greenlit

High-risk merchant account

Adult & dating merchant accounts

Adult and dating are the most profitable verticals almost no processor will touch. Aggregators freeze funds on the first content review, and "high chargeback risk" becomes the excuse to hold your revenue hostage.

  • Adult is banned or frozen by nearly every mainstream processor.
  • High chargeback exposure demands strong dispute tooling.
  • Discreet billing descriptors and privacy are non-negotiable.
✓ 24-hour approvals✓ Keep your bank✓ No shutdowns

Get approved for Adult & dating

Tell us about your business — pre-qualify in minutes.

Secure · No impact to your credit

50+ industries approved
24–72 hour approvals
No sudden shutdowns
Keep your gateway
Adult & dating

The problem

Why Adult & dating keeps getting shut off

You need discreet billing descriptors, real chargeback defense, and an acquirer that underwrote adult on purpose — so a spike in volume reads as success, not a reason to shut you down.

Greenlit places you with a bank that approves Adult & dating on purpose — and keeps you there.

What you get

Built to keep you processing

24-hour approvals

Bank-driven underwriting, not instant-freeze aggregators.

Chargeback defense

Visa & Mastercard alerts with automated dispute responses.

Multi-MID balancing

Spread volume across banks so caps never freeze you.

Keep your gateway

NMI, Authorize.net and 200+ integrations supported.

24–72htypical approval time
2.5–6.5%typical processing rate
5–20%rolling reserve range
~1%dispute ratio threshold

Typical industry ranges. Your exact terms depend on the acquiring bank and your business profile.

Answers

Adult & dating payment questions

Do you offer discreet billing?+

Yes — neutral descriptors and privacy-first setups are standard for adult and dating merchants.

How do you handle chargebacks?+

With Visa and Mastercard alert programs plus automated evidence responses to keep ratios in range.