JeffPayLinked

Just wanted to post here to introduce myself and the company. My name is Jeff and we, at Paylinked, provide online payment processing solutions to e-commerce merchants worldwide with our focus being in the higher risk industries. We have developed a great check 21 solution for adult websites that works with more accounts than ACH and zero set up costs or monthly fees to implement Check 21. Our rates are also half of those of credit card. Check 21 is not a substitute to credit card, it is more of a alternative or complementary service.

Check 21 transactions are cleared using bank-to-bank image exchange rather than through the restrictive ACH network which is governed by NACHA. Check 21 is an attractive alternative for adult merchants to process electronic checks and avoid restrictive ACH rules regarding chargebacks and returns.

Customers cannot automatically reverse a check like they can with credit cards or ACH e-checks. If a customer has been defrauded,they go to their bank, get a fraud affidavit, sign that the transaction was fraudulent in front of a notary under penalty of felony perjury punishable by up 10 years imprisonment. The notary has to sign and affix their seal. The affidavit can then be returned to their bank and then forwarded to the merchant's bank where the merchant's bank decides whether or not to refund the money. With ACH a customer simply calls their bank to reverse the charge under NACHA rules.


In addition to Check 21, we have a great European credit card processing solution.

If anyone is interested in more details, please do not hesitate contact me - jeff [at] paylinked.com