Innovative adult merchant account Check 21 electronic check processing boosts sales and increases revenues. Adult merchant account transactions are rapidly processed via bank-to-bank image transfers. Check 21 echecks are not subject to the arbitrary restrictions and slow clearing times of ACH payments. As a result, a business with an adult merchant account has guaranteed fast and reliable electronic check processing to power business growth.

Adult Merchant Account Special Anti-Fraud Protection

Protect your adult merchant account against fraudulent transactions with specialized technology that captures your customer’s signature. Customers sign an online authorization by using their computer mouse to control a software based “pen. This valuable protection is included free with every Check 21 echeck adult merchant account.

Online signatures lower return rates and protect your adult merchant account against “friendly fraud”. Online signatures also increase revenue by decreasing the number of rejected transactions.

As a customer receipt of purchase, an image of a check is displayed, along with the customer’s “signature”. Customers can print the receipt or save it on their computer.

Advantages of Adult Merchant Account eChecks

• Get Your Money Faster. Check 21 electronic checks clear much more quickly than ACH payments. Rapid clearing means you get your money faster.


• Avoid Restrictions. Check 21 echecks are not subject to the restrictions imposed by ACH payments. An adult merchant account can process transactions with confidence without worrying about chargebacks or returns.


• Access to More Customers. Customers with checking, savings, or business accounts at banks, credit unions or brokerage accounts all can pay with Check 21 electronic checks, expanding market reach for a businesses with an adult merchant account.


• Save Money on Payment Processing. An adult merchant account with Check 21 echecks has lower payment processing payment processing rates than credit cards.


• Rescue Sales. If a card payment is declined, businesses with an adult merchant account offer echecks as a payment option, rescuing sales that otherwise would be lost.

Adult Merchant Account Electronic Checks

Echecks are a superb way to capture more sales from buyers who do not have credit cards or simply prefer to pay by echecks. Over 90% of US customers have checking or savings accounts, compared to only 50% who have credit cards. All adult merchant accounts enable you to accept checks online or take electronic checks by phone. Recurring payments for subscription billing are included with every adult merchant account.

Customers paying online simply enter information including routing and account numbers. Customers with check by phone give the information to your customer service representatives who enter it into a virtual terminal.

Check 21 electronic check transactions clear amazingly fast, either same day or next business day depending on time the transaction is submitted. Transactions are governed by standard check and UCC guidelines, not restrictive ACH payments rules.