Adult Payment Processing

Even though many payment processors will not work with higher risk businesses, such as adult merchants, the e commerce merchants in the adult industry do have other options in addition to credit cards or debit cards for accepting online payments, including check processing which has become one of the most preferred billing methods. Adult payment processing and adult check processing services have attracted many adult businesses by providing long term, stable accounts with lower transaction fees than many credit card processors will charge while customers have also been attracted to making payments using their checking accounts as it simplifies their finances by reducing credit card transactions and lowering credit card bills.

At Adult Merchant Services, we work to provide merchants with the best solutions for their business needs, whether it’s accepting credit cards or using an ACH or eCheck services, we focus on providing the best services with the lowest account fees. With our large network of payment processing and banking institutions we have grown to become a leading adult payment processor, providing most adult merchants with direct banking relationships and payment services for their business.

The Best Adult Payment Processing Services

• Adult ACH
• Check 21 Processing

Both types of payment processing services draw funds directly from the customer’s checking account; the handling of funds and guidelines for each service vary and is what makes each service beneficial to different businesses based on their needs.

Adult ACH Processing, also known as the Automated Clearing House, is an electronic network used in the United States for financial transactions.  Every year the ACH Network handles billions of transactions that account for everything from bill payments to payroll  transactions. An ACH transaction is a simple electronic transfer of funds between 2 financial institutions.  ACH transactions are monitored and regulated by the financial institutions that are members of the NACHA organization.  While the Federal Government does not oversee these transactions, their Federal Reserve member banks account for about 60% all ACH transactions.  Guidelines for these transactions are strict and closely monitored.  Financial Institutions and Merchants are subject to any fines or fees assessed from NACHA or the Federal Reserve.

Check 21 Processing is an alternative payment solution for financial institutions that was put into effect through the Check Clearing for the 21st Century Act in 2004 as an alternative solution for our vulnerable ACH system. Check 21 was designed as a way to reduce the dependency financial institutions have for physical checks by allowing for the electronic processing of checks.  Digital images of checks are created and then used between banks instead of sending physical checks.  Many merchants have opted for Check 21 due to the less stringent guidelines that ACH transactions follow.  This has allowed for merchants to process a wider array of transactions without having to be concerned about having payment accounts closed.

Accepting Check Payments

ACH and Check 21 both provide reliable and affordable options for merchants looking for adult payment processing services in addition to or in lieu of credit card processing services.  Depending on the business’ billing model, Check 21 might be a more suitable solution for the merchants needs if they experience higher chargebacks or NSF declines versus the terms set forth by the Automated Clearing House.

Payment Processing FAQs

For more information on check processing services, check out answers to some frequently asked questions from the governing bodies.

• Federal Reserve Check 21

Get Started Processing Payments Today With Adult Merchant Services

Contact one of our payment processing professionals at Adult Merchant Services to ask any questions about check processing or to determine if accepting checks might be a good solution for your business. Our staff will be more than happy to answer any questions or to give assistance to merchants with existing payment processing services.

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