Adult Sex Doll Merchant Account

As a high-risk payment gateway solution and as a high-risk merchant account provider, Bankcard provides all the services your business may need to accept payments, including access to advanced capabilities that will grow your company.

Getting started takes one minute

Bankcard was referred to me by my developer. From the jump, they were impressive. They were super responsive, they asked great questions and their solution was really robust. Also, working with Katherine and Hanna is a dream!
High risk merchant account
Emily Wallace

Adult Sex Doll Merchant Account​ Overview

Merchant Accounts for Adult Sex Doll Businesses

The adult sex toy industry is slated to grow by $9.92 billion from now through 2023, making it an exceptionally successful industry worldwide. Yet despite these numbers, US payment processors are reluctant to accept merchant accounts for adult sex dolls businesses. Typically, adult sex dolls merchant accounts are denied payment processing services, no matter how successful they are.

If you own or manage an adult sex dolls business and you’ve been denied by a gateway payment company, you’re not alone. A number of industries — including many that are economically booming worldwide — have a next-to-impossible time trying to get payment processing services. Banks and credit card companies have designated these industries as “high-risk,” for reasons that often have little or nothing to do with how much revenue they bring in.

Fortunately, you can get the help you need for your high-risk business, thanks to Bankcard. Bankcard specializes in providing merchant account services — including credit card processing, mobile app, e-check, and online payment options—for businesses in high-risk industries. In addition, Bankcard offers payment and tracking tools, automated billing and invoicing, and a variety of payment processing solutions to streamline your business, increase your profits, and boost revenues.

Which industries are “high-risk”?

Here’s a partial list of these so-called “high-risk” industries:

  • Adult sex dolls, sex toys, and novelties
  • Adult entertainment venues and services
  • Adult websites
  • Subscription billing
  • Cannabis
  • Nutraceutical products
  • Online dating
  • Fantasy sports
  • Property management
  • Travel and tourism
  • Guns and ammunition
  • Independent health and beauty
  • Pay-day lending
  • Pawnshops
  • Online gambling
  • Collectibles/antiques

Exactly why are adult sex dolls and toys on this list? There are a number of factors, but the primary culprit is chargebacks.

How Chargebacks Impact Your Reputation

Chargebacks refer to the refunds issued to credit cardholders. Customers typically request chargebacks because they’re not satisfied with a product or service, or because something wasn’t delivered or arrived damaged. Every business has to deal with these, and for most industries, the chargeback rate hovers around one percent.

However, some industries suffer an inordinately high number of chargebacks, and the adult entertainment industry is among them — which impacts merchant accounts for adult sex dolls businesses. And specifically for the adult industry, one reason for this is “friendly fraud.”

Friendly fraud

“Friendly fraud” refers to chargebacks that occur when customers authorize a charge, and then later claim that the charge was unauthorized and ask for their money back. This often happens because customers simply changed their minds about a product, but it can also happen when customers feel pressured to revoke a charge. With adult realistic sex dolls and other sex products, a customer’s spouse, significant other, or employer might accidentally discover the purchase, thereby pressuring the customer into denying it and claiming it as a fraudulent charge. Statistics indicate that, by 2023, one in every ten chargebacks will involve friendly fraud.

“Friendly fraud” chargebacks usually don’t involve malicious intent, but the adult entertainment industry is also prone to a higher level of criminal activity, which includes fraudulent chargebacks as well.

Chargebacks are a major headache for merchants, banks, and payment processors because they can cut into profits and impact revenues. And for certain industries, including the adult entertainment industry, high chargeback ratios prevent companies from being able to offer basic credit card processing services. As you’ll read below, Bankcard offers a variety of tools that can help businesses decrease this ratio, even in the high-risk adult novelty business.

In addition to chargebacks, other high-risk behaviors involve remote charges, cybersecurity problems, and regulatory issues.

Card-not-present transactions

“Card-not-present” (CNP) transactions refer to credit card transactions conducted online or over the phone, where the credit card isn’t physically swiped. Instead, the numbers are typed in manually or processed automatically. CNP transactions present a higher risk to financial institutions because they lack any personal verification of the credit card. Approximately 45 percent of all credit card fraud cases in the US involve a CNP transaction.


