Payment processors for adult content have become crucial tools in the adult dropshipping business. The digital world has seen massive growth in adult entertainment sales and customer reach. Finding reliable payment processing remains a big challenge for these businesses.

Most payment processors label adult entertainment as high risk. Several reasons explain this classification. Adult businesses work in gray legal areas and face high refund rates. They also deal with international markets and banking restrictions. The adult industry struggles with high chargeback rates and credit card fraud, which leads to tighter regulations.

Businesses in these challenging sectors can turn to high risk merchant account providers. These providers create payment solutions that work for adult content businesses despite all the complications. Adult dropshipping businesses need payment gateways that specialize in high risk merchant accounts - it's their only real option.

Major payment processors won't touch adult content - it's on their banned list. This makes it tough to find reliable partners. Adult streaming and product companies need specialized merchant accounts. These accounts ensure secure payments and follow regulations, though they cost more.

With that being said, let's get into the seven best adult payment processors for dropshipping.

Best for Fast Approvals: 2Accept

The right payment processor can make or break an adult dropshipping business. 2Accept has become a standout choice because they get businesses running quickly with their simplified onboarding process.

2Accept key features

2Accept helps high-risk merchants that regular processors usually turn away. They believe in personal service instead of automated systems that reject adult businesses right away. Their service includes:

• Card processing for Visa, Mastercard, Amex, and Discover
• Recurring billing engine for subscription content and memberships
• Multi-currency payments for global platforms
• Age verification and ID validation integration
• ACH and eCheck support for high-ticket services
• PCI-compliant payment gateways with tokenization
• Hosted payment pages for platforms without on-site checkout
• Chargeback prevention tools and dispute training
• Immediate risk monitoring for suspicious activity
• Integration with CRMs and CMS platforms including WordPress and Shopify

Their setup speed sets them apart. Regular processors might take weeks to approve high-risk merchants, but 2Accept gets your payment system ready in just 48 hours. You don't need coding skills to get started, which makes it perfect for entrepreneurs of all skill levels.

2Accept pricing and fees

The company creates custom pricing packages instead of fixed rates. This lets them build payment solutions that fit adult businesses perfectly. Their materials show they want to keep pricing clear without surprise fees.

High-risk accounts can expect:

• Flat-rate pricing structures
• No monthly minimums or cancelation fees
• Support for multiple payment methods without extra charges

2Accept doesn't publish specific rates. The fees tend to be higher because adult industries need extra security measures and risk management.

2Accept pros and cons

Pros:

• Your business can start processing payments within 48 hours
• Setup works for all technical skill levels with no coding needed
• Real human support team instead of chatbots
• Welcomes many high-risk industries including adult content
• Handles multiple currencies for worldwide customers
• Detailed chargeback protection tools
• Personal account managers who know your business

Cons:

• You'll need to ask for a custom quote since pricing isn't public
• Fees cost more than regular payment processors
• They might hold back some daily sales as rolling reserves

2Accept contract terms

2Accept's high-risk merchant contracts come with specific risk management terms. They keep all fees unless stated otherwise and can change them with 30 days' notice.

The company reserves the right to stop or end services without notice if they think someone breaks the rules or hurts other users. Most high-risk processors have similar policies.

California law governs all legal matters, and any court proceedings happen in Riverside County. The company needs to give 30 days' notice for big changes to their terms.

Growing businesses can increase their processing limits based on good history and business growth. This helps adult dropshipping businesses handle more sales as they expand.

Best for International Dropshipping: Durango Merchant Services

Payment processors with reliable international capabilities play a vital role in global adult dropshipping operations. Durango Merchant Services, 24 years old, stands out as a leader in international high-risk payment processing.

