High Risk Echeck/ACH Merchant Accounts

Echeck and ACH payment processing is a great solution for high risk merchants. It allows you to accept electronic check payments directly from your customer’s bank account to yours. This is done safely and quickly using the Automated Clearing House (ACH) network.

Echecks work like paper checks, but everything is processed online. Customers simply give their banking details, and the payment is handled electronically. There is no need for mailing or manually depositing checks.


What Is an Echeck?

An Echeck is an electronic version of a paper check. Instead of writing a check by hand, the customer gives their account details (such as bank name, routing number, and account number). These details are entered into your system, and the money is moved from the customer’s account to yours using the ACH network.

You can also take paper checks, scan them, and convert them into Echecks for electronic processing.


Why Use Echeck or ACH for High Risk Businesses?

If you are in a high risk industry, traditional credit card processing can be expensive or even unavailable. Echeck and ACH merchant accounts give you another way to receive payments from your customers, while offering many benefits.

Lower Fees

Echeck and ACH processing fees are often cheaper than credit card or PayPal transactions. This helps you save money on every sale.

Faster and Easier Processing

Everything is done online, so you don’t need to visit a bank or wait for long processing times. You also avoid the cost and trouble of paper checks.

No Need for a Third Party

Echeck services are fully integrated. If you are already using a payment gateway, adding Echeck is simple and smooth.

Safe and Secure

Echeck processing is secure and reliable. It uses the ACH system, which is trusted by banks and businesses across the United States.


Benefits of Echeck and ACH Merchant Accounts

Having an Echeck or ACH merchant account can improve your business in many ways:

Better Cash Flow

Payments are processed directly from the customer’s account to your bank. This gives you faster access to your money.

Lower Cost of Sales

ACH payments come with low transaction fees, no matter how small or large the sale is.

Less Hassle

You no longer need to deal with bounced checks, trips to the bank, or long waiting periods.

Happier Customers

Giving your customers more payment options means they can choose what works best for them. This increases customer satisfaction and can lead to more repeat business.

Easy Online Management

You can manage your payments and customers using a simple online platform. This helps reduce your workload and keeps everything organized.


How to Start Accepting Echeck Payments

To accept Echeck or ACH payments, you need a legitimate high risk payment processor. They will help you set up the system and make sure payments go directly from your customer’s bank account to your own.

By offering this payment method, you are opening your business to more customers and lowering your processing costs at the same time.


Get Started Today

If you are a high risk merchant looking for a safe, low-cost, and easy way to accept payments, an Echeck/ACH merchant account may be the perfect solution.

Click here to contact us and learn more about how we can help you set up your Echeck or ACH merchant account.