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High Risk Check Processing
Fast Settlement. No Risk.
Our unique high risk check processing service is perfect for merchants who want rapid settlement of funds. With high risk check processing, merchants experience reduced returns and virtual elimination of chargebacks. Merchants have complete control over settlement accounts.
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Next day deposits accelerate cash flow
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You own the settlement account eliminating the middleman
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Extra protection with check verification pre-submission scrubs
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Flexible submission options via batch, API or virtual terminal
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Free online reporting and account management tools
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Download/import real-time reports into internal accounting systems
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Reduce liability and increase profits
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One-time or recurring billing options
Different than ACH. Better for You.
High risk check processing does not go through the ACH network. All transactions are cleared through the Federal Reserve using new banking technologies. Therefore, you have the flexibility to run your business without worrying about restrictive ACH rules.
With high risk check processing, 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 while protecting your money and your cash flow.
Compare this with an ACH account where a 3rd party payment processor owns the settlement account. When a transaction clears, the funds go into the processor’s account. The processor then decides when to settle the funds to the merchant. High risk merchants must wait 4-7 days (or longer) to receive funds.
ACH high risk processors often require cash reserves. Once the processor or merchant terminates the account, the processor decides when the reserve will be released. The processor may never credit back the reserve. Our high risk check processing has no reserves.
Contact us today. Discover how easy it is to start reaping the benefits of a ACH high risk merchant account.
