ACH E-Check Processing for Adult Websites

Sep 19, 2013

Before you blush, remember it takes all kinds to make this world go around. Saying that brings us into the eCheck processing for adult websites. Needing many options for different venues and programs that the sites run, the merchant accounts have gone the extra mile to make sure they have what it takes to work with a high risk account. The eCheck makes it possible to take another option when someone’s credit or debit card is unavailable.

The adult website’s are so abundant, that counting them would take longer than what is actually on the web. So, for information’s sake, we will say….. somewhere between 30 and 80 percent are for adult sites. That’s something to keep the merchant accounts busy.

Steps to take

Check on your credit and establish if this will be an uphill climb or not. Find a list of merchants for you to fill out an information sheet and wait for them to accept or deny you as a new customer. Normally, in twenty four to forty eight hours they will have an answer for you.

Make sure you check into the ACH eCheck processing program.

Raising the bar

Having that ACH eCheck processing program will increase your sales by as much as twenty percent. Not as many people have a credit card as you would think, and sometimes the debit card is shied upon due to the risk of it showing on the bank account. Most people would not have an issue with it; after all, they have decided to enter into the Adult site by their own free will. But, to put it delicately, sometimes there are other adults in the home that they do not wish to alert to their purchase.

The eCheck makes it a little easier to get it passed the censoring units in the household. And as an adult dating merchant account holder, it is your responsibility to assist customers and make things as easy as possible for them while giving them acceptable options.

Low Cost

The eCheck is also a money saver for you. Their processing fees are considerably cheaper and if you have a membership fee for certain things on your site, this will make it much easier on a month to month basis. You save money and they just program the payment right into their account. That makes things so much more efficient for the both of you.

Money Maker

With a little extra help from the merchant servicers, you can have your cake and eat it too. You will be able to collect on cards, take membership fees and process eChecks to save money and time. For that area of consumer’s that do not have credit cards, you have opened a whole new avenue of income.

Find your high risk merchant account that works for you and ask about the ACH eCheck service. I don’t think you will regret it over a matter of time. Your customers will love the options. Good luck!


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Having a merchant account allows an account holder to take advantage of merchant cash advances. When a merchant is approved for an advance, the business agrees to receive a lump sum of cash in exchange for an agreed-upon percentage of future credit card sales.

Pricing varies depending on the merchant’s industry, past credit card processing history, the type of business seeking the account, average ticket sales, and average transaction volumes.

Yes, EMB works with merchants who are building their credit, as well as those who have poor credit. EMB also approves merchants that have no credit card processing history and businesses that have lost their merchant accounts due to high chargebacks.

Several factors influence a merchant’s risk level. Though only one factor likely will not get a merchant classified as high risk, a combination of these may: business size, location, and industry, credit score, credit card processing history, a industry’s reputation for excessive chargebacks, a prior history of high chargeback ratios, and whether a merchant exclusively sells online.

Virtual terminals are stationed on a merchant’s website, making it easy for customers to make a payment or purchase online. Merchants or a payment processor can easily set up virtual terminals, so online businesses can accept credit and debit card and e-check transactions.

A merchant account is a business account with an acquiring bank. Without this business account, which actually works more like a line of credit, a merchant cannot accept and process credit and debit card transactions. Businesses need a merchant account to accept major credit cards via a static point-of-sale terminal, mobile card reader, or through a virtual payment gateway.

After filling out EMB’s simple online application and submitting any necessary, requested documents, many merchants get approved within 24 and 48 hours.

EMB specializes in working with high-risk merchants. EMB works with many merchants, including but not limited to businesses in these industries: gambling and gaming, adult entertainment, nutraceuticals, vaping and e-cigarettes, electronics, tech support, travel, high-end furniture, weight loss programs, calling cards, e-books and software, and telecommunications.

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