Durango Merchant Services key features

Durango excels at serving high-risk merchants and specializes in international and offshore processing solutions. Their platform gives adult dropshipping businesses several tailored features:

• Multiple payment gateway options including NMI, Fluidpay, Inovio, and Authorize.net
• Multi-currency merchant accounts for global transactions
• Advanced fraud protection tools with free fraud reduction training
• Support for major credit cards plus Google Pay and Apple Pay
• The core team provides customized support
• Cryptocurrency payment processing options
• ACH and eCheck payment processing
• Reliable chargeback management services
• Turnkey integrations with popular shopping carts
• Load balancing features for online businesses

Their proprietary Durango Pay payment gateway includes built-in security features that match the world's best. The gateway merges with over 150 third-party shopping carts, making it perfect for dropshipping operations.

Durango Merchant Services pricing and fees

Like most high-risk processors, Durango doesn't publish standard pricing because they work with various backend processors. They provide transparent interchange plus pricing. Their high-risk merchant account information suggests these rates:

• Discount rates between 1.95% and 4.95%
• Authorization fees from 0.15 to 0.25 per transaction
• Monthly fees between 15.00 and 60.00
• Rolling reserve requirements from 0% to 10%
• Free application processing
• Payment gateway fee around 10 cents per transaction
• Chargeback fee of 25.00 per incident
• No early termination fee

Durango wants to secure the lowest possible rates for merchants. Their pricing reflects adult content businesses' higher risk while staying competitive in the high-risk processing market.

Durango Merchant Services pros and cons

Pros:

• Over 20 years of experience in high-risk processing
• Strong international banking relationships boost approval chances
• Offshore merchant account options for global businesses
• Dedicated account managers offer expert guidance
• Multichannel payment support for online, in-store, and mobile
• They help merchants recover after account freezes from other processors
• Direct device purchases without equipment leasing

Cons:

• Setup takes 1 to 2 weeks, longer than competitors
• Processing fees exceed standard risk processors
• Same-day funding isn't available
• US accounts need minimum processing of 5000.00
• Time-consuming application process
• Chargeback fees higher than standard risk processors

Durango Merchant Services contract terms

Durango stands out from other high-risk processors by offering flexible contract terms. Most merchants get:

• Month-to-month contracts without early termination fees
• Various contract length options including month-to-month
• Rolling reserves typically apply only to high-risk startups
• US accounts require minimum processing of 5000.00
• International accounts need higher minimum of 50000.00

Durango sells payment processing equipment instead of leasing it, which saves money over time. Contract terms might vary since they partner with multiple banks for backend processing.

Adult dropshipping businesses can choose from domestic and offshore solutions. Offshore merchant accounts work in Canada, Panama, the United Kingdom, and most European Union countries. This makes Durango a solid choice for adult merchants who need global payment processing.

Best for eCheck Payments: SeamlessChex

Adult dropshipping businesses need alternative payment methods due to increasing payment restrictions. SeamlessChex is a specialized payment processor that focuses on eCheck and ACH payment processing. This makes it perfect for adult content merchants who need reliable alternatives to traditional credit card processing.

SeamlessChex key features

SeamlessChex, a 2012-founded company, provides complete payment solutions for high risk industries, including the adult sector. Their platform stands out in eCheck processing with these features:

• Quick and secure transactions for credit cards, eChecks, and ACH payments
• Account approval happens right away without long underwriting processes
• Strong fraud protection against chargebacks
• Subscription payments for adult content
• Easy integration with major eCommerce platforms
• ACH payments available the next day
• Services to verify customer payment information
• Online dashboard you can use from any internet-connected device
• Several payment gateway choices

SeamlessChex provides specialized adult payment processing through Paynote and Seamless Chex services. Paynote is a simplified version that lets you send and receive payments without making recipients create accounts. The main Seamless Chex service lets you accept eChecks and direct bank deposits.

SeamlessChex pricing and fees

The company shows all its prices clearly without hidden fees. Paynote users pay a flat rate per check. The main Seamless Chex service comes with different pricing plans based on how much you process, and you can try it free for 14 days.

