Credit card processing for adult toy websites

Trying to sell adult sex toys online? We can help. As you are probably learning, to accept credit cards on your website you have to overcome some hurdles that other site owners don’t. You will need a high-risk merchant account. Finding the right high-risk credit card processing, with fair terms and honest pricing, is challenging even when you are familiar with the territory. This is especially true when you have a specific shopping cart or site builder you need to integrate your adult toy credit card processing with.

With more than 20 years of industry experience behind Tower Payments, we have significant expertise in the field of high-risk merchant accounts, online payments, and high-risk shopping cart compatibility. If you’re ready to launch your adult toy site, please contact us today. We’re more than happy to talk to you on a one-on-one basis. This conversation allows us to provide you with a merchant account that not only works with adult toys but also works with the shopping cart of your choice.

If you’re still looking for more information we’ve brought together some insights from our years of experience below.

Does Shopify Payments or Stripe allow adult toys?

Maybe. And that is the problem. Unfortunately, most businesses who provide products or services that are sexual in nature are considered high-risk by most big processors, banks, and aggregators. Most processors like Stripe or its sister, Shopify Payments, have open-ended or expansive passages either refusing their services to adult merchants or making it vague enough to cause a site owner real concern.

For example, PayPal mentions that “certain sexually oriented materials or services” are prohibited. Stripe takes it a step further stating that “pornography and other obscene materials (including literature, imagery, and other media)” Do you want to base 100% of your websites cash flow on vaguely worded prohibitions? Are you confident that your adult toy advertising or packaging would not be considered “obscene imagery” by someone deep inside a silicon valley compliance department?

We strongly advise all adult toy merchant to seek out credit card processing that is specifically catered to their industry. A quick online search of “my credit card processor shut me off” will make it clear that shutdowns, held funds, and unpleasant surprises do happen. Let us help you get set up correctly the first time. Read more about us here or contact us using the form at the bottom of this page. 

Why adult toys sites are considered high-risk

The case of adult toys businesses being classed as high-risk is peculiar. Often, they are considered high-risk because of their social connotations. While this is marginally oversimplified, it is still accurate to say that more orthodox businesses deem adult toys along similar lines to other adult industry niches which are evaluated with greater scrutiny.

Social connotations and restrictions

For companies such as PayPal, Stripe, or Square there is a fair bit of finger pointing in terms of why they shy away from adult toys. Whether it be their shareholders, potential financial risks associated with a slightly elevated chargeback risk, or whether it is prohibited because they can’t reconcile the industry with their brand, the reasons seem thin. At the end of the day, it doesn’t change the fact that the adult toys business is either vaguely or explicitly prohibited by most large institutions and processors. Luckily, we can help. 

More on chargeback rates and adult toys

Unfortunately, there are still remnants of embarrassment or caution involved for many people when purchasing sex toys. There may even be a lingering social stigma working against your adult toys products. Buyers might deny having made a purchase to their credit card company, regardless of the fact that they intentionally made the purchase. Whatever the motivation, there is a relatively higher chance of chargebacks for adult toys and products. High chargeback rates are one of the most common reasons why any industry is determined to be high-risk.

Age restrictions and legal gray areas

While sex toys are under fewer restrictions than other adult industry niches, there are multiple zoning laws in place for adult-oriented products.  These zoning regulations established by local governments can make the adult industry hard to navigate. With zoning laws in mind, and with the addition of age restrictions, the risks involved are considerable enough for major credit cards and banks to deem the adult toy industry high-risk. In reality, though there are many industries that are far more regulated than online sex-toys yet have fewer challenges accepting credit cards online. 

What shopping carts work with adult toy payment gateways?

Even with the restrictions and hurdles we’ve just discussed – with chargebacks, legal gray areas, and not overly eager merchant service providers – there’s still plenty of alternatives that work perfectly for online adult toy businesses. To help you along the way we’ll give you a couple of suggestions that we know are potential great fits for adult toy sites.

In order to process credit card payments for adult toys, you’ll want either a more fully fledged e-commerce platform, or other shopping cart software. We’ll provide you with some quick tips for platforms and solutions that we know from experience will work for adult toy sales.

First, we’ll look at full-service e-commerce platforms, as many prefer a more robust solution. Second, we’ll quickly outline our favorite open-source solution. Open-source setups are more flexible and offer a greater range of freedom when creating your adult toy e-commerce store.

Complete e-commerce platforms that work for adult toy sales

When it comes to complete e-commerce platforms, there are two examples in particular that work well for adult toy sales. If you’ve been selling high-risk products for a while, you’re likely to have come across these brands. The two we have in mind are Shopify and BigCommerce.

