High Risk Echeck Payment Processing

Are you looking for high risk echeck processing?   You’ve landed in the right place.  National ACH establishes high risk echeck processing accounts for companies unable to obtain ACH accounts due to chargebacks, returns, or business type,

High risk echeck processing accounts allow you higher chargebacks & returns than any other payment method.  High risk merchants in all industries are welcome to apply.

  • Fast Approvals. Speed time to market. Capture more sales quicker.
  • Unlimited Processing Capacity. High risk echeck processing accounts have no caps on volume.  Process as much as you want.
  • Extensive Bank Network.  The  high risk echeck processing platform is integrated with ten banks.  Mitigate processing risk by eliminating dependence on a single bank. 
  • Increase Sales. Echecks are the most popular alternative payment method in America.  Offering echecks in addition to card payments is the easiest way to boost sales with no additional work.
  • Electronic Check Verification.   Prevents fraud, reduces returns and lowers processing expenses. 
  • Ecommerce. Accept checks online. Watch your sales grow.
  • Accept Checks by Phone & Mail.   Unlimited virtual terminals for secure processing of MOTO echeck payments.
  • Bulk Processing.   Upload echeck files for rapid processing of lots of transactions at one time..  
  • Recurring Billing.  Recurring payments are a standard feature on high risk echeck processing accounts.  Great for memberships, subscriptions or products shipped on a regular basis.
  • Cloud Reporting. Fast tracking of all electronic check payments. Robust reporting simplifies management.


What is High Risk eCheck Payment Processing?

Echecks or electronic checks are generic terms used to describe a payment that is automatically debited from a bank account.  At checkout, the buyer chooses to pay with an electronic check and provides bank routing & account numbers rather than card info. 

Echecks are the most popular alternative method of payment for Americans.  Millions of US shoppers regularly pay for goods & services with electronic checks. 

Although the term checks is generic, not all electronic check transactions are processed the same way.  Simply because a company tells you it provides electronic check processing does not mean that the service will work well for high risk merchants. 

High risk merchants have different requirements than non-high risk merchants.. Many high risk merchants can not qualify for ACH accounts because they are unable to maintain the low ratios for chargebacks & returns required by the ACH network.  Additionally, some high risk industries are not accepted by ACH processors.

NationalACH is one of the few companies in the US providing true high risk echeck processing accounts. This method of processing keeps your business safe, protects your business operating account, and gives you great flexibility for returns and chargebacks. 

Be careful when shopping for high risk echeck processing.  Many echeck processors simply print out “substitute” checks which then clear through your business bank account.  This rarely works well for high risk merchants. Many banks do not accept substitute checks.  The items “Return to Maker”, driving up your return ratios.

Banks flag business accounts that have chargebacks and returns.  High risk merchants report that when a business bank sees chargebacks and returns running through an account, the account is shut down. 


Echeck Processing for High Risk Merchants

The technology used by NationalACH for high risk echeck processing utilizes bank-to-bank image transfer technology.  Fully automated electronic check processing streamlines business operations.  And allows you greater flexibility for chargebacks and returns than any other payment method.

All high risk echeck processing flows though the through the electronic check gateway.  The processor assumes the responsibility for chargebacks & returns.  Cleared funds are settled to your business bank account by the echeck payment processor via an ACH credit, similar to how card processing funds are settled. 

High risk merchants experiencing high chargebacks & returns love processing electronic checks in this manner because it eliminates much of the worry about chargebacks & returns.  In addition, since there are no industry restrictions, all businesses classified as high risk merchants are welcome.


What About ACH Echecks for High Risk Merchants?

ACH is good option for high risk merchants only if the businesses maintain the low ratios for returned and revoked transactions required by NACHA, the governing body of the ACH network.

To maintain an ACH echeck merchant account, chargebacks must stay below 0.5%.  Depending on what is being sold, it is challenging for most high risk merchants to comply with this requirement.  Returned transactions cannot exceed 15%, which can also be difficult to achieve for some high risk merchants. 

Even standard risk eCommerce and MOTO merchants report that ACH echecks are too restrictive due to the extremely low threshold for chargebacks.  As a comparison, card brands permit twice the number of chargebacks than allowed by the ACH network.      

Additionally, some high risk merchants may be unable to obtain ACH echeck merchant accounts due to the industry type.  Examples include, but are not limited to adult merchants, cryptocurrency, nutraceuticals, precious metals, travel, MLM, and computer services.


Applying for Your High Risk Echeck Processing Account

Applying for a high risk echeck processing account is a straight forward process.  You submit an application along with supporting documents.  Account approvals take 3-5 business days from the time the completed application file is received. 

Supporting documents include:  Color copy of driver’s license or passport for the signer on the account; voided check from the bank to which processing funds will settle; 3 months business bank statements; 3-6 months of payment processing statements; and business formation documents such as Articles of Incorporation.

