Adult Merchant Account

If you’re struggling to secure merchant services for your adult business, our team at  is ready to assist you with:

Securing Adult Payment Processing

Our team is dedicated to supporting adult businesses, setting us apart from traditional payment service providers. You’ll work with a dedicated account manager who will help you select the payment solutions that best fit your needs. We’ll assist you throughout the entire setup process, ensuring that your payment platform is convenient for both your staff and customers. Additionally, we can help integrate our payment solutions with your existing software, such as CRMs and accounting programs—no technical skills are necessary!

Once you apply, you’ll be directed to a short online application where we’ll ask for details about your business, its size, and your payment requirements. After reviewing your information, a member of our adult payment processing team will get in touch with you.

Get started today!

Provide us your contact details and we will schedule a call.

Types of Adult Businesses We Support

Toys and Novelties

Lubricants and Lotions

Sex Education Programs

Online Dating Services

Streaming Platforms

Adult Video Games

Phone Sex Services

Adult Photography

Content Creators

Lingerie

Fetish Products

Plus more!

Frequently Asked Questions

The adult industry features a wide range of business types, making it important to offer a comprehensive array of payment options tailored to your operations. We provide omnichannel payment solutions designed specifically for adult businesses.

Payment Options Offered by Karma Card Payments:

Online
For online adult businesses, digital payment tools are essential for processing credit card transactions. We offer secure payment gateways that enable you to accept credit card payments from customers around the globe. We make it easy to provide various payment options, including standard transactions, subscription services, and donation features.

Retail
Adult businesses with physical storefronts require effective and secure credit card payment solutions. We offer a range of in-person payment tools, such as POS software and card readers. Our solutions cater to adult businesses of all sizes, from small pop-up shops to larger retail operations.

Over the Phone
Phone payments allow customers to make adult purchases without needing to visit a physical store. Our virtual terminals make it simple for your business to accept credit card payments over the phone, enhancing convenience for customers while ensuring discreet options for those who prefer privacy.

Credit card processing fees typically range from 1.5% to 3.5%. The specific fees merchants incur can vary depending on factors like card brand, transaction type, and other considerations. A lesser-known factor influencing these costs is the merchant’s industry. Adult businesses often face higher-than-average processing fees due to their classification as high-risk. Additionally, many adult businesses are required to pay a registration fee—often around $500 to Mastercard—because of this high-risk designation.

At Karma Card Payments, our mission is to offer affordable credit card processing solutions tailored for adult businesses. With our comprehensive understanding of the unique challenges within the adult industry, we provide cost-effective payment options for our partners.

We help our clients avoid excessive fees and navigate the registration requirements imposed by payment networks like Visa and Mastercard. Reach out to us today to learn how our team can assist your adult business in saving on all aspects of payment processing!

We are committed to making the adult payment processing application process as smooth as possible, allowing your business to start accepting payments quickly. To help expedite your approval for a merchant account, please gather the following information before applying:

  • Government-issued photo
  • Signed merchant application
  • Voided check or bank letter
  • Three months of bank statements
  • Three months of processing statements
  • Information about your adult business and its products or services

In addition to these documents, ensure that your website is secured with an SSL certificate, uses HTTPS, and contains the following elements:

  • Your company’s legal name and logo
  • Contact details (phone number or email)
  • Privacy Policy page
  • Terms & Conditions page
  • Footer with the company name
  • Return and Refund
  • Policy page

There are many compelling reasons to choose Karma Card Payments for processing credit card transactions for your adult business. Here are some of the key benefits our payment solutions offer:

Adult Payment Gateway
Our adult payment gateways are specifically designed to help online adult businesses enhance their profitability. By providing secure payment gateways, we enable you to access payment options tailored to your unique products and services. Whether you want to implement subscriptions for recurring revenue or offer discounts to reward loyal customers, our adult payment gateways are ready to support you!

Chargeback Protection
Chargebacks are a significant concern for businesses in the adult industry. While they result in immediate revenue loss, the long-term impacts can be even more severe. Excessive chargebacks can lead to lawsuits from card issuers and a complete loss of access to credit card payments. We utilize advanced chargeback prevention tools to protect our clients and help them successfully contest cases of “friendly fraud.”

Fraud Prevention Tools
Fraud prevention is a top priority across all our payment products. Our solutions incorporate sophisticated fraud detection tools to identify suspicious transactions before they are processed. Given the high risk of credit card scams in the adult industry, it’s essential to partner with a payment processor that is well-equipped to combat threats from online fraudsters!

There are many compelling reasons to choose Karma Card Payments for processing credit card transactions for your adult business. Here are some of the key benefits our payment solutions offer:

Adult Payment Gateway
Our adult payment gateways are specifically designed to help online adult businesses enhance their profitability. By providing secure payment gateways, we enable you to access payment options tailored to your unique products and services. Whether you want to implement subscriptions for recurring revenue or offer discounts to reward loyal customers, our adult payment gateways are ready to support you!

Chargeback Protection
Chargebacks are a significant concern for businesses in the adult industry. While they result in immediate revenue loss, the long-term impacts can be even more severe. Excessive chargebacks can lead to lawsuits from card issuers and a complete loss of access to credit card payments. We utilize advanced chargeback prevention tools to protect our clients and help them successfully contest cases of “friendly fraud.”

Fraud Prevention Tools
Fraud prevention is a top priority across all our payment products. Our solutions incorporate sophisticated fraud detection tools to identify suspicious transactions before they are processed. Given the high risk of credit card scams in the adult industry, it’s essential to partner with a payment processor that is well-equipped to combat threats from online fraudsters!