sales volume. Each merchant account is different, but typical fees include:

  • Merchant Account Fee
  • Transaction Fee
  • Discount Rate
  • Merchant Account Registration Fee
  • Monthly Statement Fee
  • Chargeback Fee
  • Refund Fee

Chargeback prevention for adult merchants

Chargebacks can be a problem in the adult industry. Out of secrecy, consumers of adult content often dispute such charges on their credit card statements, claiming it wasn’t them who purchased content or joined that dating site.

For whatever reason, Instabill can help merchants prevent chargebacks with its website,, dedicated to chargeback prevention, mitigation and reversal.

Through many blogs and news items, Instabill offers valuable resources and tips for chargeback prevention, mitigation and even reversal.

How can I prevent chargebacks?

  1. Many chargebacks are the result of consumers not recognizing or remembering a purchase on their credit card statement. A clear billing descriptor with your company name, date of transaction and contact number is your first order of business.
  2. Communication: Send automatic e-mail receipts upon completion of a transaction.
  3. In a dispute, offer the customer a refund. A refund is ALWAYS better than a chargeback.
  4. For adult merchants dealing with excessive chargebacks, consider utilizing ACH payment processing or other check solutions.

Valuable resources for adult merchants

An Easy Solution to Offering High Risk Merchant Accounts

Instabill Cited Among Best Adult Merchant Account Providers

Why Am I High Risk? What Defines a High Risk Merchant Account?

Why Adult Entertainment Merchants are Considered High Risk?

Fast Approval for Adult Merchant Accounts