NationalACH is one of the few Payment Processors that Approves High Risk Businesses

ACH Echecking merchant service company NationalACH

  • Easiest way to get more orders and boost profits

  • Free application

  • Fast Account Approval

High risk ACH processing is a powerful way to increase orders and reduce costs.   Experience sales “lifts” of 8-20%.  And save up to 70% on payment processing  costs.

Accept electronic checks online.  Take checks by phone.  Or use your high risk ACH account to collect recurring payments for subscriptions, memberships, or services.

With a high risk ACH merchant account, money is electronically debited from buyers’ bank accounts.  The funds are automatically deposited to your bank account.

ACH processing lets high risk merchants capture more orders from buyers who do not have cards, are maxed out on cards, or who simply prefer to pay using a bank account rather than a card.

High Risk ACH Processing Rates

Some high risk ACH processing accounts are assessed a discount rate plus a transaction fee.  Other high risk ACH processing merchants have flat fee per transaction with no discount rates.  Companies save up to 70% over comparable credit card processing fees.

High volume ACH processing accounts always receive special pricing.  The more transactions, the lower the rates.

Improve Cash Flow for Subscription Billing and Recurring Payments

Direct debits from a customer’s bank account create a more stable cash flow than card payments.  In the US, 25% of cards are reissued each year.  Compare this to bank accounts that, once established, are rarely changed.

Recurring billing is a standard feature of all high risk processing accounts.  Perfect for merchants with news services, information sites, image galleries, video message boards, chat rooms, webcams, digital download and premium content.

Get Going with High Risk ACH Processing

It is easier to get approved for a high risk ACH processing account than it is to obtain a credit card merchant account.   Underwriting criteria is more flexible and not restricted by arbitrary card brand rules.

All high risk merchant processing categories are accepted.  Approval takes 3-5 business days.  The paperwork to establish a high risk processing account includes application forms, proof of identity, and bank statements or processing history.

High Risk Merchants Get Protection against Fraud
Fraud protection ensures good orders are accepted and suspicious ones are declined or held in queue for manual review.  Multiple anti-fraud tools are incorporated into every high risk ACH processing account to safeguard your business.   All accounts include extensive transaction management abilities and full audit trails.