Applying for a payment processor as an adult e-commerce business is a different process than signing up for Stripe or Square. High-risk and adult-industry processors have specific website requirements, and missing any of them results in an automatic denial — often without explanation.
Non-Negotiable Requirements
Age verification: A functional age gate on entry and/or at checkout.
Terms of service: Clear, accessible terms that cover content restrictions and refund policies.
Privacy policy: Compliant with applicable regulations, clearly linked in the footer.
Contact information: Real business address, phone number, and support email — not a contact form only.
Product descriptions: Professional language that does not violate the processor’s content guidelines.
What Gets You Denied
Explicit imagery on the homepage, missing legal pages, no age verification, product categories that violate processor terms, and websites that look unprofessional or incomplete.
Before You Apply
Audit your site against the specific processor’s requirements — they vary. CCBill, Epoch, and Segpay each have different content guidelines and application processes. Match your site to the processor you are targeting before submitting.
We build WooCommerce sites designed to pass processor review. Get a free audit of your current site before you apply.