It’s an unfortunate fact that the adult entertainment industry has long been associated with higher levels of crime, including cybercrime. Adult websites and merchandise sites for adult sex dolls and toys are particularly vulnerable to hacks and security breaches. One reason for this is the “underground” nature of the adult industry. While most vendors are honest and reputable, the industry has its share of bad actors, in the form of dishonest merchants. Cybercriminals know this, and bank on their crimes not getting reported to the authorities.

For gateway payment processors, however, this necessitates adding extra levels of cybersecurity for these sites, which is time-consuming and can cut into profits. And even with heightened security, the risk is still there — which is why many payment processors won’t work with adult sex dolls merchant accounts.

Regulatory issues

Certain industries, including those involving cannabis, e-cigarettes, love dolls, and adult toys and products, are more highly regulated and have age requirements for their usage. By agreeing to work with these industries, a payment processor has to follow a number of state and federal regulations — and this involves extra time-consuming (and costly) due diligence work. Even if your doll business is high-end and successful, the amount of work involved for compliance might make credit card processors shy away from working with you.

Social stigmas

Some financial institutions still consider adult entertainment to be an “underground” industry, stigmatized by society as having a shady reputation. This same attitude affects a number of lucrative industries, including cannabis. Because of this, these financial organizations don’t want to associate themselves with an industry that, in their opinion, might reflect badly on their own reputation. Fortunately, as the 21st century progresses, this attitude is beginning to wane, but it’s still prevalent among many financial companies.

As you can see, when it comes to merchant account payment processing, everything is ruled by financial companies. And more specifically, it’s dictated by underwriting.

Underwriting and payment processing

“Underwriting” is simply another term for financial backing. When you take out a loan from the bank, it is underwritten by the bank, and by the financiers who provide financial backing to that bank. In much the same way, financial organizations underwrite payment processing companies. If a merchant account falls under the high-risk category, then a payment processing company might risk jeopardizing its financial underwriting by taking that account. Since merchant accounts for adult sex dolls fall under the high-risk category, they’re typically denied payment processing services.

Likewise, if you own an adult sex dolls company, you might have applied for Paypal, Stripe, or Square, and initially gotten approval — only to see your account immediately canceled during your first credit card transaction. Once automated payment processors discover your industry, many of them will drop your account with no warning.

Even if you’ve experienced multiple denials, the good news is that you actually can get merchant account processing approval. But to get approved, you’ll have to follow a number of steps — and the best way to get approval is to get help from a high-risk merchant account specialist like Bankcard. Bankcard offers a full roster of payment processing services for adult sex dolls merchant accounts, plus valuable tracking, invoicing, and security tools so you won’t have to spend your valuable time doing bookkeeping or tracking down payments.

Perks of merchant account processing services

Is it really worthwhile having payment processing services? The answer is a resounding yes. Statistics show that customers prefer credit cards above all other types of payment, especially for retail purchases. Here’s how it can benefit your adult sex dolls business to offer automated payment options:

Automated payment options

For many consumers, there’s nothing more convenient than using a credit card. And with a credit card processing account, you’ll also be able to provide options for e-check, debit card, and mobile app payments. In addition, you’ll also be able to take a variety of different currencies via automated payments, which means that you can even sell globally if you wish.

Payment tracking

Tracking payments can be tedious and time-consuming; but a payment processor will automatically track your payments, from the point of sale until the payment is processed and in your bank.

Invoicing and billing tools

A payment processing account gives you the tools you need to send automated bills and invoices, eliminating time-consuming bank statements, paperwork, and bookkeeping.   

Secure payments

If you’ve ever dealt with bad checks, you know what a headache it is to track down customers and try to get payment. With automated payments, including e-check processing, you’ll never have to run the risk of bad checks again. Plus, automated payments are processed through a secure server with state-of-the-art security protocols and encryption.

