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Zen Payments provides adult merchant accounts to good business owners nationwide. This means that whether you sell adult toys online or have a membership subscription we have got you covered. Furthermore, we have been getting our merchant’s stable accounts in the adult space for over 15 years. Most banks do not want their name anywhere near the adult industry, so in the past, this has made obtaining an adult merchant account extremely difficult for a lot of people.
Also, merchants were forced to take astronomically high processing rates simply because they only had a handful of options and couldn’t really pick who they wanted to go with. We currently have partnerships with over 15 banks that help merchants to get the best rates, as well as help, keep the merchant account active. Getting your account frozen and funds held are a worry of the past!


Adult merchant accounts are considered to be high-risk merchant accounts as well as in a lot of banks’ eyes disreputable. As a result of this, it is hard to place a merchant. Some of the major reasons that these accounts are high-risk are:

Above are a few of the major reasons that adult industry payment processing is considered high-risk. However one of the biggest reasons not mentioned is chargebacks. Chargebacks and fraud are common within the adult sphere due to customers wanting to keep actions private. Given that privacy is big, charges will often get disputed claiming they didn’t sign up for a free trial or monthly subscription. Likewise, we offer chargeback protection to help mitigate this and keep your business moving forward.


Even though this industry is high-risk, that doesn’t mean you can’t get approved! Due to our experience, getting you approved is a breeze.


With a variety of things making it high-risk, adult merchant accounts can be tricky to receive. Major credit card processors won’t even touch the adult industry because they consider it disreputable. This means that if you do not choose the correct company, you are subjecting your business to frozen funds and losing your ability to process payments.


At Zen Payments, we support good business no matter the industry, and we make sure that all of our merchants go through a rigorous process to ensure long-term viability. Every merchant will go through our underwriting process to ensure they go to the best bank that specializes in their industry, and they get the best pricing while doing so.


Albeit the term Adult Industry is very broad, there are many different merchants that exist in the space, and we service them all. If you do any of the following you are in need of a high-risk adult merchant account because of the risk involved:

These are just some of the different products that will require a high risk merchant account in order to have consistent payment processing. Because all of these are subject to chargebacks, and while a lot of adult merchants being new start-up businesses there are a lot of obstacles to hurdle in order to be able to take payments. Similarly, you will need someone in your corner, that is where we come into play.


When looking for adult entertainment merchant services, Zen Payments is your perfect solution. With our experience, our chargeback protection, and our 24/7 support we have exactly what it takes to support your business. We process millions of dollars a month in the adult industry, with a track record of proven success. Let us help you jump through the necessary hoops in order to start your merchant account and keep you processing payments consistently in the future.


Zen Payments are a tight-knit family and want you to be a part of that. Don’t settle for someone with little to no experience, not to mention someone who will charge you thousands of dollars per month in fees. Zen’s got you covered, let us take it from here.


Other reasons to choose us for your adult entertainment industry payment processing needs include:


  • More flexibility: Unlike many of our competitors who work with only one bank, we have more than 15 banking partners willing to take on high-risk accounts. Having access to multiple financial entities provides more flexibility and increases the likelihood of finding the right match for your business.


  • Long-term solutions: Some companies that offer merchant accounts for the adult industry are only in it for the short term. We take a different approach. Our goal is to establish and maintain long-term relationships with our clients. If you plan to be in business for many years, you can count on us to stay with you every step of the way.


  • Affordable rates: Have you had to pay exorbitant transaction fees when working with other adult products merchant account providers in the past? You’re in for a welcome change when you choose Zen Payments. We believe in a partnership approach, and our goal is to create a win-win situation that works for everyone. We won’t try to gouge you with excessive fees or hidden costs.


  • Fast setup: Understandably, the underwriting process for adult industry merchant services takes a bit longer than those for low- or moderate-risk businesses. We can still complete the process relatively quickly. You can expect to start using your account in as little as one to two weeks after we’ve received all the necessary documentation.


  • Excellent support: As your partner, we’ll be available to provide help whenever you need it. Once we’ve set up your adult business merchant account, we’ll be here to deliver prompt support by phone during business hours or via email 24 hours a day. Get quick answers to your questions and reliable help for technical glitches and other issues.


  • Security: Privacy is always a concern in the adult entertainment industry. We adhere to all Payment Card Industry Data Security Standard (PCI-DSS) certification guidelines. Your customers can have peace of mind that their payment information is safe.


  • E-commerce integrations available: If yours is like many businesses in the adult industry, you sell some or all of your products online. If you operate an e-commerce store, Zen Payments can integrate with leading platforms like WooCommerce, BigCommerce, Shopify, Konnektive, ClickFunnels, and several others.


While owning a business in the adult entertainment industry, it can be difficult to get the merchant services you need. Some vendors are more concerned about their reputation in this case than the services that they can provide. At Zen Payments, we offer our services to businesses in every industry without shame.  Let us set up your adult merchant account today. Call us anytime to speak with our team


Another way we’re different from other adult entertainment merchant account providers is our kinder, gentler business approach. We understand that you’ve probably met lots of resistance on your quest for the right solution. We’ll always treat you with the respect you deserve. When you work with us, you’ll have a zen experience with us that you won’t find anywhere else — it’s right there in the name.


Learn more about what makes Zen Payments the best choice for all your adult industry payment processing needs. Give our merchant services specialists call at 844-661-0725 today. You can also reach out to our team online for a quick response.