Credit card processing rates change depending on whether you're an existing or new business. Existing businesses can get a free analysis that compares their rates to your current provider. New businesses can use their Clean Start model with competitive flat rates.

SeamlessChex lets retail businesses transfer processing fees to customers if they want. Their system reduces processing fees from credit card brands through interchange optimization.

SeamlessChex pros and cons

Pros:

• Expert handling of high risk industries including adult content
• Quick approval compared to traditional providers
• Money available next day for better cash flow
• Multiple ways to verify transactions
• A+ BBB rating since 2015 shows reliability
• Great customer reviews across platforms
• No fees to apply or set up
• Subscription billing support for adult content
• Advanced tools to handle chargebacks

Cons:

• You might need reserve accounts for potential disputes
• Your risk profile determines transaction limits
• Suspected fraud or too many returns can get your account suspended
• Customer authorizations need longer storage
• High risk accounts might get different contract terms

SeamlessChex contract terms

Low risk merchants can bill month to month without long contracts or early exit fees. High risk merchants, especially adult industry businesses using SeamlessMerchant, might see different terms.

The company might ask merchants to keep a Reserve Account for disputes and returns. The Third Party Sender decides the Reserve Balance and can change it with written notice.

Your financial and business history determines your transaction limits. SeamlessChex can change these limits or suspend services if they spot suspicious activity.

NACHA Rules say merchants must keep customer authorizations for two years minimum and show these records within three business days when asked. Your service might stop if you don't follow these rules.

SeamlessChex has earned trust among adult dropshipping merchants who need reliable eCheck payment solutions. They combine specialized high risk processing with flexible payment options.

Best for Subscription Billing: Corepay

Subscription-based models in the adult dropshipping industry need specialized payment processing solutions. Corepay has become a leading choice for merchants who run recurring billing systems. Their features are built specifically for adult subscription businesses.

Corepay key features

Corepay provides a complete suite of tools for subscription-based adult businesses. Their NetValve payment gateway serves high-volume, high-risk verticals. The system works among other products like CB-ALERT to protect businesses from fraud and chargebacks.

Key capabilities include:

• Quick account approvals within 24-72 hours
• Strong chargeback prevention through Order Insight by Verifi
• Multi-currency processing to reach global customers
• Mobile payment acceptance for customer convenience
• PCI-Level 1 secure payment gateway with round-the-clock monitoring
• Ability to handle high-volume transactions
• Chargeback alerts and risk protection tools
• Support available 24/7 for subscription merchants

We designed Corepay's subscription management system with intelligent payment orchestration. This helps businesses manage payments easily, increase revenue, prevent fraud, and process global transactions smoothly.

Corepay pricing and fees

Corepay uses custom pricing for high-risk merchants in the adult industry. They want to offer competitive processing rates that help maximize profits and support business growth.

Adult dropshipping businesses should expect these fees:

• Payment gateway monthly and transaction fees
• Merchant account monthly charges
• Chargeback fees
• Possible rolling reserve fees

Card scheme registration fees apply to high-risk merchants. Mastercard and Visa require yearly registration before processing payments.

Corepay pros and cons

Pros:

• 20 years old serving adult and high-risk merchants
• Better pricing compared to other high-risk processors
• Quick in-house pre-approval process
• Advanced transaction security measures
• Mobile payment options for modern customers
• Support team available 24/7
• Complete chargeback prevention tools

Cons:

• Bank approvals might take longer
• Most adult businesses face long-term contracts with early exit fees
• New accounts need rolling reserves
• Card networks charge high-risk registration fees
• You pay authorization fees even for declined transactions

Corepay contract terms

Adult subscription businesses usually get longer contract terms with Corepay than standard processors. High-risk accounts typically need a three-year original term.

These contracts usually include:

• Early termination fees, though Corepay rarely enforces them
• Automatic one-year renewals after the first term ends
• Rolling reserves for new accounts
• Three-year agreements with early exit fees

These terms might seem strict but reflect the risks of adult subscription businesses. Corepay stays transparent about their requirements and explains why adult merchant accounts need these safeguards.

