Online Dating Credit Card Processing
We provide merchant accounts for a wide range of dating businesses
Signature Payments has been providing high-risk merchant accounts to businesses for over 20 years. As experts in dating payment gateway technology and secure online payment processing, we have a team of in-house specialists able to help you get your dating merchant account approved.
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Why Are Online Dating Businesses Considered High-Risk?
An online dating merchant account is a merchant account for businesses that provide online dating services. Online dating businesses can be subscription based or niche-oriented but either way, they are categorized as “high-risk”. Why are online dating businesses considered high risk? There are a few reasons:
- Chargebacks: A chargeback is when a customer buys a product or service, keeps the item, and reverses the transaction through his or her bank (instead of asking you for a refund directly). As a business owner, you lose the sale and the inventory. If you receive too many chargebacks, you also risk losing your merchant account status. Unfortunately, chargebacks are quite common in the online dating industry. This makes securing (and maintaining) merchant accounts difficult.
- Perception: Online dating sites have, in some cases, been found to engage in illegal activities such as escort services and prostitution which presents both a legal and reputational risk for banks and processors. Assuming you find a provider that offers online dating credit card processing, you will likely pay higher-than-average fees due to the negative connotations many people have about online dating and other adult-related content.
- Registration: As of October 2020, dating merchants require high brand risk registration and only processors and acquiring banks with experience and certification can entertain them. In addition to branding you a “high-risk” customer, this requirement effectively shrinks the pool of potential payment processors with which you can work. With fewer options, you can expect to pay higher rates.
Securing a merchant account for an online dating business requires a payment processor who specializes in high risk and understands the unique needs of online dating merchants. Whether your online dating business is subscription-based or niche-oriented, Signature has the solutions you need to grow.
Signature Payments has a long history of serving high-risk industries — including online dating. We understand the unique challenges you face. Our experience in this high-risk space uniquely positions us to provide the solutions and support for your business.
With Signature Payments you get…
Our merchant application can be completed quickly and easily in just a few minutes.
Our application process is quick and easy so you can accept payments quickly.
No Hidden Fees
Our team works hard to get your account approved at the lowest possible rates with no hidden fees.
We work with multiple banks and offer both domestic and offshore solutions to give you the flexibility.
Frequently Asked Questions
Does this payment gateway for dating site owners support recurring billing?
Dating websites and apps frequently use recurring payment models — similar to magazine subscriptions or cable packages. Signature Payments understands this is an important feature for dating merchants and we support a number of solutions for recurring billing — whether you want to automatically invoice your customers monthly, quarterly, annually or using some other schedule.
Is Signature Payments compatible with my existing software?
Because Signature Payments works with most major payment gateways (including Authorize.net, ePN and NMI), our merchant accounts integrate with most software programs. If you have questions about a specific software, please reach out. We’d be happy to answer your questions.
What criteria does my membership business need to meet to be approved for a merchant account?
That will depend on your specific business but in general businesses must provide bank statements/processing statements, have clearly stated refund policies and well-defined price points and packages. For more information on the criteria your business needs to meet, contact us and we’d be happy to discuss your unique needs.
What kinds of payments can I accept for my online dating site?
We accept all payment card types, allowing your customers to join your site with any major credit or debit cards offered by Mastercard®, Visa®, American Express® and Discover®. We also support check, electronic benefits transfer (EBT), and mobile payment options.
How long does it take for a new sale to appear in my bank account?
Settlement times vary by business type, payment method and even where you interface with your customers. An in-person transaction using a debit card, for example, might appear in your bank earlier than an online payment made via credit card. To learn what kind of settlement times you can expect, contact us today.
Start Accepting Payments for Your Online Dating Site
The ability to accept web-based payments is essential for any online business. Due to their high-risk status, dating sites often struggle to find payment processors that will work with them.
When others say no, Signature Payments says yes.
If you’re currently looking for an online payment solution to help your business scale, contact us today — by phone (888-334-2284) or by email (email@example.com).