Credit card processors typically classify online dating websites as high risk, in part because of the adult nature of their service and in part because of the high chargeback rates that these businesses typically experience. This means that even if you run a completely legitimate online dating service, you might have trouble getting approved for a merchant account through conventional providers. You should, however, be able to accept credit cards through a high risk merchant account provider. Although high risk credit card processors tend to charge higher rates or require cash reserves from their merchants, they can also help streamline your business by providing online payment solutions, internet marketing tools, and readily available customer support.
To help you find a processor that can help your business grow, we’ve put together the following list of the best merchant accounts for dating websites. The companies on this list offer automated recurring billing, payment gateways, internet marketing tools, and other useful services for dating services. They are also known to provide low-commitment contracts with transparent pricing and quality customer support. To find the right provider for your online dating business, be sure to research each processor’s products and features and compare pricing and terms.
Best Merchant Accounts for Online Dating Platforms
Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving high risk business types. The company’s products and services include point-of-sale solutions, mobile phone swipers, an online payment gateway and virtual terminal, EMV-compatible terminals, and merchant cash advances. PaymentCloud is a good option for merchants who require offshore merchant accounts.
PaymentCloud provides a dedicated account rep to all new merchants for the life of the account. The company has not received any negative complaints on consumer forums, and it customizes its pricing according to each merchant’s business type and processing history. The BBB does not maintain a profile for PaymentCloud at this time, but CPO gives the company an “A.”
eMerchantBroker is a Los Angeles, California-based company that offers high risk e-commerce processing solutions including online dating merchant accounts. The company’s products include ACH processing, an online payment gateway, merchant cash advance, and a chargeback management system to help merchants dispute and resolve chargeback claims. eMerchantBroker.com places an emphasis on providing credit card processing for online dating services.
eMerchantBroker.com offers custom pricing for each merchant and maintains a low complaint rate relative to its size and merchant portfolio. Our review of eMerchantBroker gives the company an “A” rating overall and the BBB assigns the company a rating of “A+.”
Host Merchant Services is a Newark, Delaware-based merchant account provider that is able to provide merchant accounts for some dating sites. The company’s products and services include online marketing tools, an online payment gateway and virtual terminal, mobile credit card processing, gift and loyalty programs, merchant cash advance, and offshore merchant accounts. Host Merchant Services specializes in e-commerce businesses and provides a free website and email address to interested merchants. Host is a good fit for online dating services that have an established credit card processing history.
Host Merchant Services has received only positive feedback on public forums, with most reviewers singling out the company’s customer service for praise. Host offers custom pricing to all of its merchants, but most merchants will enjoy transparent pricing and the ability to cancel service without penalty. The Better Business Bureau gives Host an “A+” rating, and CPO also gives the company an “A+.”
Durango Merchant Services is a well-established high risk payment processor headquartered in Durango, Colorado. The company has been serving both U.S. and international merchants with an emphasis on difficult-to-place merchant types since 1999. Durango can supply processing for matchmaking services and offers a wide range of services including an online payment gateway with QuickBooks integration, POS equipment, electronic check processing, and offshore banking partnerships. Like Vantage, Durango is a good fit for online dating websites with limited payment processing histories or the need for offshore merchant accounts.
Durango has received overwhelmingly positive feedback with regard to its sales and support team and offers custom pricing depending on a merchant’s business type. Our review of Durango Merchant Services gives the company an “A+,” and the Better Business Bureau awards Durango an “A+” as well.
Based in Scottsdale, Arizona, Vantage Payments is a merchant account provider that can provide both domestic and offshore merchant accounts for adult dating services. The company’s products and services include remote deposit capture, European direct debit, call center services, multi-currency support, web design, and SEO assistance. Vantage Payments is a good fit for online dating sites that have limited processing histories or that require offshore merchant accounts.
Vantage Payments currently has a clean complaint record across all review websites, which is an impressive feat for a company specializing in offshore merchant accounts. Our review of Vantage gives the company an “A” rating at this time, while the BBB gives Vantage an “A+.”
Headquartered in Chicago, Illinois, Payline Data has consistently rated as one of the best merchant account providers on CPO since we first reviewed the company. Payline is capable of serving merchants of all sizes and types, including some online dating sites. The company offers mobile phone credit card processing, an online payment gateway and virtual terminal, QuickBooks integration, third-party shopping cart integration, API integration for websites, and various point-of-sale solutions. Payline Data is a great option for dating websites with solid business credit that have been operating for a long time.
In addition to its wide array of services, Payline Data offers custom pricing to most of its high risk merchants. As a result, the company enjoys a large number of positive testimonials from its clients on this website and in other consumer protection forums. The Better Business Bureau currently assigns Payline Data an “A+” rating, and CPO also gives Payline an “A+.”