Corepay gives subscription-based adult dropshipping businesses specialized features backed by industry expertise. Their focus on recurring billing makes them a reliable partner for high-risk adult space payment processing.

Best for Customer Support: PayKings

Good customer support can make or break your adult dropshipping business. PayKings, a 15-year-old industry leader in high risk payment processing, puts exceptional customer service at its core.

PayKings key features

PayKings' approach to adult payment processing centers on customer-focused service. Their 15 years of experience with high risk merchant accounts brings several standout features:

• Dedicated account managers assigned to each merchant
• 24/7 customer support accessibility
• Extensive experience with adult businesses
• Integration with major platforms like Shopify and BigCommerce
• Compatibility with Authorize.net and NMI payment gateways
• Advanced fraud protection systems
• Chargeback prevention tools
• PCI DSS Level 1 compliance for boosted security
• Support for multiple payment methods including Visa, MasterCard, Discover
• International merchant services capabilities

PayKings partners with 28 different banks, which helps them match adult merchants with the right financial institution for their needs.

PayKings pricing and fees

Each merchant gets a custom pricing structure from PayKings. Adult dropshipping businesses can expect:

• Starting qualified rate for high risk businesses at 2.49%
• Tiered pricing structure for most high risk accounts
• No application or setup fees
• Monthly fees based on merchant profile
• Potential gateway fees for eCommerce transactions
• Chargeback protection services available

PayKings keeps most pricing details private and customizes rates based on business type and transaction history. High risk merchants should expect higher rates than standard risk processors due to additional risk management needed for adult businesses.

PayKings pros and cons

Pros:

• Industry leading approval rates for adult businesses
• Quick funding options available
• Track record of over 10,000 approved merchants
• Expert guidance through adult merchant account applications
• Strong reputation for responsive customer service
• Clear communication about high risk requirements
• Support for recurring billing needed for subscription models
• API availability for custom integrations
• Multiple payment gateway options

Cons:

• Custom quotes mean limited pricing transparency
• Long term contracts with early termination fees likely required
• Rolling reserves might be placed on merchant accounts
• Rates higher than standard risk processors
• Tiered pricing model instead of interchange plus

PayKings contract terms

Adult businesses working with PayKings should expect these contract terms:

• High risk merchants need long term contracts
• Early termination fees fall within standard industry ranges
• Rolling reserves protect against chargebacks
• Underwriting team determines reserve accounts
• High risk accounts typically need two to three year contracts

PayKings knows adult businesses face unique challenges. They see higher chargeback rates and fraud risks. Their contracts protect both sides while keeping payments flowing smoothly.

PayKings shines for adult dropshipping businesses that need strong support and industry expertise. Their team helps merchants through the approval process and provides ongoing account management to keep payments running smoothly.

Best for Software Integrations: PaymentCloud

Software integrations are the foundations of successful adult dropshipping operations. PaymentCloud stands out by offering uninterrupted connectivity options. These options help streamline payment processing and work naturally with your business tools.

PaymentCloud key features

PaymentCloud's platform gives complete integration capabilities to high risk merchants in the adult industry. The platform connects with hundreds of business tools and eCommerce solutions, including:

• Major shopping carts like Shopify, BigCommerce, WooCommerce, and Magento
• WordPress and content management systems for adult content sites
• Business management tools such as HubSpot and Slack
• Multiple payment gateway options including Authorize.Net and USAePay

PaymentCloud offers a complete suite of payment processing tools designed for adult businesses. The platform includes advanced fraud prevention systems, chargeback management tools, and 24/7 security monitoring.

Adult dropshipping merchants get same day eCommerce setup with API accessibility. This makes connecting existing systems simple. The platform supports almost all payment methods - credit cards, ACH transfers, eChecks, mobile payments, and cryptocurrency.

