Credit card processing for adult toy websites

Are you trying to sell adult sex toys on your company’s website but need to find credit card processing that works with your shopping cart? Tower Payments can help.

To accept credit cards on your adult toy – or sex toy – website, you will need the right payment gateway and high-risk merchant account. Unfortunately, finding sex-toy-friendly 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 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 high-risk e-commerce merchant accounts, online payment gateways, and high-risk shopping cart compatibility. So if you’re ready to launch your adult toy site, please click start at the bottom of this page.

Questions about sex toy credit card processing?

We’re happy to talk to you about your business and help you set up credit card processing. We will answer your questions, provide pricing in writing, and even assist with shopping card integration one-on-one. We find that a brief, no-pressure conversation allows us to provide you with credit card processing that works with adult sex toys and the shopping cart of your choice.

If you’re still looking for more information, below we’ve brought together some insights from our years of experience helping adult toy website owners thrive. 

Do Shopify Payments, PayPal, or Stripe allow adult toys?

Shopify Payments, Stripe, and PayPal allow some sex toy websites and prohibit others from using their services. Unfortunately, it depends, and that is the problem. Many business owners find themselves in the terrible position of losing their payment gateway without notice due to violating allowed-use policies. Worse yet, many businesses have had their money held and their payment processing accounts shut down. If this has happened to you – let us help. 

Why do Shopify Payments, Stripe, and PayPal prohibit some sex toys?

Unfortunately, most businesses that provide products or services that are sexual in nature are considered high-risk by most big processors, banks, and aggregators. Like PayPal, Stripe, Shopify Payments, and WooCommerce Payments, most online credit card processors have allowed-use policies either refusing their services to adult merchants altogether or restricting sales significantly enough to cause an adult toy site website owner real concern.

For example, PayPal mentions that “certain sexually oriented materials or services” are prohibited. Stripe takes it a step further, stating that “obscene materials are not allowed.” Processors like Shopify Payments and WooCommerce Payments are “Powered by Stripe” and generally follow its terms and prohibitions. 

Here are some important questions you must ask yourself. Do you want to trust 100% of your website’s cash flow to Stripe or PayPal’s vaguely worded prohibitions? Are you confident that your adult toy advertising or packaging would not be considered “obscene imagery” by someone deep inside a “big tech” compliance department? 

We strongly advise all adult toy merchants to seek out credit card processing specifically catered to and underwritten for 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,  or contact us using the form at the bottom of this page. 

Why adult toys sites are considered high-risk

The case of adult toy 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 accurate to say that more traditional credit card processors deem adult toys along similar lines to other, more high-risk adult industry niches.

Social connotations of adult products and payment processing restrictions

For companies such as PayPal, Stripe, or Square, there is a fair bit of confusion online as to 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 motivations seem thin. But, regardless of the reason, the fact is that most large merchant account providers either vaguely or explicitly prohibit the adult toys business. 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 toy products. Buyers might deny having purchased their credit card company, even though 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 for online sex toys

Sex toys have far fewer restrictions than other adult industry niches. Most notably, a sex toy business does not need to formally register as an adult business with Visa and MasterCard – unlike a true adult website. This does not mean there are no restrictions or regulatory concerns. 

There are multiple zoning laws in place for adult-oriented products. Unfortunately, local governments often establish these zoning regulations, which can make the adult toy industry hard to navigate.

With zoning and local 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 – many industries are far more regulated than online sex toys – yet have fewer challenges accepting credit cards online. Regardless, seeking a qualified attorney’s advice is the best practice when selling online. 

What shopping carts work with adult toy payment gateways?

Even with the restrictions and hurdles we’ve just discussed – chargebacks, legal gray areas, and hesitant merchant service providers – there are still plenty of alternative credit card processing solutions that work perfectly for online adult toy businesses. We’ll help your sex toy business choose the payment gateway and merchant account that works best for you.

If needed, we’ll provide you with quick tips for website platforms, and shopping cart solutions that we know from experience will work for adult toy payment integration.

Below, we look at full-service e-commerce platforms, as many prefer a more robust solution. Additionally, 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. For those with some website experience or support, we generally recommend an open-source solution like WooCommerce/WordPress.

Complete e-commerce platforms that work for adult toy sales

When it comes to complete e-commerce platforms for adult toys, we have had a great experience with two. 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 high-risk credit card processing for adult toys

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. So, 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.

Please see our dedicated article on how to process credit cards for adult toys with Shopify if you’d like to know more. If you’d like to get started now, contact us here. We look forward to helping your business grow!

BigCommerce high-risk credit card processing for adult toys

BigCommerce is similar to Shopify in many ways. It offers an all-in-one, hosted solution in addition to numerous extensions and add-ons that support sales tax calculation, shipping, fulfillment, and accounting.

One area where BigCommerce shines is its wide-open integration with high-risk payment gateways. Few complete solutions offer BigCommerce’s flexibility. You can read our BigCommerce adult toy payment processing page to learn more.

WooCommerce credit card processing for adult toys

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

As we mentioned, Shopify is an excellent solution for adult toy sales. However, you might prefer an open-source solution like WordPress with the WooCommerce plugin. The good news is that WooCommerce is a great open-source platform that integrates perfectly with Tower Payment’s high-risk credit card processing for adult toys.

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 – within reason. There’s simply less red tape with WooCommerce and WordPress.

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

Credit card processing for adult toy dropshippers

If you dropship adult toys from a reputable American fulfillment company, you should not have to struggle to find high-risk credit card processing that is affordable and easy to integrate with your shopping cart.
Let Tower Payments help your adult toy dropship site accept credit cards.

Contact us anytime for a high-risk merchant account that works perfectly with your sex toy dropship website by clicking the start arrow at the bottom of this page.

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. 

The sex toy industry has boomed dramatically over the last two decades. The social connotations attached to any adult industry make the sector “high-risk” in terms of payments. However, there are excellent 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 accept credit cards on your adult toy e-commerce site – with confidence – is our #1 goal.

You need 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 shutdown due to your industry type. If you’re setting up your adult toy online store, finding high-risk credit card processing with clear, fair rates can be very challenging. At Tower Payments, we specialize in credit card processing for adult toy websites.

We can help your sex toy site accept credit cards

Over the years, Tower Payments has helped numerous high-risk businesses get their payment processing up and running. Our expertise is in credit card processing for high-risk industries. With Tower, you will partner with a team 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 by clicking the start arrow below. Even if you only have a question or two, we’re happy to help.