Competition and professionalism

The adult sex dolls industry is growing more and more competitive, with companies developing more realistic models each year. With the emergence of lifelike silicone dolls and high-tech models, you have to be on the cutting edge of your industry. Toward this end, in order to retain customer loyalty and grow your business, it’s essential to provide a streamlined experience for your customers, as well as maintain a professional image. If you can’t take basic automated payments, it could make your company look less professional, and even less reputable, especially when compared to your larger competitors. By providing a full roster of automated payment options, you’ll show that you can compete with anyone, including larger corporate chain stores.

Tips for getting payment processing approval

First and foremost, it’s crucial to get help from a high-risk payment gateway specialist. A specialist can provide a shortcut through the approval process, even if you’ve been denied multiple times. In addition, you can streamline the process by following these simple steps:

  • Keep your paperwork: Payment processing companies often request bank statements going back for at least half a year, plus tax returns going back several years.
  • Try to save some cash: A healthy bank account is a plus when applying for gateway payment services.

There’s one more vital tip, and it has to do with our old friend chargebacks…

Reducing chargebacks

Decreasing your chargeback rate can not only help you get approval but also boost your profits. For the adult sex doll industry, here are two specific strategies:

  • Provide full disclosure on products and policies: Adult sex dolls, like lingerie, are often not returnable. Be sure to give full and accurate descriptions of your products, so customers know exactly what they’re paying for. Also, be clear about your return policies.
  • Use discretion in billing: If your company name reflects your association with the adult entertainment industry, use another, more discreet name in billing and invoices. This ensures your customers’ privacy. Likewise, it lessens the number of friendly fraud chargebacks that occur when customers’ purchases are accidentally discovered by other people.

Bankcard offers a variety of tools that can help you decrease these damaging chargebacks. They include Address Verification Service (which automatically checks for matching billing addresses in a transaction), credit card security code monitoring, and 3-D Secure Protocol, which validates identity across different devices.  

Choosing the best high-risk payment processing company

In recent years, a number of high-risk payment processing specialists have entered the market. Some specialize in specific industries, such as cannabis or e-cigarettes, while others might provide only a limited number of payment processing options.

Before you choose a high-risk payment processing specialist, it’s crucial to find out whether or not they work with merchant accounts in your industry. And even if they do, they might not work with your specific type of business. For example, some companies may work with adult entertainment venues, but they might not accept adult sex dolls merchant accounts. Also, make sure they offer a full roster of payment processing options for your customers. For example, Bankcard offers a comprehensive package of merchant services that includes all types of payment processing for online stores, including credit card payments, e-checks, and mobile apps.

Here’s what to look for in a high-risk merchant account specialist:

Fair prices and full disclosure

Invariably, high-risk merchant account companies charge higher fees, because they’re taking a higher financial risk. These fees should be reasonable, however. If the fees seem ridiculously high or are much higher than those of similar companies, view this as a red flag. Additionally, a reputable merchant account specialist will provide full disclosure on all fees, so you’ll know exactly what you’re paying, and why.

As a service provider for high-risk businesses, Bankcard offers affordable prices for adult merchant accounts, no matter what your business type may be.

Also, Bankcard charges the exact same fees for every credit card, whether it’s Mastercard, VISA, Discover, or American Express. If a company charges different rates for different cards, you probably should look somewhere else.

Multiple payment options for your customers

Some high-risk merchant account companies offer limited payment options. A good high-risk payment processor should offer a wide range of payment methods, enabling you to provide a variety of automated payment methods to your customers, including credit cards, e-checks, debit cards, and mobile app payments.

In addition to a full roster of payment processing options, Bankcard also offers high-risk credit card processing tools that accept and process transactions online in a secure, streamlined manner. Plus, we integrate with a vast 99.99% of payment gateways globally.

Secure servers

A top-notch merchant account company will use secure servers, with next-gen cybersecurity protections and encryption so there’s no risk to you or your customers.

