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. 

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.