High Volume Merchant Accounts

High Volume Merchant Accounts

Are you looking for a high volume merchant account?  You’ve landed in the right place  .  All high volume merchants are welcome, including businesses classified as high risk merchants.

Whether you are a fast-growing company or an established business, high volume payment processing is key to managing and growing your business smoothly and efficiently.  Stop worrying about caps on processing.  Get the capacity to process all your sales safely & securely.

  • Low rates.   Our goal is to provide you the lowest rates and best terms on high volume merchant accounts. Contact us today for a no-obligation rate comparison.
  • Fast approvals.   US high volume payment processing accounts are approved in 1-3 days.
  • Rapid Settlements.   Improve cash flow.  Next day settlements are standard for US high volume merchant accounts.  Same day settlements are available for qualified accounts.
  • Level 1 PCI-DSS High Volume Payment Processing Gateway.  Safeguard your business.  Protect customers’ sensitive information.  Keeps high volume merchants compliant with processing requirements.
  • Wide Network of US & International Banks.  Establish a single high volume merchant account.  Or diversify high volume payment processing with multiple accounts to mitigate risk.
  • Multiple Payment Options.  Accepting more types of payments is the fastest way to increase orders.  Accept all debit and credit cards.  Add ACH, echecks, and alternative payment methods and watch your sales grow.
  • Sell Online.   High volume merchant accounts for ecommerce.  Simple API integration to your website.
  • MOTO (Mail / Telephone Orders).  Unlimited virtual terminals are included with all high volume payment processing accounts
  • Fraud Fighting Tools.   Quickly accept good orders.  Reject fraudulent transactions.   Set aside questionable orders for further review.
  • Decrease Chargebacks.  Chargeback prevention stops chargebacks before they happen.  Chargeback mitigation fights chargebacks you can win.  And 3D Secure is available to offload liability of chargebacks to the card brands.


What is a High Volume Merchant Account?

Businesses in all types of industries require high volume payment processing.  If your company processes more than $100,000 per month, acquiring banks classify you as a high volume merchant. 

Established businesses with processing history find it easy to obtain volume payment processing with low rates, particularly if the company is not classified as a high risk merchant.  Companies in high risk industries are still quickly approved with excellent rates, although fewer acquiring banks accept high risk merchants.  Because of our extensive network of acquiring banks, you can rest assured that your high volume merchant account can be approved. 

Some acquiring banks require payment processing history for approval of high volume merchant accounts.  Yet fast growing companies without processing history often require high volume payment processing in order to take advantage of market demand for their products and services.  The best approach to applying for a high volume merchant account If you do not have processing history is to provide other forms of supporting documentation. 

A well-prepared business plan with pro forma projections is helpful for the underwriting team to understand the opportunity and react favorably to the application.  If your management team is experienced, including resumes with the application file is a good idea.  And business or personal financial information verifying there is enough working capital available to run the business is always helpful for account approval.    


Applying for a High Volume Merchant Account

Applying for a high volume payment processing account is always free, with no obligation.  Our goal is to provide you with the lowest rates, fastest approvals and most favorable terms.

Applying for a high volume merchant account is a straight forward process. You submit a completed information along with additional information about your company.  Documents include:  Government issued picture ID for the signer on the account; most current past 3-6 months of payment processing history (if available); company formation documents such as Articles of Incorporation or LLC; most current past 3 months of business banking statements; and voided check for the bank account to which you want processing funds to be deposited.

Approval times for US high volume merchant accounts are 1-3 days.  High risk merchants are approved in 3-5 days, due to the additional time needed to underwrite the high risk accounts.  International high volume merchant accounts take 5-10 business days for account approval due to time zone considerations. 

When most of your customers are Americans, it is optimal to have a US acquiring bank.  This ensures the highest card approval rates possible.  For companies with targeted markets outside of the US, adding an international merchant account is a simple way to increase card approval rates from global buyers.   

Depending upon your industry and targeted markets, offshore high volume merchant accounts can be a good option for high risk merchants.  Many international acquiring banks have more liberal underwriting guidelines and greater tolerance for certain industries than American acquiring banks.  In addition, international banks often have no caps on processing volumes.

Over the last 20 years, NationalACH has established long-term, trusted relationships with an extensive network of US and international acquiring banks. Providing you with many choices for high volume merchant accounts.  And ensuring that your requirements for high volume payment processing will be satisfied.


