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High Risk Check Processing
Fast Settlement with No Risk
Our unique check acceptance service is for merchants who want rapid settlement and complete control over their settlement account. Merchants experience reduced returns and virtual elimination of chargebacks.
- Next day deposits accelerate cash flow
- You own the settlement account eliminating the middleman
- Extra protection with check verification pre-submission scrubs
- No monthly fees saves you money
- Flexible submission options via batch, API or virtual terminal
- Free online reporting and account management tools
- Download/import real-time reports into internal accounting systems
- Reduce liability and increase profits
- One-time or recurring billing options
Different than ACH. Better for You.
Most ACH companies are 3rd party processors. That means the processor owns the depository account at the bank. When a merchant transaction clears, the funds go into the processor’s account. The processor then decides when to settle the funds to the merchant. Lower risk merchants may get funded in 3 days. High risk merchants must wait 4-7 days (or longer) to receive funds.
ACH processors require cash reserves for high merchant accounts.Once you terminate your account, the processor decides when to return your reserve. You may wait for years to recover your reserve or possibly your reserve may never be returned. If the ACH processor goes out of business you lose your reserve plus any settlement funds that are due to you.
With our service, you own the settlement account. When a transaction clears, the funds go directly into your account. There is no 3rd party processor in the middle. By eliminating the middleman, you mitigate risk. You protect your money and your cash flow.