Best Merchant Accounts for Online Dating (2023)

High-Risk Payment Processing for Dating Services

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.

How to Select the Best Online Dating Credit Card Processor

When selecting a credit card processor for an online dating business in the USA, there are several factors to consider. Below are some of our key considerations.

High-Risk Payment Processing

Online dating businesses are often classified as high-risk by payment processors. This means that there is a higher likelihood of chargebacks and fraud. Therefore, it is essential to select a payment processor that specializes in high-risk payment processing and has experience dealing with online dating businesses.


Security is a critical concern for any online business, but it is especially important for online dating businesses. You will be handling sensitive customer information, including credit card numbers and personal information. Therefore, it is essential to choose a payment processor that is PCI-compliant and offers robust fraud prevention measures.

Payment Options

Your customers should have the flexibility to pay in a way that is convenient for them. Therefore, it is essential to select a payment processor that offers a variety of payment options, including credit and debit cards, PayPal, and other popular payment methods.

Credit Card Processing Fees

When selecting a payment processor, you should consider the fees they charge for their services. Some processors may charge a flat rate, while others charge a percentage of each transaction. Additionally, some processors may charge monthly fees or setup fees. Be sure to consider all of these fees when selecting a payment processor.


You should select a payment processor that has a good reputation in the industry. Look for processors that have positive reviews from other online dating businesses and have been in business for several years. You can consider our review on this website, by simply searching for the processor in the search bar at the top of this page.


Your payment processor should be able to integrate easily with your online dating platform. Ensure that the processor you choose has an API that is easy to integrate into your website.

Exceptional Customer Support

Finally, you should select a payment processor that offers excellent customer support. You want to work with a processor that is responsive to your needs and can help you quickly resolve any issues that arise.

By considering these factors, you can select a payment processor that is well-suited to your online dating business in the USA.

Top Picks for Merchant Services for Online Dating Platforms

PaymentCloud Logo

#1 PaymentCloud

Top Rated for Online Dating Credit Card Processing

Based in Woodland Hills, California, PaymentCloud is a merchant account provider that specializes in serving high-risk business types, which often includes online dating businesses. 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.”

PaymentCloud: The Best Credit Card Processing Service for Online Dating Businesses

If you’re running an online dating business and need to accept credit card payments from your customers, PaymentCloud is the perfect solution for you. PaymentCloud specializes in providing payment processing services for high-risk businesses, including online dating businesses. Here are some of the reasons why PaymentCloud is the best option for online dating businesses looking to process credit card payments.

Customized Solutions for Online Dating Businesses

PaymentCloud understands the unique needs of online dating businesses and offers customized payment solutions tailored to meet those needs. This includes features like recurring billing, chargeback protection, and fraud detection tools, which are essential for online dating businesses. With PaymentCloud, you can be sure that your payment processing needs are being taken care of by experts who understand your business.

Fast and Reliable Payment Processing

When it comes to online dating, it’s essential to have a fast and reliable payment processing system in place. With PaymentCloud, you can process credit card payments quickly and securely, ensuring that your customers have a seamless experience when purchasing your products. PaymentCloud uses the latest technology to ensure that transactions are processed quickly and securely, giving you peace of mind knowing that your customers’ sensitive information is protected.

Competitive Rates and Fees

As a small business owner, you need to keep your costs under control. PaymentCloud offers competitive rates and fees for credit card processing, making it an affordable option for online dating businesses. With PaymentCloud, you can save money on payment processing without sacrificing quality or security.

PaymentCloud is the best credit card processing service for online dating businesses. With its customized solutions, fast and reliable payment processing, and competitive rates and fees, PaymentCloud is the perfect partner for any online dating business looking to accept credit card payments.

For more information, visit the PaymentCloud website or call (888) 506-7859.



Fast Approval of Most Industries

Competitive Rates

No Cancellation Fees

Sales & Support:

eMerchant Broker Logo


Top Rated for Online Dating Merchant Accounts

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. places an emphasis on providing credit card processing for online dating services. 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+.”

Why eMerchantBroker a Top Credit Card Processor for Online Dating Businesses

If you’re a business owner in the online dating industry, you understand the importance of having a reliable and secure payment processing system. eMerchantBroker is the perfect option for you, as they specialize in high-risk payment processing for industries such as online dating.

