Adult Store Payment Processing

Novelty retailers are prohibited by many mainstream processors but are lower risk than content sites. Roots places them for in-store and online sales. Roots works with virtually any legal business, subject to underwriting.
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Payment solutions for adult novelty stores

How these solutions fit adult novelty stores

See what each option adds to the way your business takes and tracks payments.

High-Risk Merchant Account

For adult novelty stores: Present your model for permitted adult products, content and services to specialist processing partners, with product and fulfillment documentation prepared. Roots Payments places adult novelty retailers with acquiring banks and processors that knowingly underwrite adult products and toys, so the account is built to last instead of flagged after the first review. We work with virtually any legal business, subject to underwriting; pricing, limits, and terms depend on the acquirer's review. Reserves may apply, and any reserve is disclosed in your agreement before you sign.
  • Pre-underwriting review of your website, checkout, and documents (catalog, age policy, and store photos)
  • Application packaged and submitted only to acquirers with appetite for your category
  • Plain-English walkthrough of pricing, reserve, and termination terms before you sign
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E-commerce Payments

For adult novelty stores: Add online checkout for permitted adult products, content and services, with order references carried through payment and fulfillment. Roots connects your store to a gateway and acquirer that approve your category, with fraud screening and 3-D Secure configured for card-not-present risk.
  • Check that your cart platform's own acceptable-use policy allows your products
  • Gateway setup, fraud-rule tuning, and test transactions before launch
  • Checkout disclosure review (refunds, shipping, age or eligibility limits)
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Chargeback Management

For adult novelty stores: Organize evidence for disputed permitted adult products, content and services, including customer authorizations, delivery details and service records. Roots coordinates chargeback-management services to help your business handle disputes and organize responses.
  • Discuss your business goals on a free consultation
  • Coordinate your provider introduction and setup
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Roots POS

For adult novelty stores: Bring permitted adult products, content and services into a business-tools workflow, with setup, staff training and reporting for age checks, membership terms and transaction records. Consumer POS brands frequently restrict adult products and toys. Roots POS pairs checkout and inventory tools with processing that is underwritten for your category.
  • Catalog import and SKU setup
  • Hardware recommendations and configuration
  • Staff training on age-verification and refund workflows
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Payment approved

$53.73 · Visa •• 4242

Adult Novelty Stores payment questions

Start with the workflows your business needs. Options on this page include Adult Store Merchant Account, Adult Store Payment Gateway, Adult Store Chargeback Management. Roots helps compare the setup, software and processing requirements around how you operate.
Yes. Bring your current POS, checkout or billing tools and recent processing statements. We review your product catalog, checkout, account history and processing application, then plan the changes your adult novelty stores business needs.
Request a quote for your business. The review covers your payment mix, locations, software, hardware recommendations and implementation work. Consultations and payment reviews are free.
Bring recent payment statements, the systems you use and a record of how a customer places an order, receives a service or pays a bill. Tell us which adult novelty stores workflows need to improve so we can scope a practical setup.

Let’s set up payments for your adult novelty store business

Book a free 30-minute payment review to compare costs, address payment problems and plan your next steps.
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