Frequently Asked Questions

Find everything you need to know about acquiring the adult merchant accounts right here.

• How does an online credit card transaction work?
• How do I acquire an AdultMerchantPay (AMP) account?
• How soon can I hear back from AdultMerchantPay after sending in an inquiry?
• What kind of documentation do you require for approval?
• How soon can I get an approval?
• How can AdultMerchantPay protect me from fraud?
• Can my site accept payments from clients outside the US?
• How often do I get my payouts?
• Can AdultMerchantPay handle calls from my clients?
• How can I get more information about AdultMerchantPay (AMP)?

How does an online credit card transaction work?

1. The first step to a successful Internet Credit Card transaction is the submission of the merchant's order form. This involves obtaining sensitive data from the consumer such as the consumer's credit card information, shipping address and other details important to the transaction.
2. The consumer enters payment information either into a form secured by the Secure Socket Layer (SSL) protocol or into an application, such as Internet Explorer or Netscape Navigator. With the secured form, the payment information is protected by SSL as it is sent to the merchant.
3. A number of fraud-protection measures are put into action at the onset of the transaction to ensure utmost security. The payment software incorporated in the Web server then sends the encrypted transaction to the acquiring processor for authorization. This authorization is a request to hold funds for the purchase.
4. The acquiring processor either authorizes a certain amount of money (and issues an authorization code) or declines the transaction. An authorization reduces the available credit limit but does not actually put a charge on the customer's bill or move money to the merchant.

5. If the transaction is authorized, a "capture" is the next step. The capture takes the information from the successful authorization and charges the authorized amount of money to the consumer's credit card. In line with bank card (Visa/MasterCard) association rules, the merchant is not allowed to capture transactions until the ordered service has been delivered and consumer granted an access say to a website.

6. If the consumer cancels the order before it is captured, a "void" is generated; if the consumer returns goods after the transaction has been captured, a "credit" is generated.

7. The final step is to "settle" the transaction between the merchant and the acquiring processor usually done at the point of delivery of service and activation of consumer account. Captures and credits usually accumulate into a "batch" and are settled as a group. When a batch is submitted, the merchant's payment-enabled Web server connects with the acquiring processor to finalize the transactions and transfer monies to the merchant bank account.

How do I acquire an AdultMerchantPay (AMP) account?

We'll help you assess the right program for your business. All you have to do is send in an inquiry form and we'll give you a call. Inquire now!

How soon can I hear back from AdultMerchantPay after sending in an inquiry?

Our sales specialists will address any questions or concerns you may have within a span of 24 hours.

What kind of documentation do you require for an adult merchant account approval?

We provide applicants with our standard Merchant Application Form (MAF). You will need to send us a number of incorporation, 6-months worth of processing statements from your current processor (if applicable) and due diligence documents listed on the MAF.

How soon can I get an approval for my adult merchant account application?

A decision on your adult merchant account application will be given within 2 (two) working days from the time you email the required documents.

How can AdultMerchantPay protect me from fraud?

Our state-of-the-art payment gateway is our primary security measure. It is equipped with real-time data stream management, validation and authentication, a 128-bit Secure Socket Layer data encryption key and a Risk Check Module. We have an extensive negative database and a complete back office accounting module. Our database is firewalled and encrypted. In addition, eternal expert regularly perform audits. Geographical IP address location check, issuing bank BIN country match and address verification check (AVS) are also performed to reduce refund and chargeback incidences.

Can my site accept payments from clients outside the US?

Definitely. Make your site a global affair with AdultMerchantPay. As an adult merchant, you will be able to accept payments from anywhere in the world from Visa or MasterCard cardholders. Please note though that both companies may have their own restrictions for countries that have a high chargeback rate.

How often do I get my payouts?

Once you have started processing, payments will be made to you on a weekly basis, one week in arrears. The amount due will be transferred to the bank account specified on you MAF.

Can AdultMerchantPay handle calls from my clients?

You have the option of letting us to take care of your customer service center, please feel free to send in an inquiry to ask about this additional service.

How can I get more information about AdultMerchantPay (AMP)?

Send an inquiry today to find out more about our adult merchant account services and how we can make your online business better.

Learn more about our adult merchant account services.