Posted by NationalACH on Nov 10, 2011

Get More Orders with Electronic Check Processing

High risk merchants discover adding electronic checks as a payment option at checkout increase sales up to 29%.  And saves 50% or more in payment processing costs compared to high risk credit card merchant accounts.

Boost Sales

Electronic checks give customers another way to buy from you.  The more ways customers have to pay you, the more sales you will make.  That’s simply common sense.

More than 30% of Americans do not have credit cards. Yet more than 90% of US households have bank accounts and can make purchases with electronic checks.

Card Transaction Denied?  Rescue the Sale with Electronic Check

If a card sale is denied, offer the buyer the opportunity to pay with electronic checks instead.  You capture sales that otherwise would be lost.

Reduced Risk for High Risk Merchants

Credit card transactions represent greater risk of future liabilities to high risk merchant than do electronic check transactions. 

Customers can chargeback a credit card transaction for up 180 days after a purchase is made.  But, with electronic checks, a customer has only 60 days to revoke a transaction.

And, it’s harder to revoke an electronic check transaction than it is for a credit card transaction.  For card transactions, customers simply call their card issuing bank to chargeback a transaction.  And the issuing bank almost always takes the side of the consumer against the merchant. 

But, to revoke a check transaction, a customer often has visit the bank, provide documentation and to swear out an affidavit to revoke a transaction.  Far more difficult and time consuming than a credit card chargeback.


Shoppers have many places to buy goods and services.  And high risk merchants represent some of the most competitive industries online.

Alternative payment methods such as electronic checks are among the fastest growing sources of increased revenues for internet merchants. 

Don’t risk losing a sale to your competition just because they have a payment option that you don’t.  However your customers want to pay you, make it easy by accepting their preferred method of payment.

Are you a high risk merchant that wants to accept checks online to get more sales?

Contact today