There are many different types of merchant accounts which might be suitable for your business. If you are running an adult site which might be considered as a porn site then you might find it difficult to find the right provider.

Why Porn is High Risk

Porn and adult web sites are considered high risk and are not suitable for all merchant accounts. The reason for this is because of two reasons. Firstly you are providing a service which is non-tangible. This could cause more complaints than with a normal business.

Porn is also seen as something that is unethical. This means that many of the larger merchant accounts will not accept it.

Merchant Accounts to Avoid

You should avoid merchant accounts provided by Authorize.net because this provider has very strict limits on adult content. Authorize.net will even cancel the accounts of any web hosts which are hosting adult material. This doesn't even have to be porn.

Physical Goods

Most banks will accept physical tangible adult products. The banks will normally treat this as a normal business. Because goods are sent out the delivery of them can be tracked.

Online Adult Sites

If you are running online porn sites or other adult sites then you will need to get lots of quotes from various providers. Some providers will want to set very high reserve rates which can be as high as 25%. You will need to talk to many different merchant account providers to try and get the best deal possible.

You should find that almost all merchant accounts will accept adult content however the costs will change.