Safe and Secure Transactions

With eMerchantBroker, you can accept credit card payments from customers who are buying your online dating products without having to worry about chargebacks, fraud, or payment processing errors. They have the necessary expertise and technology to keep your business running smoothly and ensure that your transactions are safe and secure.

Variety of Payment Solutions Available

One of the reasons why eMerchantBroker is so effective for online dating businesses is that they offer a variety of payment solutions. They have a robust and flexible platform that supports multiple payment methods, including credit cards, debit cards, and e-wallets. This means that you can cater to the payment preferences of your customers, increasing the likelihood of closing a sale.

Advanced Fraud Prevention

Another reason why eMerchantBroker is a great option for online dating businesses is that they have advanced fraud prevention and chargeback mitigation tools. They employ machine learning algorithms and other sophisticated technologies to detect and prevent fraudulent transactions. This way, you can rest assured that your business is protected from potential chargeback losses and other fraudulent activities.

eMerchantBroker is the best credit card processor for online dating businesses. They have the necessary expertise and technology to ensure that your business runs smoothly, and they offer a variety of payment solutions that cater to the payment preferences of your customers. Additionally, their advanced fraud prevention and chargeback mitigation tools protect your business from potential losses.

For more information, see the eMerchantBroker website or call (877) 301-3442.


eMerchant Broker

Quick Approval For Most Businesses

Domestic and International Processing

Highly Rated Customer Support

Sales & Support:

Host Merchant Services logo

Host Merchant Services

Top Rated Online Dating Merchant Services

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+.”

Accept Credit Card Payments for Online Dating Products with Host Merchant Services

If you own a small business that sells Online Dating products, accepting credit card payments is crucial for your success. Host Merchant Services is a leading credit card processing provider that specializes in serving small businesses in various industries, including Online Dating. Here are some reasons why Host Merchant Services is a great option for accepting credit card payments for your Online Dating products.

Secure Payment Processing

Host Merchant Services takes security seriously and provides a range of features to protect your customers’ sensitive information during the payment process. This includes encryption and tokenization technology, fraud detection, and chargeback prevention. With Host Merchant Services, you can rest assured that your customers’ information is safe and secure.

Competitive Pricing

Pricing is an important consideration for small business owners. Host Merchant Services offers transparent and competitive pricing with no hidden fees or long-term contracts. With their simple pricing structure, you can easily understand the costs associated with accepting credit card payments for your Online Dating products.

Customizable Solutions

Host Merchant Services understands that each business is unique and has different payment processing needs. They offer customizable solutions to fit your specific requirements, including online payment processing, mobile payment options, and recurring billing. You can also choose from a range of payment gateways to integrate with your Online Dating product store.

Responsive Customer Support

Customer support is critical when it comes to payment processing. Host Merchant Services provides excellent customer support to its clients. Their dedicated support team is available 24/7 to answer any questions or concerns you may have. With their fast response times and knowledgeable staff, you can rely on Host Merchant Services to help you with any payment processing issues.

Host Merchant Services is an excellent option for small businesses that sell Online Dating products and need to accept credit card payments. With their secure payment processing, competitive pricing, customizable solutions, and responsive customer support, they offer everything you need to ensure your customers have a seamless payment experience.

For more information, visit the Host Merchant Services website or call (888) 591-9026.


Host Merchant Services

Highly Rated Customer Support

Competitive Rates & Fees

No Contract

Sales & Support:

Additional Options

national processing logo

National Processing

National Processing offers several small business processing options and can assist online dating sites with identifying the right virtual terminal for their needs. The company offers two pricing options: one an interchange-plus program or a “zero-fee” program, both of which offer competitively priced rates.

National Processing has a clean reputation with just one complaint filed in the last three years, which is not concerning in nature. Our independent review finds National Processing to be a solid option for most online dating businesses.

National Processing: The Ideal Credit Card Processing Partner for Online Dating Businesses

Online dating businesses face unique challenges when it comes to accepting credit card payments. Many payment processors consider online dating to be a high-risk industry due to chargebacks and fraud concerns. However, National Processing offers a reliable and secure payment processing solution for businesses selling online dating products.

High Approval Rates

National Processing has a high approval rate for online dating businesses, making it easier for owners to accept credit card payments from customers. With its advanced fraud detection and prevention tools, National Processing can help businesses reduce the risk of chargebacks and fraudulent transactions.

Recurring Billing

Online dating businesses rely heavily on recurring billing to generate revenue. National Processing offers a seamless recurring billing solution that allows businesses to automatically bill customers on a monthly or weekly basis. This not only saves time but also ensures a steady stream of revenue for the business.

