The adult industry is a highly lucrative business opportunity for many, with people willing to pay for porn videos, sexting services, and even sex toys. However, because these sites are still taboo, finding a payment processor that lets you easily set up payments for your customers can be tricky and presents specific challenges.
In this article, Adult Site Broker has compiled our list of the best payment processors for adult websites in 2026 and examined the challenges adult websites face when choosing one.
What are Payment Processors?
As previously discussed by the Adult Site Broker, payment processors are companies or financial institutions that handle transactions between buyers and sellers. They act as intermediaries, facilitating the transfer of funds from the buyer to the seller. They are responsible for verifying the transaction’s validity, checking the buyer’s payment information, and ensuring the funds are transferred securely.
No matter if you are a porn site, membership site, or live cam site, being able to safely and securely process multiple payments across the world is crucial to your website being a success. However, as an adult website, specific challenges make finding a payment processor tricky.
What are the challenges of finding a payment processor for an adult website?
As you look for a payment processor that caters to the adult industry, it is important to recognize that it comes with specific challenges, including:
High-risk industry
Given the adult industry’s high-risk status, finding a payment processor that will approve your application can be tricky. However, as the adult industry grows in popularity, there has been a growing trend in high-risk industry payment processors that specialize in offering their services to porn websites, sex toy sites, and other high-risk industries like cannabis products.
Chargebacks
A chargeback is a charge returned to the payment card after a customer successfully disputes an item on their account transactions report. As an adult website, you may have a high chargeback rate, which can directly impact your ability to work with a payment processor. If you have a high chargeback ratio, your payment processor may shut down your account without notifying you.
Rates
Due to the high-risk nature of the adult industry, when choosing a payment processor, you need to know its rates. This is because many payment processors offer higher rates and fees for adult websites.
Approval and Compliance
Another reason it is hard to gain acceptance is that to work with many payment processors, the sponsor bank of a credit card processor must include the adult industry in its underwriting standards to authorize an adult merchant. Something that most banks refuse to do.
Laws and Regulations
Trying to circumvent your legal duties can cause your account to be shut down by a payment processor or prevent them from creating an account in the first place.
By finding a payment processor that offers high-risk support, regulatory compliance, chargeback protection, competitive rates and fees, and (for those who work internationally) easy global payments, you can find one that offers you the best support necessary to ensure your success.
Who are the Best Payment Processors for Adult Sites in 2024?
Epoch
Epoch is a well-known payment processor and provider of payment gateway services for high-risk industries, including adult entertainment. Services include card processing, ACH bank transfers, PayPal services for sites that would otherwise be unable to use them, and a turnkey set of tools that enables payment processing services for sites of all types worldwide.
OrbitalPay
OrbitalPay offers services for adult businesses across product sales and retail, membership sites, live camming sites, VOD, and direct services from adult entertainers and studios. It allows companies offering adult services to provide fully integrated, responsive credit card payment services.
CC Bill
CCBill is a well-known payment processor in the adult entertainment and high-risk industries, accepting payments from the US, Canada, and most European countries. With several features and models, including a subscription and membership protocol and one-time web payments, CCBill offers highly competitive rates and solutions, allowing adult businesses, producers, content creators, and performers to accept payments from all major credit and debit card networks.
Vertotel and Bitsafe
Verotel and Bitsafe platforms provide membership sites, payites, competitive rates, volumes, daily revenue payouts, and chargeback protection. Verotel is a payment processor and gateway serving adult-industry affiliates and studios. Bitsafe provides a secure, discreet cross-border payment platform and debit card services for adult models. When combined, the two offer full-stack payment options.
MobiusPay
The product and service offerings provided by MobiusPay cater to many high-risk payment types, including chargebacks. The tools developed and sold by MobiusPay include credit card processing services for high-risk clients, enabling adult industry businesses to accept payments from major credit and debit card networks worldwide.
Payze
Payze is a high-risk payment processing service provider serving industries such as adult entertainment. It offers various services, including scalability features for membership sites or pay sites, national and global transactions, and robust security and chargeback protection through the Payze platform.
NETbilling
NETbilling is another provider of high-risk payment processing services for some adult industry firms. The NETbilling offerings include adult transaction processing and payment gateway services. NETbilling provides comprehensive credit card and online check processing, along with chargeback protection, for membership sites, VOD providers, and live camming websites.
Webbilling
Webbilling is a high-risk payment processing provider offering viable payment solutions across the EU, Eastern Europe, and Central Europe. They specialize in non-traditional payment methods and serve adult entertainment companies, e-commerce firms, and other high-risk businesses that require protection against chargebacks. They also work with membership sites and subscriptions that cater to adult services, using Webbilling as a payment partner to connect consumers with merchants and enable credit card sales.
eMerchantPay
eMerchantPay is yet another provider of high-risk payment processing services. One aspect that sets eMerchantPay apart is its fraud prevention and chargeback mitigation approach. This approach allows low fees and asking prices, creating more opportunities to convert, develop new revenue-generating strategies, and enable businesses of all sizes in the adult industry to accept credit and debit cards through the world’s credit and debit card networks.
Segpay
Segpay is a Payment Platform that specializes in online credit card processing for e-commerce merchants and subscription-based content providers operating globally, with headquarters in the US, EU, and UK. They are one of the most reputable payment processors for adult and dating sites, navigating the challenges these industries face and offering secure, reliable payment solutions.
Conclusion
When setting up your adult website, choosing the right payment processor for your business model is crucial to ensuring success. Because the adult entertainment industry is considered high-risk, it is important to research and understand its key challenges before choosing a career in it.
