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How to increase your chances of getting approved for an adult merchant account First and foremost, you should be prepared to answer many detailed questions about your business and, sometimes, your finances. This is because the underwriting process for a high-risk account is usually broader than it is for low-risk merchants. Secondly, the underwriting must be completed before the company gives you an account. About privacy information on the App Store and the choices you have to control your dataUpon approval, you can be sure that your account will be safe from unexpected freezes, holds, or termination of payment when you start using it for payments. Other documentation includes your bank statements, especially if this is your first time applying. A good idea is to have everything ready. Improve your personal credit score Another way to improve your odds of getting approved is by ensuring you have a fairly good history of using your card for payments. 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Most high-risk payment processing companies will be more than happy to profile you if you run a legitimate business. You want to avoid getting caught for supplying misleading information, especially when applying for your account. Unlike using a high-risk merchant account provider, using a regular online payment system provider is a very risky thing to do. Even though PayPal, Stripe, and Square do not accept adult businesses, these payment processors will generally accept adult entertainment merchants when they initially apply. So when these businesses start accepting credit card payments, the credit card processor will flag them. Top 15 Adult Chat Sites: Best Free Online Sex Chat RoomsThe underwriting phase may take up to six months before completion, and this is when they will inform the merchants that they do not process online payments for adult merchant accounts. 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