The Power of ACH Payments for Adult Merchants & Why Credit Cards Don’t Suffice

Sep 20, 2022

As an adult merchant, you’re ever looking for ways to increase sales and grow your business. But did you know using credit cards for adult merchant payments can actually work against you?

Here’s a look at the downsides of credit cards for adult merchant payments and how ACH payments can help you increase sales.

Why Credit Cards Don’t Suffice

1. They eat into your profits

The high costs of credit card processing can eat into your profits. When you process a credit card transaction, you’re charged a fee by the credit card company. 

That fee is typically around 2-3% of the total transaction amount. So, if you’re selling a $100 product, you’re paying $2-$3 just to process the credit card. That money could go into your pocket, but it’s going to the credit card company.

In addition to the fees you pay to process credit card transactions, you also have to pay fees to accept credit cards. These fees can include an annual fee, a monthly fee, and/or a per-transaction fee. All of these fees can add up, and they can take a big chunk out of your profits.

2. Transaction risks

Another downside of cards is that they can be risky. You’re on the hook for the charge if you process a credit card transaction and the customer doesn’t pay. This can lead to chargebacks, which can cost you even more money.

The Power of ACH

1. Grow sales

ACH payments can help you increase sales and grow your business without the downsides of credit cards. ACH payments are electronic transactions that are made directly from the customer’s bank account to your merchant account. No credit card fees exist, so you keep more of your hard-earned profits.

2. Low payment risks

ACH payments are also low risk. You’re not on the hook for the charge if a customer doesn’t pay. This means you don’t have to worry about chargebacks.

3. Faster payments

In addition, ACH payments are fast. Customers can pay and see the funds in your account in just a few days. This can help you with cash flow and keep your business running smoothly.

In a nutshell

If you’re looking for methods to increase sales and grow your adult business without the downsides of credit cards, ACH payments are the way to go.

Let us help you get a high risk merchant account today!

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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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