Posted by NationalACH on Jul 25, 2011

Echeck Processing for High Risk Merchants

Echecks help high risk merchants increase sales, reduce processing expense, and mitigate processing risk.

Electronic checks are the most popular alternative payment method for millions of Americans. Get more sales from shoppers that don't have cards or are maxed out on cards. An many buyers simply prefer to pay you with an echeck rather than a card.

Echeck processing electronically deducts payments from buyers’ bank accounts.. Funds are automatically deposited to your business bank account. 

Accept electronic checks online.  Take checks by phone.  Or collect recurring payments for subscriptions, memberships, or services.

Benefits of Electronic Check Processing

High risk echeck processing gives you a competitive edge, increases market reach, decreases shopping cart abandonment and adds to customer satisfaction.

  • Get More Buyers.  Over 75 million Americans do not have credit cards. Yet 90% of Americans have a bank account and can pay you through with an electronic check.
  • Rescue Sales.  If a card is declined at checkout, offer electronic checks as another way to pay.  Rescue sales that otherwise would be lost.
  • Competitive Advantage.  Over 30% of internet merchants already offer electronic checks as a payment option.  Providing electronic checks as a payment option gives you an advantage over your competitors who do not.
  • Decrease Payment Processing Expenses.  When customers pay with electronic checks, you save money.  Echeck processing rates for high risk merchants are substantially lower than fees charged for credit cards.

Applying for an Echeck Account

It is far easier to get an echeck processing account than a card account. And rates are lower for echecks than for card processing.

Some business types are automatically classified as high risk merchant accounts. This is due to the increased likelihood or revokes (chargebacks) and returned transactions. 

Most high risk merchants assessed a discount rate plus a transaction fee.  Still, flat rate pricing may also be available depending upon the product & service you offer.

High volume merchants accounts always receive special rates.  The more transactions you process, the lower the rates.


High risk merchants get more sales with electronic check processing. Echecks are the most popular alternative payment method for US shoppers.  

Accept checks online. Accept check by phone, mail & fax orders. The more ways your customers can buy from you, the more sales you make.

Echecks are convenient for buyers. And profitable for you.

Are you a high risk merchant that wants to increase sales with an echeck account?

Contact today