High Ticket Merchant Account

High Ticket Merchant Accounts

High ticket merchant accounts are the solution for companies selling more expensive products & services.  Accept card payments.  Add electronic check payments to your checkout page to quickly increase profits.

Electronic checks get you orders from customers who don’t have cards, are maxed out on cards, or who simply to prefer to pay you through a bank account rather than a card.  Adding echecks to your checkout page reduces shopping cart abandonment by providing customers an alternative payment method to cards.

Rates for echeck processing are far less than for cards.  Reducing your cost of sales for orders paid with an echeck instead of a card.  

High ticket merchant accounts are available to businesses in any industry. Examples of types of businesses that are considered high ticket merchants include: 

  • electronics
  • jewelry
  • collectibles
  • furniture
  • auto accessories
  • coin dealers
  • precious metal brokers
  • travel
  • financial services
  • high end fashion
  • luxury goods

High ticket merchants in all industries are welcome.  Take payments online though a simple API integration to your website.   Securely enter MOTO transactions with a virtual terminal.  More payment options translate into more profits for you.  While card payments are important, electronic checks provide substantial benefits to high ticket merchants.



Benefits of Echecks for Your High Ticket Merchant Account

Card processors classify high ticket sales as high risk merchant accounts.  The reason for the classification is chargebacks.

If a buyer charges back a high ticket item, the contingent liabilities to the processor is much greater a chargeback from a lower ticket product. 

Additionally, cyber-criminals frequently target high ticket merchants, exposing companies to fraud and chargebacks once the fraud is discovered.  

While there is no way to totally protect yourself against chargebacks, echecks give you an exceptionally effective alternative to safeguard your business.

  • Lower risk for chargebacks. With cards, customers can chargeback up to 180 days after the sale.  The revoke period for echeck transactions is limited to 40 days for high risk electronic check 21 processing.  Or 60 days for high risk ACH processing. 
  • Initiating a chargeback is harder. To dispute a card transaction, customers simply call their issuing bank.  To revoke an echeck transaction, customers must contact their bank and supply the supporting documentation.  Some banks require the customer visit a branch and sign an affidavit. Requiring much more time and effort on the part of the customer. 
  • It’s easier to obtain an echeck high ticket merchant account than a card account. Business that cannot get approved for card processing can use echecks instead.
  • When you accept echecks, you can encourage buyers to pay with an electronic check rather than a card. Reducing the potential chargebacks on credit card transactions. 


How to Apply for Your High Ticket Merchant Account

To qualify for electronic check processing, a minimum of $50,000 per month in volume is required.  No startups are accepted.

NationalACH specializes in high volume merchant accounts.  Quickly & easily establish echeck & card accounts with the processing capacity you require to manage & grow your business. 

To apply for for a high ticket merchant account, you submit an application along with supporting documents.  The documents include information on your company, business bank statements and driver’s license of the signer on the account.  Monthly statements from your current credit card or echeck processing accounts will also be requested. 

Allow 5-7 business days from the time the complete file is received for your high ticket merchant account to be approved.  Your account gives you the ability to accept both card & electronic check payments.  Accept payments online.  And securely process MOTO transactions with virtual terminals included as a standard feature on all accounts.   


Why Choose National ACH for Your High Ticket Merchant Account

NationalACH specializes in high volume payment processing for high ticket merchants.  Put our experience to work for you today.

  • Free application with no obligation.
  • High risk merchant account experts. All businesses classified as high risk merchants are welcome.
  • Get high volume processing capacity you need to grow your business.  
  • Extensive network of banks gives you the ability to establish multiple accounts to mitigate risk. 
  • 24/7 customer service.  Get help anytime.
  • Free technical support.
  • Fully compliant payment platform exceeds all standards for secure transaction processing  
  • Level 1 PCI-DSS payment gateway safeguards your business.
  • Extensive fraud-fighting tools protect you against fraudulent transactions.
  • ID verification services help ensure buyers are who they represent themselves to be.

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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Want to see NationalACH in action?

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Contact us at 702-323-5761