Naturally, it is wise to have signer on the account with good personal credit.  If credit is not great, adding a co-signer with good credit helps account approval..

Bank statements need to show positive cashflows.  Be sure that bank accounts have enough money to support the processing volume being requested.

Ecommerce merchants that accept echecks online need to have fully operational websites.  Check your site to be sure that all pages load quickly and display properly.

Post refund and privacy policies on websites.  If products are being shipped, include shipping information.  Make it easy for customers to contact you by clearly displaying contact emails, customer service details, and hours of service.


Tips for High Risk Echeck Processing Approval

The underwriting team may call the customer service phone number or email listed on the application.  During the application process, you may not know if an underwriter calls or emails since it will appear to be simply another inquiry to your business. 

Therefore, during the underwriting process, answer calls & emails promptly.  For calls forwarded to voice mail, the message should give the name of your company and when the caller can expect a response from you.  If email auto responders are used, confirm the receipt of the email and when a response will be sent.  Then respond as promised.

These days, underwriters often conduct online searches for reviews on the company, products, and owners.  It’s a good idea to do this yourself prior to sending in your application so you’ll know what the underwriters will see. 

Of course, most companies will not have perfect reviews.  Still, if negative comments are uncovered, respond to them respond in a polite and positive manner.  This helps demonstrate that you care about your customers and your reputation.   


Benefits of Echeck Processing for High Risk Merchants

Here are the some of the advantages you get when offering electronic checks as a payment option.

  • More Sales.  Electronic checks are the most popular alternative payment option for internet merchants.  Simply adding echecks as a payment options increases sales up to 30%.
  • More Customers.  Over 95% of US households have bank accounts and can pay you with electronic checks.  Get orders from buyers that don’t have cards, are maxed out on cards, or who simply prefer to pay you though a bank account rather than a card. 
  • Decrease Shopping Cart Abandonment.  Rescue sales that otherwise would be lost. If a credit card is rejected, offering an echeck payment option saves the sale for you. 
  • Higher Revokes & Returns.  High risk echeck processing accounts provide you the greatest flexibility for returns & chargebacks than any other payment option.
  • Enhance Cash Flow. Electronic checks automatically debit your customers’ bank accounts.  Take away payment-delaying tactics and eliminate the wait for a check to arrive by mail.
  • Boost Revenues.  By increasing customer payment options with electronic checks, you generate more sales and increase income.
  • Satisfy Consumer Demand.  Buyers expect to have multiple forms of payments offered at check out. Most Americans pay household bills with electronic checks and trust the familiar payment option.
  • Competitive Advantage.  Offering electronic checks at checkout gives you a competitive edge over merchants that do not. Don’t risk unnecessarily losing a sale to a competitor.
  • Reduce Administrative Costs.  Electronic checks virtually eliminate preparing and mailing customer invoices. Electronic checks decrease accounts receivable follow up costs, reduce bank fees; and lower administrative expenses.


Why High Risk Merchants Choose NationalACH for Echeck Payment Processing

The following are reasons high merchants use our electronic check payment processing services.

  • High Volume Capacity.  Once your high risk echeck merchant account is approved, you can process as much volume as you need.
  • Multiple Banks. The echeck gateway is connected to 10 financial institutions, ensuring that processing continues uninterrupted. 
  • Echecks for All Sales Channels.  Accept echecks online.  Accept check by phone & mail orders with virtual terminals.  Upload batch files to secure servers for bulk processing.
  • Returns & Revokes Flexibility.  Electronic check processing allows you higher returns and revoked transactions than any other payment method. 
  • Electronic Check Verification.  Echecks are verified through multiple proprietary databases.  Quickly accept good orders and decline bad ones.   
  • Superior Customer Service.  Get the answers you need or the help you want from highly trained representatives committed to your success. 
  • Recurring Billing.  Great for memberships and subscriptions. Convenient for customers who order on a regular basis.  Split higher cost items into convenient installment payments. 
  • Competitive Rates.  Transparent rates keep your processing expenses under control.   

Let Us Work for You

Your Success is Our Mission

At National ACH, we’ve done our homework on payments. Use our expertise to get the payment processing capacity you need to manage & grow your business. Our “niche” market is high risk & high volume payment processing. Yet, standard risk merchants also benefit from our services. We are always happy to talk with you, with no obligation. Discover top notch service along with the iron-clad secure processing solutions you are looking for. Payments power your business success.


National ACH is a one-stop-shop for all your merchant service needs.

Debit Credit Card Processing

High Volume US & International merchant accounts

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ACH Processing

Auto debits your customers’ bank accounts.  Electronically settles funds  to you

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Same Day ACH Credits

Money sent today is received today

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Echecks Processing

More flexible than ACH for high risk merchants

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