How Bankcard Can Help Your High-Risk Business

No matter what your payment processing history has been, if you’re ready to take your adult sex dolls business to the next level, Bankcard can help. Bankcard is the #1 payment processing specialist for all types of adult businesses, including adult sex dolls stores, adult websites, cam sites, sex toy/novelty sites, dating apps, strip clubs, lingerie e-commerce sites, and gentlemen’s clubs. In fact, we’re one of the first payment processing specialists to work with the adult entertainment industry. And when it comes to merchant accounts for adult sex dolls businesses, we’ve had years of experience working with the adult industry, so we understand the financial services that are essential for adult entertainment merchants of all kinds.

Getting started takes one minute

Bankcard was referred to me by my developer. From the jump, they were impressive. They were super responsive, they asked great questions and their solution was really robust. Also, working with Katherine and Hanna is a dream!
High risk merchant account
Emily Wallace


Bankcard Connect plays nice with others

Bankcard Connect integrates seamlessly with ISV software to simplify payment processing for merchants: any payment type, on any device, anywhere. 

Bankcard integrates with over 99% of the tools you are already using, including popular accounting software and e-commerce apps, regardless of your industry. Our payment services were designed to be adaptable to provide seamless integrations for our customers.

merchant account integrations c

Microsoft Dynamics
Network Solutions

Event Espresso
events manager
Paid Memberships Pro

Drupal Commerce


911 Software, Inc.
ACR Systems
Aldelo Systems, Inc.
Applied Micro Technology
Advanced Retail Management Solutions (ARMs)
Auto star
Cantaloupe Systems
Data Business Systems
Datacap Systems, Inc.
DataTech Corp
Edgil Associates
Epicor (CRS, NSB)
Freedom Pay
Gateway Ticketing Systems
Idalica Corp
IJN Systems
IT Retail
Main Street Softworks
MBS Textbook Exchange
Medasyst, Inc.
/n Software, Inc.
PC America
RATEX Business Solutions
Retail Data Systems
RTL Payment Systems
ScanSource, Inc.
Sicom Systems, Inc.
Slim CD
Tempus Technologies
Tender Retail Systems
The Software Mills
Tomax Corporation
Total Computing Solutions
TouchNet Information Systems
XProtean, Inc. (C-Payment Software)
XPient Solutions
Vista Entertainment Systems

911 Software, Inc.
Data Business Systems
Datacap Systems, Inc.
Main Street Softworks
Menusoft Systems Corp.
Micros Systems
Midnite Express, Inc.
/n Software Inc.
Radiant Systems
Revel Systems
Sicom Systems, Inc.
Squirrel Systems
Tempus Technologies
XPient Solutions
XProtean, Inc. (C-Payment Software)
Elavon (previously Southern DataComm and Global Card Services)

Dresser Wayne
Fuel Links
Fiscal Systems, Inc.
LOC Software
Main Street Softworks
Petro RX
Radiant Systems
VeriFone Ruby System

Datacap Systems
LOC Software

911 Software, Inc.
Hotel Software Systems
Slim CD
Tempus Technologies

Government organizations face a growing need for secure payment processing services while managing highly specific needs for content management and security. 

We can work with popular technology products government agencies prefer, like Ciber and Cubic, to create an integrated solution that meets all your needs for processing payments, managing information, and more.

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We partnered with Bankcard in 2017 and they've been there for us every time. Everything is super fast and I love how well they communicate with our staff. They really know their stuff, and we work in a very complex industry! My account executive knows our business inside and out.

Alexandria, CMO
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FAQs: Table of Contents

Accepted Industries and Countries​

The industries we accept for high risk merchant accounts include, but are not limited to the below industries.

  • Adult merchant account
  • Bad credit
  • CBD
  • Credit Repair
  • MLM
  • Nutraceuticals
  • Payday loans
  • Private airlines
  • Subscriptions
  • Travel
  • Vape & eCig
  • Illegal business activity
  • Businesses without the proper license
  • Illegal drugs (CBD with less than 0.30% THC is acceptable)

Bankcard can provide merchant accounts to customers in the below countries. Kindly note that many payment solutions are regulated based on location.

