If traditional processors keep declining your adult business, our team is ready to help. We deliver secure adult merchant accounts with a dedicated payment gateway, chargeback protection and fraud prevention - built for the way adult businesses actually operate.
Our team is dedicated to supporting adult businesses, which sets us apart from traditional payment service providers. You will work with a dedicated account manager who helps you choose the payment solutions that best fit your business, and who guides you through the entire setup so your platform is convenient for both your staff and your customers.
We can also integrate our payment solutions with the software you already use, including CRMs and accounting programs - no technical skills required. Once you apply, you will complete a short online application covering your business, its size and your payment requirements. After we review your information, a member of our adult payment processing team will reach out to finish setting up your account.
From streaming platforms and content creators to retail storefronts and phone-based services, we provide affordable, reliable adult credit card processing tailored to the unique challenges of the adult industry.
Everything you need to accept payments and grow with confidence.
There are many compelling reasons to choose Karma Card Payments for processing credit card transactions for your adult business. Here are the key benefits our adult payment solutions offer.
Our adult payment gateways are designed to help online adult businesses grow profitably. We give you secure, flexible payment options tailored to your products - from recurring subscriptions for predictable revenue to discounts that reward your most loyal customers.
Chargebacks are a serious concern in the adult industry. Beyond immediate revenue loss, excessive chargebacks can trigger penalties and even loss of card processing. We use advanced prevention tools to protect you and help you successfully contest cases of "friendly fraud."
Fraud prevention is a priority across every product we offer. Our solutions include sophisticated fraud detection that flags suspicious transactions before they process - essential protection given the high risk of card scams in the adult space.
The adult industry covers a wide range of business models. We provide omnichannel adult payment processing for online, retail and phone-based operations of every size.
Share your contact details and a member of our adult payment processing team will schedule a call to build the right solution for your business.
Answers to the questions adult businesses ask us most about accepting payments, fees and getting approved.
The adult industry features a wide range of business types, so we provide omnichannel payment solutions designed specifically for adult businesses:
Online: For online adult businesses, we offer secure payment gateways that let you accept credit card payments from customers worldwide - including standard transactions, subscription billing and donation features.
Retail: Adult businesses with physical storefronts need effective, secure in-person payments. We provide POS software and card readers for operations of all sizes, from small pop-up shops to larger retail stores.
Over the phone: Our virtual terminals make it simple to accept credit card payments over the phone, adding convenience for customers while offering discreet options for those who value privacy.
Credit card processing fees typically range from 1.5% to 3.5%. The exact rate depends on factors like card brand, transaction type and your industry. Because adult businesses are classified as high-risk, they often face higher-than-average processing fees.
Many adult businesses are also required to pay a registration fee - often around $500 to Mastercard - due to this high-risk designation. Our mission is to offer affordable processing tailored to adult businesses, helping you avoid excessive fees and navigate the registration requirements imposed by networks like Visa and Mastercard.
To help expedite approval, please gather the following before applying:
Your website should also be secured with an SSL certificate, use HTTPS, and include your company's legal name and logo, contact details, a Privacy Policy page, a Terms & Conditions page, a footer with the company name, and a Return and Refund Policy page.
Card networks classify adult businesses as high-risk because of factors like elevated chargeback rates, recurring-billing models, age and content regulations, and reputational concerns among traditional banks. That classification is exactly why a specialized processor matters - we underwrite adult businesses every day and build in the protections needed to keep your account stable.
Most adult merchant accounts are approved within 24-48 hours once we have your completed application and supporting documents. Having your paperwork and a compliant website ready ahead of time is the fastest way to get up and running.
