Obtaining a high risk merchant account directly with a processing bank has always been difficult for merchants classified "high risk" by Visa and Mastercard for various reasons. It has been especially difficult for adult entertainment merchants and adult website owners, because for the past 10 years or so, there have only been two banks in the U.S. who accept adult merchants. XMerchant is the first processor in over 10 years to set up a direct relationship with a third U.S. bank to offer direct merchant accounts to adult entertainment merchants and website owners.