Posted by NationalACH on Mar 02, 2015
high risk merchant account

More Sales with Less Risk

The more payment options you offer customers, the more sales you make.  According to Mercator alternative payments are used for 35% of online purchases.

The most popular alternative payment method for US shoppers is echecks.  The majority of US households already use electronic checks to pay household bills online and are comfortable with the using echecks for payments when purchasing online.

Echecks are particularly important for high risk merchants. Accepting checks online helps cut down on chargeback and consumer disputes.  It’s more difficult to chargeback an echeck transaction than a card payment.

Echecks also save money on payment processing fees.  Rates for echecks are significantly lower than those for card transactions.

High Risk ACH and E Check Processing

Merchants that want to offer echecks as a payment option can open a high risk ACH processing account.  Alternatively, echecks can be processed via Check21.  The decision on which to use depends on the nature of your business.

High risk ACH processors use the Automated Clearing House to process echecks.  ACH is a good solution for high risk merchants who can keep revoked transactions (chargebacks) under 0.5%.  Since the ACH system is a batch system rather than real time, cleared funds settle to the merchant’s bank in 3-4 days.

Echecks are a great alternative to high risk ACH.  Echeck payments transactions are processed by bank-to-bank transfers.  Tranasactions clear within one to two business days.  

Echecks give you more far more flexibility for chargebacks and returns than high risk ACH processing.  And much more than card transactions.  .

Setting up Your High Risk eCheck Account

Applying for an account is easy.  You submit an application along with supporting documents including driver’s license, previous processing history (if available), bank statements, and a voided check from the depository account.

Account approval takes 5 business days.  Once approved, you can process transactions online or take checks by phone, fax or mail.  Integration to your website is simple using an API. You can also submit transactions through a virtual terminal or upload batch files.

Merchants in all high risk classifications are welcome to apply for an echeck account.  Including but not limited to: online dating; subscription sales; call centers; timeshare; informercials; software; technical support; travel; collectables; coin and precious metal dealers; money service businesses including check cashers, payday, installment, and auto title lenders; adult entertainment; nutraceuticals; recurring billing; digital products; credit repair; loan modification; ticket brokers; ID theft protection; fantasy sports; ecigarettes; and more.


Adding electronic checks on your checkout page is one of the fastest ways to increase sales. Millions of Americans regularly pay for goods and services with electronic checks.

Accept checks online. Accept check by phone, mail & fax orders. The more ways shoppers can pay you, the more sales you make.

Are you a high risk merchant interested in electronic check processing?  

Contact info@NationalACH today.