Posted by NationalACH on Nov 17, 2015
high risk ACH

ACH Payments Soar

Since the introduction of internet and telephone payments in 2001 and the advent of international payments in 2011, the ACH network put into place by the National Clearing House Association has expanded steadily.

Today, over 20 percent of all electronic payments carried out in the U.S. are processed through ACH processing.

The association released on April 15, 2015 a review of the last year’s results. The numbers show a considerable increase in the volume of ACH transactions for 2014, compared to the previous year. This evolution shows that the mechanisms put into place by the association, particularly its comprehensive risk management strategy and clear rules and regulations, are successful and create a safe and predictable business environment.

Overall, the number of transactions carried out over the ACH network amounted to 23 billion in 2014, a 5 percent increase compared to 2013. The growth trend of web transactions, debit and credit, is confirmed by these recent results, as the network registered an increase of 10.2 percent for this type of transactions.

The 4th quarter was the most successful, as web payments increased by 6.67 percent compared to the 3rd quarter of the same year, and by 12.66 percent compared to the 4th quarter of 2013. Recurring payments are progressively more successful, as their volume increased by 4.4 percent.

ACH Payments Compared to Cards

The success of ACH payments results from the many advantages they provide in comparison with card payments.

  • Many customers prefer to pay with an ACH echeck rather than a card.
  • Customers that don't have cards or are maxed out on cards can pay you with an ACH echeck
  • If a card payment declines, echecks give customers another way to pay you.
  • Echecks are more stable for recurring billing transactions than cards. Bank accounts rarely change. Recurring payments continue without interruption.  
  • Customers expect to be offered more than one way to pay.  ACH processing is the most popular alternative payment option.  Millions of US consumers regularly pay for goods and services with electronic checks.  
  • Far fewer chargebacks are associated with ACH payments compared to cards.
  • High risk merchants can obtain echeck processing easier than card merchant accounts. 
  • ACH processing is cost effective with rates significantly less than card payments.    


Given the multiple benefits of ACH payment processing and its expanding share of the national volume of financial transactions, every business is wise to consider an echeck account to increase sales and competitiveness.

Accept checks online with a simple API integration to your website.  Accept check by phone orders.  And process mail and fax orders with a virtual terminal.

ACH payments are convenient for your customers.  And profitable for your business.  

Are you interested in ACH payments for your business?

Contact today.