Why do adult merchants need high-risk payment processing?

Adult businesses face increased chargebacks, regulatory pressure, and reputational concerns. These risks require specialized processing solutions to ensure stable and long-term success.

Do you offer discreet billing descriptors for adult businesses?

Yes. We provide neutral billing descriptors to protect customer privacy and minimize chargebacks caused by embarrassment or confusion.

Can I accept recurring payments for adult content?

Absolutely. We support fully compliant recurring billing for subscription-based adult content, fan platforms, and premium memberships.

Secure Adult Payment Gateway and High-Risk Merchant Account

Q: What types of adult businesses can get approved?

We support a wide range of legal adult businesses, including porn platforms, live cams, sex shops, escort directories, dating sites, and subscription-based content creators.

Q: How long does it take to get approved?

Approval generally takes 2 to 6 weeks, depending on your business type, submitted documents, and the responsiveness during onboarding.

FastoPayments provides secure adult payment gateway, high-risk merchant accounts built specifically for the adult industry. Whether you run a content platform, live cam site, or adult retail business, we deliver reliable payment processing with full compliance. With years of experience supporting adult and high-risk merchants, we know what it takes to get you approved and keep your business running smoothly.

How it works?

The adult industry faces higher rates of disputes, chargebacks, and compliance checks, making adult payment gateway processing more complex than most sectors. That’s why working with an experienced adult-focused payment partner is essential for long-term stability and growth.

Free Consultation with our Experts

Speak with a team that understands adult industry challenges. We assess your business model, payment needs, and risk level to recommend the right solution.

Custom Proposal & Transparent Pricing

Get a clear, no-obligation offer. We tailor pricing to your business type, volume, and history with no hidden fees or surprise charges.

Document Collection & Website Review

Submit your company documents, ID verification, and a live version of your website. We guide you through age verification and compliance checks.

Underwriting & Approval Process

We work with adult-friendly acquirers and handle communication with underwriting. Timelines vary, but we aim for full transparency throughout.

Fast Integration & Ongoing Support

Once approved, we connect you to your gateway or POS. Our support team is available long-term to help manage disputes, updates, or scaling.

Why Choose FastoPayments for Adult Payment Processing?

Adult businesses operate in one of the most restricted and misunderstood sectors in payments. Many banks and mainstream processors avoid the space entirely. FastoPayments was built to change that. With a deep understanding of adult industry challenges and access to over 20 high-risk-friendly financial partners, we help you get approved faster, stay compliant, and accept payments with confidence. We provide secure payment gateway and high-risk merchant account for Adult industry.

Experts in Adult and High-Risk Merchant Processing

Adult and other high-risk industries face higher chargebacks and disputes, which is why experienced payment processing is crucial for long-term success.

Dating

Reliable dating payment processing that scales with your business

Porn

Powering porn platforms with stable, scalable payment support

Live Cam

Flexible, real-time solutions designed for cam platforms

Content Platforms

Support your creators with payout-ready, scalable payment processing

Escorting

Discreet, stable payment solutions for escort listing platforms

AI

Powering adult AI innovation with secure, scalable payment infrastructure

Strip Clubs

Seamless POS solutions built for the unique needs of strip clubs

Sex Shops

Scalable checkout solutions for adult retail, both online and in-store

Frequently Asked Questions

Adult businesses face stricter regulations, higher chargeback rates, and limited banking options. Working with a high-risk payment expert ensures compliance, stability, and room to grow.

What types of adult businesses can get approved for high-risk payment processing?

Payment solutions are available for a wide range of adult businesses, including porn sites, live cam platforms, content subscription businesses (like OnlyFans), escort directories, sex shops (online and retail), adult dating, adult AI apps, and strip clubs.

Each has unique compliance needs, but approval is possible with the right provider.

Why do traditional payment processors reject adult merchants?

Mainstream providers like Stripe and PayPal often decline adult businesses due to reputational risks, high chargeback rates, and complex legal requirements.

These companies prefer to avoid industries classified as high-risk, regardless of how legitimate the business is.

Can adult businesses accept recurring payments or subscriptions?

Yes. With a high-risk processor experienced in adult verticals, subscription billing is fully supported.

This is essential for platforms offering memberships, fan access, or ongoing premium content. Proper billing descriptors and refund policies are key to minimizing disputes.

What documents are required to apply for adult payment processing?

Typically, you’ll need company KYC (ID, proof of address, incorporation docs), a functional and compliant website, age verification measures, and clear refund/terms policies. You can check here for more information.

Licensing is only needed if required by local law (e.g. some clubs or escort services).

How are chargebacks managed in the adult industry?

Adult businesses often see higher-than-average chargeback rates. The right processor helps reduce this through fraud filters, clear billing descriptors, strong refund policies, and optional chargeback alert systems.

Managing disputes well is essential for account longevity, which can be a costly effort, but very needed in order to keep all merchant accounts without harm and functioning.

Can I get a point-of-sale system for my strip club or adult store?

Yes. We have specialized POS systems tailored to the adult nightlife and retail environment. These support tipping, real-time reporting, mobile and discreet payments, and can be fully integrated with your payment processor.

Is discreet billing available for adult customers?

Yes. Most high-risk processors offer neutral billing descriptors to ensure privacy for customers. This reduces chargebacks and builds trust, especially in subscription-based or live service models.

How long does it take to get approved for adult payment processing?

Approval process usually takes between 2 to 3 weeks (Can take less if storefront), depending on how quickly you provide the required documents, your website’s compliance level, and the processor’s underwriting timeline.

Delays are common if responses are slow or additional checks are needed, especially for more complex adult verticals.