Payment solution for the adult industry
A payment solution for the adult industry first and foremost arranges card acceptance at the counter, for adult shops and specialist retail, discreetly and stably through licensed European acquirers that accept the sector. Where mainstream players like Stripe and PayPal refuse the sector outright, we do set up your payments. Online is available as an add-on, but card payments in the shop come first.
Why adult is treated as high-risk
The adult industry is legal, but banks and payment service providers treat the sector as high-risk. That comes down to reputational sensitivity at banks and an elevated risk of chargebacks. As a result, mainstream providers refuse the sector or freeze accounts without warning, even for ordinary shops that simply take card payments at the counter. We do set up your acceptance, with partners who accept the sector and with discreet handling.
Card payments in your store, discreetly arranged: what you get
Your store is an ordinary store, with a till, customers and a card terminal that simply has to work. With us you are treated that way too: professionally, discreetly and without judgement, with one fixed contact person who knows the sector.
Payment terminals for your store
A countertop terminal at the counter, with mobile terminals added if you want them. Contactless, chip and PIN, and phone payments, all as standard. Your customer pays like in any other store, quickly and without fuss, and that is exactly what this sector deserves.
Discreet on the bank statement
The detail that makes the difference in this sector: your customer’s statement shows a neutral, recognisable entry. That protects your customer’s privacy and your own numbers, because an entry nobody has to explain is an entry nobody disputes.
POS integration in a couple of hours
Through LunaPay Bridge your till talks directly to the terminal: the amount transfers automatically, the payment status comes straight back. No typing errors, no till discrepancies. And where such an integration used to be a whole project, with Bridge it is live in a couple of hours.
A second acquirer as an option
An account frozen without warning elsewhere is no exception in this sector. LunaPay works with multiple licensed European acquirers. Where the sector allows it, we decide together whether a second one stands ready as a backup from the start, and if an acquirer stops serving your sector, we move you to another licensed partner.
Online as an add-on if you want it
Selling online too? We add it as a complement: a hosted checkout, payment links and recurring payments, with 3-D Secure as standard and the same discreet handling. One partner, one overview, and card payments in your store remain the core.
Curious what this means for your store? Calculate your rate estimate or request your personal proposal.
Online payments, as an add-on
Selling online too? With LunaPay that is possible as an add-on to your store. Our focus is on payments at the counter.
We assess every online application in the adult industry case by case, with our licensed European partners. Acceptance is therefore not settled in advance.
The rate for online payments depends on your business’s risk profile. There is no fixed rate, which is why we do not show an amount here. You get it in your personal proposal.
Want to know what is possible online for your business? Request your personal proposal or have us call you back.
Also for
Adult shops, gentleman’s clubs and private members clubs that want to take payments at the counter or at the door. From specialist retail to clubs and events: your visitors pay on the spot by card or contactless, and the statement stays neutral and discreet. Run a webshop alongside it, and we add online payments without any hassle. Never explicit in image or wording, always compliantly arranged.
Your payments keep running.
Most providers rely on a single acquirer, the party that processes your card transactions. If that one goes down or refuses your sector, your payments stop. LunaPay works with multiple licensed European acquirers. For each sector we decide together whether a second acquirer stands ready as a backup from the start, and if an acquirer stops serving your sector, we move you to another licensed partner. That is what we call multi-acquiring. In the adult industry, a sudden freeze at one party is a real risk. Where the sector allows it, we therefore decide together whether a second acquirer stands ready as a backup from the start.
Read how multi-acquiring worksWhere are you now?
Secure and compliant.
We work exclusively with regulated, licensed European acquiring partners. Your payments run over certified infrastructure, with PCI DSS for handling card data, 3-D Secure and SCA under PSD2 for strong customer authentication, and careful AML and KYC checks at onboarding. That keeps your acceptance not only stable, but demonstrably in order.
Read how we handle safety and continuityLive in three steps.
Call us or get a call back
In a short phone call we go through your situation, your volume and a start date. No strings, and no visit needed.
Send your documents
You get a clear checklist and an upload link. We think along and keep it simple.
Go live and get paid
After approval we set everything live. Ready to get paid.
Worry-free payments at a sharp rate.
Sharp, competitive rates on transparent IC++, with no surprises, and multiple licensed acquirers behind the scenes. What it means for your sector depends on your volume and your profile.
Frequently asked questions about payments in the adult industry
Which payment provider accepts an adult store?
LunaPay arranges card acceptance for adult stores and specialised retail, discreet and stable through licensed European acquirers that accept the sector. Where the sector allows it, a second acquirer is an option.
Can I take card payments in my adult store?
Yes. We arrange card payments at the counter, contactless, chip and PIN, or by phone, just like in any other store. Online can be added as a complement.
Why do Stripe and PayPal refuse the adult industry?
These mainstream parties exclude the sector outright because of reputation and risk policy, ordinary stores included. We work with licensed partners that do accept the sector.
What does my customer see on their bank statement?
A neutral, recognisable entry. That protects your customer’s privacy and prevents chargebacks on entries that go unrecognised.
Can I also sell online?
As a complement to your store, yes, but we assess every online application case by case: acceptance is not settled in advance. The rate depends on your business’s risk profile, so there is no fixed rate. Online we work with a hosted checkout, payment links and recurring payments, with 3-D Secure as standard and the same discreet handling.
What if my account was frozen or terminated elsewhere?
Call us or get a call back. We sign you up with a licensed acquirer that accepts your sector and take care of the registration. Where the sector allows it, we decide together whether a second one joins as a backup from the start.
High-risk? No-problem.
Request your personal proposal and find out what we can arrange for the adult industry.