Flexible Integration

National Processing offers flexible integration options that can be customized to meet the unique needs of online dating businesses. Whether businesses need to integrate their payment processing with their website or mobile app, National Processing can provide a seamless solution that is easy to use and manage.

Secure Transactions

Online dating businesses must ensure that their customers’ credit card information is secure. National Processing provides end-to-end encryption and PCI compliance, ensuring that all transactions are safe and secure.

National Processing is an ideal credit card processing partner for online dating businesses. Its high approval rates, recurring billing solutions, flexible integration options, and secure transactions make it a reliable and secure payment processing option for businesses selling online dating products.

For more information, see the National Processing website or call (385) 777-1235.

National Processing

Best Option For Clover POS

Competitive Rates & Fees

Highly Rated Customer Service

Sales & Support:

Frequently Asked Questions: Online Dating Credit Card Processing

What is a merchant account?

merchant account is a type of bank account that allows businesses to accept payments in multiple ways, typically debit or credit cards. The merchant enters into an agreement with the bank and receives a unique merchant ID to identify their business.

Why do online dating businesses need merchant accounts?

Online dating businesses typically require subscriptions or one-time payments for their services, which can be made using debit or credit cards. Merchant accounts enable these businesses to accept and process these card payments, providing convenience for both the business and its customers.

What should I consider when searching for the best merchant account for my online dating site?

Consider factors such as fees, security features, ease of integration with your current system, customer support, and the provider’s reputation. Look for a provider that offers fraud protection, chargeback management, and support for recurring payments, as these are particularly important for online dating sites.

Why is high-risk processing a concern for online dating sites?

Online dating sites are often considered “high risk” by merchant account providers due to higher rates of chargebacks and potential for fraud. As such, these businesses might face higher fees, stricter contracts, and more stringent approval processes.

How can I find a merchant account provider that specializes in high-risk businesses?

Research is crucial. Look for providers who advertise their services to high-risk businesses and check online reviews and ratings. It’s also helpful to consult with other businesses in your industry to see what providers they use and recommend.

What features should a merchant account for an online dating site have?

Key features to look for include a secure payment gateway, support for recurring payments, comprehensive fraud protection, chargeback prevention tools, detailed reporting features, and 24/7 customer service.

Can I negotiate my rates with a merchant account provider?

Yes, in many cases you can negotiate your rates, especially if you have a high volume of transactions. However, this may be more challenging if you’re a new business or considered high risk.

What happens if I receive too many chargebacks?

If you receive too many chargebacks, your merchant account could be frozen or terminated, which could disrupt your ability to process payments. Therefore, it’s important to work with your provider to implement measures that help prevent chargebacks.

Are there any specific merchant account providers you recommend for online dating businesses?

As of my knowledge cutoff in September 2021, specific recommendations cannot be provided. However, high-risk merchant account providers like Durango Merchant Services, PayKings, and Soar Payments have historically catered to such businesses. Always perform due diligence when choosing a provider by considering their current reputation, reviews, fees, and features.

How do I integrate a merchant account with my online dating site?

Most merchant account providers offer integration support for popular e-commerce and website platforms. The specifics will vary by provider and platform, but typically involve adding a secure payment gateway to your site. You should also be able to find step-by-step guides or receive assistance from the provider’s customer support team.

Reader Comments

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1 User Reviews

  • Amelia

    I wanted to extend my deepest gratitude for your enlightening and detailed article on “Best Merchant Accounts for Online Dating”. As an entrepreneur in the online dating industry, your guide has been an invaluable resource, assisting me to navigate this unique market.

    Your meticulous breakdown of each merchant account, highlighting their unique advantages, potential drawbacks, and distinguishing features, was superbly constructed. Your talent for simplifying complex subjects into understandable language made this dense topic more accessible for readers like myself.

    Your focus on key components such as transaction fees, customer support, security protocols, and their ability to handle the specific needs of online dating services was incredibly insightful. I especially appreciated your observations on managing high volumes of transactions, chargeback risks, and supporting international payments, all of which are crucial in our industry.

    The breadth of your research and the considerable effort and expertise that went into this guide is evident. Your commitment to providing accurate, relevant, and actionable information has simplified a complex decision-making process, enabling entrepreneurs like me to make informed decisions.

    Thank you once again for your significant contribution. Your hard work, dedication, and expertise are deeply appreciated.

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