PaymentCloud pricing and fees

PaymentCloud doesn't publicly share standard pricing because rates vary based on each merchant's risk profile. High risk merchants in the adult industry get custom pricing structures with monthly fees plus transaction costs.

The company wants merchants to talk directly with sales representatives about rates. PaymentCloud stands out by skipping common fees like application, account setup, gateway setup, and PCI compliance fees.

PaymentCloud pros and cons

Pros:

• Over 150 platform and tool integration options
• Free, same day eCommerce setup for online businesses
• Expert guidance through adult merchant account setup
• Advanced chargeback prevention tools vital for high risk merchants
• Strong security measures with PCI compliance help
• Personal support from dedicated account managers

Cons:

• No clear pricing - custom quotes needed
• Support only available during business hours
• High risk merchants might need long term contracts
• Equipment returns required when account ends

PaymentCloud contract terms

Adult dropshipping businesses usually need a two-year original contract. This is better than the industry's standard three-year term. Contracts renew automatically for one year after the first term.

Some merchants might get month-to-month agreements. High risk adult businesses should expect longer commitments though. PaymentCloud owns all equipment, which must go back when accounts end.

On top of that, merchants can buy terminals instead of leasing them. This saves money over time. The contract terms show PaymentCloud's focus on building lasting relationships with high risk adult merchants.

Best for Anonymous Payments: Instabill

Privacy-conscious customers in the adult industry need secure payment options. Instabill stands out by offering anonymous payment capabilities. The company has fostered strong banking relationships for adult merchants since 2001.

Instabill key features

Instabill's innovative gift card payment solution guarantees customer anonymity. The system works through these simple steps:

• Merchants place a widget on their checkout page
• Customers click the widget to purchase gift cards from major retailers like Amazon or Walmart
• Customers enter the gift card number and PIN to complete their purchase
• Merchants receive payouts via cryptocurrency or ACH transfer

Instabill's adult merchant services go beyond anonymous payments to include:

• Processing in over 160 currencies worldwide
• Payouts available in 18 major currencies
• Recurring billing solutions for subscription based services
• PCI compliant payment gateway
• Both domestic and offshore banking options

Instabill pricing and fees

The company employs a custom pricing model that adapts to each business. Standard fees include:

• Merchant account fee
• Transaction fee
• Discount rate
• Registration fee
• Monthly statement fee
• Chargeback fee
• Refund fee

Offshore accounts need a rolling reserve fund between 5-10 percent of weekly sales. This reserve helps protect against chargebacks and gets released after six months.

Instabill pros and cons

Pros:

• Anonymous payment options perfect for privacy conscious customers
• Strong track record with adult merchants since 2001
• International banking relationships boost approval chances
• Quick application processing with approvals within two weeks
• Cryptocurrency payout options

Cons:

• Customer support runs only 8AM-6PM EST, Monday-Friday
• Most accounts require rolling reserves
• Contracts typically run long-term
• Fees exceed standard risk processor rates

Instabill contract terms

The application process requires several KYC documents. Adult toy merchants must submit business plans, personal identification, banking references, and processing history.

Instabill presents your application to suitable banking partners after document submission. Approved merchants receive contracts that specify:

• Reserve fund requirements
• Payment schedules (daily or weekly options)
• Settlement currency options from 18 major currencies
• Termination clauses and conditions

Instabill supports merchants throughout their account lifecycle and provides ongoing consultation beyond the original setup.

Comparison Table

Conclusion

Standard payment processors don't deal very well with adult dropshipping's unique challenges. Adult businesses need specialized payment solutions because they're classified as high-risk ventures and face extra scrutiny.

Your adult dropshipping business's growth and stability depend heavily on picking the right payment processor. Base your choice on processing fees, contract terms, and how well it works with your systems. Think over your business's specific needs, who your customers are, and where you want to be down the road.

Most processors will ask for detailed documentation and might hold rolling reserves to reduce risk. The fees run higher than regular merchant accounts, but adult businesses find value in these specialized services.