Adult Card Processing does not charge any setup fee. The way
that we operate is
that we find excellent processing solutions for you by presenting
your information to
several of our high risk referral partners. In turn those that
would like your business
will contact you within 1 to 2 business days and either call
or email you with a
proposal. If you decide that their program matches your needs
then it is our referral
partner who pays us a small fee for bringing them your account.
You pay us nothing.
This is the best arrangement for all parties involved.
What are the rates?
The rates and fees depend on your type of business, monthly
processing volume and
risk. A site with a strong history of low chargebacks will qualify
for a better rate than
one with a 3% or higher chargeback rate.
3% - 5% (Most merchants pay 4%)
Gaming: 5% - 7% (Depends upon Risk)
Travel: 7% - 12% (Depends upon Risk)
Mainstream: 3% - 5% (Most merchants pay 4%)
fees vary depending upon your business type.
rate and fees will be quoted to you once you submit your application.
How long does it take to be approved?
provide us with the proper documentation, approval generally
within 1 to 3 days – sometimes longer on very hard to
Can I expect a Reserve Account?
As is customary
with high risk accounts you should probably expect to have a
account. They are typically 10% rolling reserves for 6 months.
Here is how they
work. Out of each batch 10% of the gross is set aside in a reserve
account. On the 7th
month the funds are released to you for the first month, on
the 8th month for the
second month, etc. This is a continuous cycle. As good processing
over time this may be reevaluated.
Do I get my own merchant account?
For most merchants we need 90 days of processing history before
a direct merchant account. Most merchants think they can handle
their own but experience has shown that they can’t so
our processor will train you to
keep chargebacks under 1 %. Once this is achieved you can usually
qualify for a
direct merchant account.
Is there a credit check?
is a credit check on all merchants. We also verify the following:
current drivers license, passport, or other ID
Owners current address
Owners banking/checking account
Non-US merchants have to also provide a utility bill
Do you accept merchants from outside of the United States?
merchants are welcome.
Do you process in multi-currency?
can process in US dollar, Canadian dollar, Euro, & GBP.
Do you support membership recurring billing?
processing systems work great for membership sites that require
This sounds good to me. How do I apply?
step in getting setup is to complete the Merchant
Application Worksheet. You will then be contacted within
24-48 hours with your exact pricing. Once
you give the OK then we can work to get your account approved
as quickly as possible so that you can begin processing sales.