How eChecks can Boost Your Adult Merchant Business

Sep 12, 2017

Adult Companies offer echecks to boost up revenue, attract new sales and reduce the cost of processing payments. Echecks can be used as a supplementary payment method and are often more affordable in terms of processing payments. What’s more, they help increase sales in adult merchant accounts by 8-20% from customers who lack credit cards or just prefer to pay bills with echecks.

Adult companies, as well as other retailers with a recurring billing model, should consider echeck which makes payments less costly. Retailers should capitalize on recurring billing as buyers develop purchasing habits from a single service provider after getting introduced to a recurring billing system. You can also take advantage of consumer buying habits by introducing echecks to your adult business.

How you can use eChecks for your Adult Merchant

Adult accounts that allow echecks permit customers to make purchases with funds from their savings or checking accounts instead of using their credit cards. At checkout, the buyer keys in their routing and account number instead of a card number. The amount the customer wishes to pay is then debited from his/her account and credited to the retailer’s account. If the transaction is successful, a confirmation email receipt is sent to the buyer.

If you are the company owner who still wonders if consumers will go for echecks when cards are the most accepted method of conducting transactions online, then it’s time you heard the good news. Businesses who have added echecks to their adult merchant accounts are enjoying its great benefits.

About two in every four Americans have no credit cards. 25% of those with credit cards are either close to being maxed out while the rest have already been. It is therefore obvious that you lose by excluding echecks in your account.

Most households in the US have savings or checking accounts. Adding eChecks as an alternative payment method for adult merchants grants a company access to millions of customers who cannot purchase with cards.

It’s also clear that balancing payment options with electronic checks makes processing payments even cheaper. eChecks are less costly to process compared to cards. In fact, reasonably priced echeck processing rates often save companies over 50% as compared to similar rates for card processing.


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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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