Shopify for processing for adult toy payments

Shopify makes it very easy to get a great looking e-commerce site set up with little to no coding experience. However, as an adult toy business, you may need a specialized processing setup. Unfortunately, Shopify’s out-of-the-box payment system, Shopify Payments, isn’t always ideal for your business type. Of course, we strongly recommend double-checking their terms and conditions for yourself.

At Tower Payments, we offer adult toy credit card processing services that integrate smoothly with Shopify. With our fair, honest processing costs and up-front, clear terms combined with the ease of use and fantastic features of Shopify – your adult toys website will be in great hands.

If you’d like to know more about it, please see our dedicated article for how to process credit cards for adult toys with Shopify. If you’d like to get started now, don’t hesitate to get in touch with us here. We look forward to helping your business grow!

BigCommerce for processing credit cards for adult toy sales

BigCommerce is a great full-service e-commerce platform with a simple drag-and-drop site builder. It works very well for high-risk business types, such as online adult toy sales. An added benefit to BigCommerce is that they do not charge a surcharge if you integrate your own, stable high-risk processing on the back end.

Luckily, our processing will give you great rates when accepting credit card payments for adult toys with BigCommerce. We always focus on offering rates that are fair and affordable. Combined with our upfront terms and always above-and-beyond customer service, you’ll get the processing you need to grow your business with confidence.

If you’d like to get started processing credit cards for adult toys using BigCommerce, contact us here. We look forward to helping your business succeed!

Open-source recommendations for adult toy e-commerce

While there are certainly many great shopping carts and e-commerce platforms that work for a wide range of high-risk businesses, some are more suited to specific business types than others.

As we mentioned, both BigCommerce and Shopify are great solutions for adult toy sales, although we tend to prefer BigCommerce. However, you might prefer an open source solution. The good news is there is a great open source platform that fits the bill for adult toys e-commerce: WordPress with WooCommerce.

The WooCommerce plugin for WordPress is a great way to process credit cards for online adult toy sales. Both WooCommerce and WordPress are built on an open-source foundation. This means that you’re basically free to use the software as you see fit. There’s less red tape on behalf of WooCommerce and WordPress.

If you’re ready to get started processing payments for your adult toys through WordPress and WooCommerce, get in touch with us today. We look forward to making payments the last thing you need to worry about!

Is it a good time to sell adult toys online?

Yes. Adult toys have become far more accepted over the years. Only until recently, items made for this purpose could not be marketed as such. Often were sold under the guise of facial massagers or vaguely labeled as beauty products. These days, however, there is an endless variety of the types of adult toys available, and their unique purposes are openly stated wherever they’re sold.

The sex toy industry has boomed dramatically over the last two decades, reaching $15 billion in 2016, and projected to reach up to $50 billion in 2020. The social connotations attached to any adult industry makes the industry classified as high-risk. However, there are great credit card processing options out there. We can help you start accepting payments for your various adult toy products through our sex toy recommended high-risk merchant accounts. We will be able to provide you with insight and expertise. Allowing you to approach many practical aspects of running the financial side of your adult toy e-commerce site with confidence is our #1 goal.

You need a high-risk credit card processing for an adult toy website

High-risk merchant accounts allow you to accept and process credit card payments for your adult toy products without fear of an unexpected, unfair shut down due to industry type. If you’re just getting started in setting up your adult toy online store, finding high-risk credit card processing with clear fair rates can be very challenging. Especially if you’ve just discovered that your business is considered high-risk and may be required to have certain restrictions and considerations in place. However, at Tower Payments, we specialize in finding credit card processing for a variety of high-risk industries. We can find the right merchant account for you, without any hassle on your part. 

As you can tell, there are many aspects that play into why your adult toy business is categorized as high-risk. These reasons also feed into why you need a high-risk merchant account. Contrary to standard merchant accounts, adult high-risk merchant accounts are exceptionally well suited to deal with instances of high chargeback rates or fraud prevention. They are also equipped to deal with the legalities that pertain to the industry. That said before you launch your adult toy site you ought to seek legal counsel. It’s always important to ensure your business follows all local, state, and federal laws.

How we can help your sex toy site accept credit cards

Over the years, we’ve helped numerous high-risk businesses get their payment processing up and running. Our expertise is in credit card processing for high-risk industries. With us, you will partner with someone who is familiar with the high-risk finance environment, and who also cares about your business. High-risk credit card processing is what we do. Contact us using the form below, even if you only have a question or two.