How High Volume Merchant Accounts are Approved

The underwriting team immediately starts reviewing the application file as soon as it is received.  The first document that is examined is the application form.  The team confirms details such as names, addresses, phone numbers, emails and other data.  After this the team takes a look at the website.  If you have no website, provide enough information in the application file so the underwriters can understand what is being sold and the terms & conditions associated with the sale. 

The underwriters click through all pages of the website to verify pages load quickly and display correctly.  Information and pricing on products or services is reviewed.  Privacy, refund, shipping and other relevant policies are read completely.  Customer service telephone or emails may be verified to ensure good service is provided to customers.

Payment processing history is examined for with an eye on monthly volumes, chargebacks and returns.   Bank statements are reviewed to confirm enough operating capital is available to operate the business and offset processing risk. 

The underwriting team often check online reviews to see what is being said about the company or owners.  You can do this yourself, so you will know what is out there.  Naturally, no company has perfect reviews.  Still, if you see negative comments, take a minute to reply in a positive and polite manner.  This shows that you care about your customers and your online reputation.

After underwriting is complete, your high volume merchant account is approved.  Your MID (merchant identification number) is issued.  Then you will receive  a secure email with login details to the high volume payment processing gateway .  And you can immediately begin processing.


Quick Tips for Increasing High Volume Payment Processing Capacity

Most US processors will entertain an increase in volume after 3-6 months of history has been established.  If you need more processing volume and cannot wait, consider adding an additional high volume merchant account.  All accounts can easily be managed from the secure payment gateway.  Load balance among accounts based on volumes, products being sold, and other criteria.

If you need more capacity, request an increase in your volume as you get close to current limits. Let the acquiring bank know the reason you need more capacity.  For example, a new advertising campaign, additional products, additional targeted markets, and increasing market demand are all good reasons for needing more volume.

Manage your high volume merchant account to keep chargebacks low. Highly trained representatives are available who can help you understand the many tools available to to prevent chargebacks and fraudulent transactions.

Maintain excellent customer service. Make it as easy as possible for your customers to contact you.   Return calls & emails promptly. Open lines of communication with your customers helps prevent chargebacks.    

Be sure orders are fulfilled in a timely fashion. If you outsource fulfillment, monitor your fulfillment company on a regular basis to assure they are performing to your customers’ expectations.

Monitor your online reputation. If you discover complaints filed with the BBB, industry review sources, social network, or other websites, try to respond.  Do your best to resolve any issues.  Be proactive in protecting your reputation.


Alternative Payments for High Volume Merchant Accounts

The fastest and easiest way to get more sales without any additional work or expense is to add alternative payment methods to your checkout page.  In the US, millions of buyers prefer to pay through a bank account with an electronic check rather than a card. Depending on your industry, simply adding echecks  as a payment method on your checkout page increases orders up to 30%.  Get sales from shoppers who don’t have cards, are maxed out on card or simply prefer to pay through a bank account rather than a card. 

International buyers have payment preferences that vary by country.  If you are targeting the explosive international eCommerce market, adding “in-country” alternative payment methods boost sales up to 40%.  For example, in some parts of the world, local bank transfers are preferred over card payments.  When you accept the alternative payment methods preferred in your targeted markets, you’ll be amazed at the number of shoppers that will use them.  Resulting in more profits to you.   


Why Choose NaitonalACH for High Volume Payment Processing

For 20 years, companies have successfully used our services to establish and diversify high volume merchant accounts.   Here are some of the reasons:

  • Extensive Network of Banks. Acquiring banks are located in the US and world-wide.  Choice of banks ensures high volume merchant accounts to accommodate your business needs.   
  • High Volume Payment Processing. . Quickly and easily establish high volume merchant accounts. Establish one account or set up multiple accounts and eliminate dependency on a single acquiring bank.. 
  • Multiple Payment Methods. Accept all debit and credit card.  Add country-specific alternative payment methods to rapidly increase sales and profits.
  • Fraud Protection.As you business grows, controlling fraud is increasingly important. The high volume merchant account gateway includes customizable cascading rules & filers to keep you safe from cybercriminals. 
  • Secure Level 1 PCI-DSS High Volume Payment Processing Gateway. Military grade encryption and top-notch technology provide safe, compliant processing for high volume merchants.  
  • Superior Customer Service.  Highly trained support team gives you the help you need, when  you need it.

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 855-562-ACH2