High Ticket Merchant Account

High Ticket Merchant Account

A high ticket merchant account with electronic check processing gives your customers the ability to pay you through a bank account rather than with a card.  Echecks offer significant benefits over card processing for companies with high ticket sales. 

High ticket merchant account electronic check processing is used by companies in all types of industries.  Some examples include:  electronics, jewelry, collectibles, furniture, auto accessories, coin dealers, travel, high end fashion, and luxury goods. 

High risk ticket processing with echecks is readily available for companies that are classified as high risk by the card brands.  When you accept echecks, you get make more sales.  While decreasing chargebacks and protecting your card processing accounts. 



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 an Echeck 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.  You can obtain the processing capacity you require quickly and easily. 

To apply for echeck payment processing, 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 echeck account to be approved.  Your account will give you the ability to accept echeck payments online, accept check by phone orders, and process mail/fax sales.  


Why Choose National ACH for Your High Ticket Merchant Account

Over the last 15 years, we have helped thousands of companies increase sales and profits with electronic check processing.  Put our experience to work for you today.

  • Apply for free without obligation.
  • High risk merchant account experts. All businesses classified as high risk merchants are welcome.
  • Specialists in high volume merchant accounts. Get the 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
  • Free technical support.
  • Fully compliant payment platform exceeds all standards for secure transaction processing.    

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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Contact us at (214) 269-9361