  • Andorra
  • Austria
  • Bear Island 
  • Belgium
  • Bulgaria
  • Canada
  • Channel Island
  • Croatia
  • Cyprus
  • Czech Republic
  • Denmark
  • Estonia
  • Faroe Islands
  • Finland
  • France
  • Gibraltar
  • Greece
  • Greenland
  • Hungry
  • Iceland
  • Ireland
  • Isle of Man
  • Israel
  • Italy
  • Latvia
  • Liechtenstein
  • Lithuania
  • Luxembourg
  • Malta
  • Monaco
  • Germany
  • Netherlands
  • Norway
  • Portugal
  • Romania
  • San Marino
  • Slovakia
  • Slovenia
  • Spain
  • Sweden
  • Switzerland
  • Turkey
  • United Kingdom
  • United States
  • Vatican City

Being a start-up business will not hinder a business from getting approved for a merchant account. While having a processing history helps your likelihood of getting approved,  the lack of processing will not necessarily stop you from getting an approval. Consult an experienced Account Executive today to learn more. 

There are never guarantees when it comes to the approval of a merchant account. However, we do work with merchants that have low credit scores. Reach out to an Account Executive today for a consultation. 

If you’re a United States citizen applying for a merchant account for a United States registered business, a social security number is required. 

A merchant account can be labeled high risk for many reasons. You can be labeled as such due to high average tickets, being in an industry that historically has high chargebacks, or an industry that tier one banks do not support.

Applying for a merchant account

To apply for a high-risk merchant account, you need to complete our pre-qualification form and upload all required documentation. Once the pre-qualification is complete your Account Executive will locate the best placement for your account, and send you a final agreement. Once that final agreement is signed, underwriting will complete a full package review for approval. 

There is no fee to apply for a merchant services account with Bankcard. However, If you get approved with us there may be a small setup fee for your gateway account.

Square, Stripe, and Paypal are all payment facilitators and do not accept high-risk merchant accounts. Signing up with Bankcard gives you a direct merchant relationship with a sponsor bank. The approval process requires more documentation, but you’re at a significantly lower risk of getting terminated.

This depends upon how quickly you, the merchant, completes our pre-qualification form. Once we have all of your documentation, we get to work. We can typically locate placement for your merchant services account in 48 hours.  

Once you get an approval, you’ll be able to accept credit card payments within 24 business hours. 

Depending upon the program, you will receive your funds anywhere from 24 to 72 hours after the batch is settled. 

The industry type is a major determining factor when it comes to risk levels of merchant services. But, other factors such as credit, card-present vs not present, and chargeback ratios can also push an account into the high-risk category as well. 

Completing the Application

Your legal business name should match the business name on the state business registration or licensure. However, if you are a sole proprietor, your name would be the legal business name. 

If you’re not sure how much processing you’ll do, we recommend applying for $5,000 to $10,000 monthly. You don’t need to hit that number each month, but if you’re close to going over, reach out to your Account Executive for assistance. 

Your average transaction amount should be the average of all transactions you would accept with your merchant account. Your maximum transaction should be the anticipated maximum amount accepted in one transaction. If you attempt to process a transaction that is higher than the maximum amount provided, additional proof of purchase may be requested. 

You may provide personal bank statements in lieu of bank statements if your business bank account is new or does not have any activity. 

If you’re applying for a merchant account for ecommerce processing you will need a fully functional website with products or services listed with associated pricing. 

Yes, a credit check is required in order to obtain a high-risk merchant account. Once a final agreement is signed, a hard credit pull is done.  Credit scores are taken into consideration when underwriting reviews a full application for merchant services. 

If you’re a United States citizen applying for a merchant account for a business registered in the United States, your social security number will be required to apply. 


The first step to applying for a high-risk merchant account is completing the pre-qualification form. Three months bank statements, three months processing statements (if applicable), a voided check or bank letter, and driver’s license or passport will be required to apply. 

If your business does not utilize checks, we can accept a bank letter that includes your full account and routing number as well as the business or account holder’s name. The letter should be on bank letterhead, be dated within the last 30 days, and be signed by a bank representative. 

If you don’t have three months of business bank statements, don’t fret. We can accept three months’ personal bank statements from a business owner, or director. 

