High risk processing utilizes Check 21 technology to process electronic checks. High risk processing eliminates the need to comply with arbitrary ACH payments regulations which limit business growth. By using Check 21 high risk processing, you benefit from faster access to working capital, streamlined business operations, and increased profit margins.

Check 21 high risk processing is safe, secure and reliable. Electronic check bank-to-bank image transfers are created using Check 21 technology and clear directly through the Federal Reserve. High risk processing transactions clear quicker than ACH payments and you receive your money faster.

Replace ACH Payments with Check 21 High Risk Processing

Standard ACH payments are fine for low risk industries such as property management, utilities, insurance, and government where the risk of chargebacks or returns is low. Most other businesses find Check 21 high risk processing is a far better option for accepting checks online.

Any business accepting checks online, by mail or by telephone discovers that it is extremely difficult it is to remain compliant with restrictive ACH payments regulations governing revokes and returns. It is far safer to use Check 21 high risk processing than to take a chance on losing your ability to accept electronic check payments due to non-compliance with ACH payment rules.

Advantages of High Risk Processing

• Get Your Money Faster. High risk processing though Check 21 clears transactions quicker and settlement of funds is faster


• Fewer Restrictions.. Check 21 high risk processing is governed by US check law which is more favorable to companies accepting checks online than restrictive ACH regulations.


• Reduce Risk of Fraudulent Transactions. . Digital signature capture helps eliminate fraud. On the payment page, the customer signs an authorization using the computer mouse to manipulate a software based “pen”, protecting you from chargebacks.


• Quicker Notification of Returns. Faster clearing enables faster handling of returns and improves cash flow.

Best Solution for High Risk Processing

Our experienced staff is dedicated to providing you the best Check 21 high risk processing technology at the lowest rates available in the marketplace. Specialized knowledge and experience with high risk processing gives us the ability to truly understand your business payment processing needs. Your company does not need to be classified as a high risk merchant to benefit from Check 21 high risk processing.

Case Summaries

• Internet Retailer. This merchant previously processing electronic checks using the ACH payments network. Despirte his best efforts, the merchant was unable to comply with increasing restrictive ACH payments regulations regarding returns. The merchant switched to Check 21 high risk processing. The merchant reports that replacing the burden of ACH payments compliance with high risk processing has given him the confidence to accept checks online for 10% of his orders. And faster settlement of funds is a real benefit to his company.


• Online Vitamins / Herbal Supplement Store. The business category is classified as a high risk merchant. Merchant applied at 3 different ACH payment processors, and was turned down by all of them. The merchant’s application for a high risk processing account was approved within 2 days. The merchant reports 18% sales lift since implementing the solution 14 months ago.


• Home Fitness Company. This merchant sells exercise equipment via infomercials on late night television. Orders are received by phone, internet, and mail. The merchant had an ACH payment processing account but funds were held 4-7 days before settlement. The merchant also had a 10% reserve. The merchant switched to Check 21 high risk processing and dramatically reduced settlement time and eliminated reserves. The merchant says that faster access to working capital and elimination of reserves was the reason he was able to expand his business by 12% in the past 6 months.