best adult payment gateway

Best Adult Payment Gateway Options

E commerce companies have many options for payment processing services available to them, with well over 50 different payment gateway service providers and countless merchant services  and merchant acquiring banks, there are thousands of options available to businesses.  Deciding on the best payment gateway for a merchant can depend on the bank they are working with, the functionality required of the gateway and the budget of the business.

Payment gateways are a PCI compliant payment application that allows a merchant’s website to be connected to their acquiring bank in a secure environment, preventing the threat of fraud or other security breaches that could compromise the safety of the customer’s payment card information.  Most payment gateways are able to connect with the various payment platforms and acquiring banks, allowing for flexibility among merchants with a merchant account already.

Most payment gateways are designed for easy integration into the larger merchant acquiring banks, payment processors and financial institutions that primarily work with general e commerce businesses.  While most payment processors have specialized in the retail or person to person (P2P) payments industries, there continues to be a need for gateway services for businesses operating in the medium to high risk niches, including adult merchant account,s firearms merchant accounts another restricted merchant account categories.

Most merchant services providers have either purchased or built their own payment gateway to provide in house services for their clients, a function that makes the integration process easier for merchants and more profitable for the merchant services providers. While there many different payment gateways available in the industry, we will try to touch upon a few of the larger and more commonly used gateway service providers to help clarify the functionality and capabilities of these applications.

Authorize.net:

Formerly part of CyberSource and most recently acquired and now part of the Visa network, Authorize.net has been handling payment transactions since 1996 and is one of the largest and well known payment gateway service providers in the industry today.

Payeezy Payment Gateway:

Owned by First Data, Payeezy provides integration into over 70 of the largest and most widely used shopping cart programs along with integration into their proprietary POS system Clover, Payeezy provides First Data customers a uniform payment experience across their various platforms.

PayFlow Payment Gateway:

PayFlow, by PayPal, allows merchants to accept payments in 25 different currencies from over 200 different countries, making it a versatile solution for merchants around the world or looking to expand their customer base globally, offering solutions for both PayPal  processing services or 3rd party merchant accounts.

Inovio Payment Gateway:

Owned by North American Bancard, Inovio is the recommended gateway for their payment processing network – offering merchants full payment gateway services and independent sales organization the ability to offer white label and private label solutions.  Please note, not much information is available on the Inovio payment gateway website about products or services offered.

Allied Payments Gateway:

Built for clients of all sizes from startup to Fortune 500, the Allied Payment Gateway accepts a wide variety of merchants types, including medium to higher risk clients. Features of the gateway allow for multiple merchant accounts, invoicing and billing services along with multiple user management.

 Virtual TerminalMobile PaymentsRecurring PaymentsMultiple Merchant AccountsInvoicingAccept eChecksQuickBooks IntegrationAddress Verification Services (AVS)PCI-DSS CompliantAccept High Risk Industries
Authorize.net
(Visa)
YesYesYesNoYesYesYesYesYesNo
Payeezy
(First Data)
YesYesYesUnknownYesYesYesYesYesNo
Inovio
(NA Bancard)
YesYesYesUnknownUnknownUnknownUnknownYesYesYes
PayFlow
(PayPal)
YesYesYes (additional fees apply)NoYesYesYesYes (additional fees apply)YesNo
Allied Payment GatewayYesYesYesYesYesYesYesYesYesYes

Best Payment Gateway for Startups

Most merchant service providers can offer a payment gateway solution that is either automatically or very easily integrated with their merchant account services.  While the recommendations below are only for the payment gateway, it is always suggested that businesses check other providers for merchant account fees.  Our recommendations for startups looking for a payment gateway service are:

  1. PayFlow: With options starting at $0/month to $25/month and transaction fees as low as $0.10/transaction, merchants can potentially lower their costs by using the PayPal application with their existing merchant account. Many merchants might consider using a merchant account through PayPal once they open their online doors or utilizing a hosted payment page for products eliminated the need of a payment gateway.  Security and other add on features are a la carte, so merchants using AVS or recurring billing might consider other options as fees can become costly.
  2. Authorize.net: The Visa gateway is a versatile payment application that most merchant services providers already offer to clients upon merchant account setup. Nearly every shopping cart has built their integration around the parameters of Authorize.net, insuring a quick API integration by the web developer and a seamless buying experience by the customer.
  3. Allied Payment Gateway: This gateway offers a simple API integration for use with over 100 of the most common shopping cart programs used today, including woocommerce, ubercart and opencart. Transaction fees are comparable to Authorize.net and PayFlow with low cost AVS and no cost recurring billing features.

Best Payment Gateway for Larger Merchants

Most larger businesses need a way to manage customers and handle their accounts receivable, tasks that are usually handled by accounting or other software programs. Unlike most startups or some smaller businesses, established companies need a more advanced payment gateway that can simplify their process and provide the necessary functions required by larger organizations.

  1. Allied Payment Gateway: Designed to accommodate the largest of merchants, the gateway provides the options to allow businesses with multiple merchant accounts a simple way to manage their transactions between accounts.  The gateway also offers businesses the ability to have multiple users, invoice and store payment card information on file in a remote location, simplifying the billing process.
  2. Authorize.net: As one of the largest payment gateway services with nearly 20 years of service history, businesses can integrate into this Visa gateway with relative simplicity. While high volume or multiple merchant accounts are not as easily managed as the Allied gateway, many merchants have used this application.
  3. Payeezy Payment Gateway: Partnering with First Data will insure that merchants have a reliable and secure merchant services provider. Payeezy provides integration into the First Data Clover POS system to help businesses with both e commerce and retail storefronts to manage their sales and inventory.

Best Payment Gateway for Adult Businesses

Operating an adult business requires using an adult merchant account provider that is familiar with the industry and can set merchants up with all the proper payment services. While First Data, PayPal and many of the other merchant services providers will not work with adult, there are a few adult payment gateway service providers that continue to partner with higher risk industries.

  1. Allied Payment Gateway: Specializing in high risk industries, this gateway was built with startups and smaller businesses in mind but is customizable for the largest clients, including high volume and recurring billing businesses with multiple merchant accounts.
  2. Inovio Payment Gateway: As a part of the North American Bancard product portfolio, this gateway is able to accept adult merchants without any trouble. Its ability to accept higher volume or multiple merchant account businesses is unknown with the limited information available online.