The owner of a Canberra-based online sex shop has taken on two digital payment services that have refused to accept her as a merchant.

The Pleasure Box owner Deborah Avery filed a complaint with the ACT Anti-Discrimination Commissioner after zipPay and Afterpay turned her down because her business is part of the adult industry.

Pleasure Box owner Deborah Avery is taking on Afterpay and zipPay through the Anti-Descrimination Commissioner. Credit:Rohan Thomson

Afterpay told Ms Avery it doesn't offer its services to adult industry products, while zipPay said it wouldn't service any adult business with a turnover lower than $10 million.

Ms Avery said being refused the specialist merchant services, both of which allow customers the option to buy now and pay later, has caused her economic hardship and placed her at a commercial disadvantage.