Bank statements show a lot about a prospective merchant, namely, processing activity, and the average monthly ending balance. If a merchant is currently processing, we want to know why they’re switching, if we know a merchant’s pain points we can find better solutions for their needs. The average monthly ending balance is also relevant to show financial stability within the business as well as validating the monthly volume requested.

If a merchant is currently processing credit card payments and successfully managing a merchant account this can increase the likelihood of getting approved. Some payment facilitators such as Paypal, Stripe, and Square might not supply monthly processing statements. Underwriting may request login credentials so they can get an overview of the processing activities. 

Equipment and Gateways

For in-person retail card acceptance, Bankcard can provide equipment that will arrive programmed and ready to accept payments. Discuss your equipment options with your experienced Account Executive.

Here at Bankcard, we do offer our own gateway solution that’s exclusive to merchants that sign up with us. Of course, if there’s a gateway you prefer we are willing to work with you as long as integration is possible. Please reach out to your dedicated Account Executive for details. 

Bankcard integrates with NMI,, and more. For specific gateway integration questions reach out to an experienced Account Executive. 

Your merchant account will be set up to accept Mastercard, Visa, American Express, Discover, and ATM cards. 

Load balancing is the strategy of spreading transactions over more than one MID. It’s not necessary for all high-risk accounts, but can be considered as a way to manage chargeback ratios with high-risk merchants. 

Existing Merchant Accounts

Not to worry, this number can be increased as needed. However, the bank underwriting your merchant account needs to be aware of the expected monthly volume to ensure they have capacity available for all merchants processing with that bank. 

If you go over by a small amount you might be asked for a copy of the invoice or receipt. However, if you go over the monthly limit by a large amount there is a chance your excess funds might be held temporarily. 

When it comes to high-risk accounts, banks ideally want chargeback ratios below the 3% threshold. If you can provide long term processing history the bank may take this into consideration. Lower chargeback ratios are ideal. Consult your knowledgeable Account Executive for assistance in lowering your chargeback ratio. 

Rolling reserves are a way to financially protect the processing bank from potential losses from chargebacks or refunds. Not all high-risk merchant accounts require a rolling reserve. The risk department will determine if and when a rolling reserve is required. 

Interchange fees refer to the issuing credit card brand fees such as Mastercard, Visa, Discover, and American express. These fees vary depending on the card type, American Express tends to be the most expensive card to process. Interchange rates can range from 1% to 2.5%. 

Of course! Once you’ve established a healthy processing history, you may reach out to your Account Executive for a rate review. We recommend only doing this if your processing history shows low chargeback ratios and relatively low refund activity. 

You may request an increase in your monthly volume at any time. However, it’s recommended to wait until your merchant account reflects healthy processing history as well as financial stability from your bank statements. 

Reach out to our support team, or your dedicated Account Executive for any account-related updates you may need. 

Depending on the program your merchant account fees are either taken at the beginning of each month. Some programs require daily discounts. Program details will be notated on your final agreement and if you have further questions you can always consult your Account Executive. 

ACH payments

Bankcard can assist with ACH or eCheck services. An application and approval process still applies to this service, or it can be an added service with your processing account. Reach out to your Account Executive for details. 

The approval process requires less documentation than applying for a merchant services account. And if you’re already processing with Bankcard an approval can be expedited. 

Every account is different, however, most programs allow next-day settlements for ACH transactions. 

ACH payment acceptance can be integrated into most website platforms. Reach out to a dedicated Account Executive for more information. 

Pricing and Approval

High-risk merchant accounts are priced higher than low-risk accounts because fewer banks are willing to work with businesses labeled “high risk”. Banks also need additional financial protections from loss on these accounts.  

Bankcard will always provide fair pricing based on the risk level of every merchant. And if a current processing statement is provided we’ll do everything in our power to beat the merchant’s current rates. 

While we love working with merchants that are considered high risk. There are limitations put in place by bank and card brand rules. If a merchant does not abide by the specific program rules described by the Account Executive assisting them we cannot ensure an approval.

Think of merchant accounts as a loan or a line of credit. And processing banks take on the risk of transactions getting charged back. Banks can end up liable for the actions of merchants, a problematic merchant can damage the reputation of the bank funding and processing the transactions.