1. What types of businesses qualify?

We can process for almost any legal business. If your business is legal in your country we can probably process credit cards for you. Our high risk referral partners typically specialize in different types of businesses. Some are only interested in well established high volume accounts while others will be happy to accept a low volume startup adult website. That is why you have the best opportunity in securing an excellent account because all the companies will look at your particular account and the ones who can definitely assist you will be the ones who will contact you.

2. What credit cards do we process?

• In all cases:
  • Visa
  • MasterCard
    
• Depending upon your type of business:
  • American Express
  • Discover Card
  • JCB
  • ACH Processing

3. Are there any setup fees charged by Adult Card Processing?

No, 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.

4. 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.

As a general rule here are the ranges of rates:
Adult: 5% - 7% (Most merchants pay 6%)
Gaming: 5% - 7% (Depends upon Risk)
Travel: 5% - 7% (Depends upon Risk)
Mainstream: 4% - 6% (Most merchants pay 5%)

Transaction fees vary depending upon your business type.

Your exact rate and fees will be quoted to you once you submit your application.

5. How long does it take to be approved?

Once you provide us with the proper documentation, approval generally takes place
within 1 to 3 days. This is especially true on lower volume accounts as you will
usually be able to process within a day of signing up.

6. Can I expect a Reserve Account?

As is customary with high risk accounts you should probably expect to have a reserve 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 history occurs over time this may be reevaluated.

7. Do I get my own merchant account?

It depends. For most merchants a third party merchant account will be the best and lowest cost option. They are trained in detecting fraud which is common with high risk merchant accounts which will enable you to have the best opportunity for you to continue processing. For larger volume merchants who have a long history of minimal processing problems then we may recommend a solution whereby you can obtain a direct merchant account. Once you submit your preliminary information a decision will be made on the direction to follow.

8. Is there a credit check?

Yes, there is a credit check on all merchants. We also verify the following:

• Owners current drivers license, passport, or other ID
• Owners current address
• Owners banking/checking account
• Non-US merchants have to also provide a utility bill

9. Are there any processing limits?

No! We welcome high volume credit card processing merchants in any type of legal business with a clean processing history. If you have been terminated by another provider because of high volume then you have come to the right place.

10. Do you accept merchants from outside of the United States?

Yes, international merchants are welcome.

11. Do you process in multi-currency?

Yes, we can process in US dollar, Canadian dollar, Euro, & GBP.

12. Do you support membership recurring billing?

Yes, our processing systems work great for membership sites that require recurring billing.

13. This sounds good to me. How do I apply?

The first step in getting setup is to complete the Merchant Application Evaluation
Form. You will then be contacted within 24-48 hours with your exact pricing. Once
you give the OK then you can begin integrating your site and processing sales.