No Chargeback Payment Gateway for High Risk Merchants

No Chargeback Payment Gateway for High Risk Merchants

Are you a high-risk merchant looking for a no chargeback merchant account or no chargeback gateway?  You’ve landed in the right spot.  Quickly and easily process ecommerce payments with no risk of chargebacks. 

The direct bank-to-bank transfers payment system was designed specifically as a proven effective payment method for high risk ecommerce merchants.  Adding secure bank transfers to your checkout page increases your profits while decreasing your payment processing risks. 

Bank transfers are the most secure online payment system available for ecommerce merchants.  Customers easily pay you on your checkout page without divulging any financial information. Payments are like cash so there is no risk of chargebacks.

  • No Chargebacks. Get rid of card chargebacks & declines, and echeck returns & revokes.  Payments are like cash and cannot be charged back. 
  • Fast Settlements. Funds are deposited in your bank account in 1-2 days.
  • No Reserves. Get all your money.  Free up your working capital. Eliminate risk of losing reserves or waiting 6 months to get them back. 
  • Unlimited Processing Volume.  No caps on volumes.  Process as much as you want.
  • Superb Alternative Payment Method.  Excellent option for high risk merchants that cannot obtain US card processing due to type of industry.  Now you can get domestic high-risk payment processing needed to grow your business.
  • Protect High Risk Merchant Accounts. Mitigate processing risk. Alternative payment method helps reduces overall card chargebacks
  • Simple Application.  Much easier than applying for card or ACH merchant accounts. 
  • Fast Approvals.  Accounts are approved within days. Speeds time to market.  Get more orders quickly.
  • Privacy for Buyers.  Superb payment option for buyers who do not want to provide sensitive payment data to sellers.   
  • Most Secure Online Payment Method.  Real time authorization with guaranteed funds. 


How the No Chargeback Payment Processor Gateway Works

A secure online payment with a bank transfer is like a cash transaction.  Once the buyer authorizes the purchase, funds are guaranteed to be paid to you. 

Customers pay you from checking or savings accounts without revealing any financial information on your website.  It is the only secure online payment method that gives merchants real time authorization and guaranteed funds with no risk for chargebacks.

  1. At checkout, buyers choose to pay with a bank transfer. Customers pick their online bank and are automatically directed to the bank’s website to login.  More than 98% of American banks are integrated with the platform.

  2. Buyers immediately see the invoice of the sale displayed on the online bank site. The buyer authorizes the purchase.

  3. Buyers are automatically redirected back to your website to view and print the purchase receipt.

  4. You receive a real time authorization that payment has been made.  Goods and services can immediately be fulfilled. 

  5. You receive settlement funds within 24-48 hours.

Paying for ecommerce purchases with a bank transfer does not require any customer enrollment or registration.  Customers use existing bank accounts for completely secure online payments.

Also known as “push payments” bank transfers are safest ways for customers to pay you. High risk merchants are happily surprised by the number of buyers who prefer to pay with a bank transfer rather than a card because no financial data is disclosed to the seller.

With bank transfers as a payment option at checkout, customers who do not want to disclose card or bank account information on your site can still buy from you. You increase customer trust and satisfaction.  While boosting your bottom-line profits.

Get an edge on your competition by adding secure online payments bank transfers to your checkout page. The more ways customers can pay you, the more sales you make. 


What Types of Companies Benefit from No Chargebacks Merchant Accounts?

Offering a no chargeback payment option at checkout is simply smart business for businesses considered high risk merchants by acquiring banks.  While all types of ecommerce businesses can benefit from the payment option, it’s most helpful for companies classified as high risk for card processing. 

For high risk merchants accepting card payments, no chargeback payments are particularly valuable.  In fact, a primary reason for a high-risk merchant classification is due to a statistically greater likelihood of chargebacks associated with certain industries.

Businesses can lose credit card processing merchant accounts if chargebacks exceed the ratios required to keep accounts in good standing. Many buyers will use the no chargeback bank transfer option at checkout, resulting in lower overall chargeback ratios for card transactions. 

High risk ecommerce businesses also have shoppers who prefer not to divulge any financial information when purchasing a product or service online.  Bank transfers are the most secure online payment available, allowing customers to buy from ecommerce sites without disclosing card or bank account information to the seller. 

Examples of high risk businesses that significantly benefit by offering secure online payments bank transfers at checkout include, but are not limited to:  Nutraceuticals; travel & hospitality; high ticket sales; collectibles, precious metals; furniture; health & wellness; legal & professional services; software; digital products, website design & development; financial products & services; consultants, seminars & training; online games & entertainment; MLM; auctions; CBD, hemp & related products; and luxury items such as jewelry or designer goods.

Additionally, many companies classified as high risk cannot obtain credit card merchant accounts because their industry types are not acceptable to acquiring banks.  Yet, these high-risk merchants still need an effective way to accept ecommerce payments.  Secure bank transfers are the solution.


Secure Online Payments Boosts Sales, Decreases Fraud, and Protects Buyers

Secure online payments with banks transfers alleviates shoppers’ concerns by providing buyers a safe payment method that does not require any disclosure of personal data, ensuring security for internet purchases. 

Nearly 50% of internet shoppers are worried about privacy and ID theft.  Many people dislike revealing financial information for ecommerce purchases.  Their fears are justified by constant news reports about theft of sensitive financial information due to data breeches at retailers, ecommerce sites; government agencies, and institutions. 

Fraud is always a concern for ecommerce merchants.  Cybercriminals use stolen cards to buy products.  When the real card holder realizes that the transaction was fraudulent, a chargeback always results.  Leaving the merchant holding the bag for the loss of revenue from the sale, the cost of the chargeback itself & the increased chargeback ratios that can affect a high risk credit card processing account. 

Secure online payments with bank transfers are authorized via a real time bank response.  The bank authenticates the consumer prior to authorizing the sale.

Fraud is eliminated.  Chargebacks do not happen.  And payment for the goods or services purchased is guaranteed. 

Offering secure online payments with bank transfers also helps reduce shopping cart abandonment.  Often at checkout carts are abandoned when the buyer has to enter card or bank account information.  Now, they can pay you without disclosing any financial details.  Increasing trust, resulting in more sales & profits to you. 


How to Apply for Your No Chargeback Merchant Account

Applying for secure online payments with bank transfers is much easier than applying for a credit card merchant account. The process is automated with electronic delivery and rapid processing of applications. 

Once you decide to move forward, the application form is securely emailed to you.  You complete the form and send back along with a few supporting documents. Far fewer documents than required by card or ACH processors. 

Supporting documents include:  Color copy of driver’s license or passport; voided check from the depository account; and company formation documents such as Articles of Incorporation / LLC. 

Approvals are fast.  Integration is easy.  Merchants can take advantage of plug-ins to speed time to market.  Companies processing over $100K/mth are welcome to use a simple-to-install API.  


Why Choose NationalACH for Secure Online Payment Processing?

For more than 20 years, high risk merchants have successfully used our services to process ecommerce payments.  We provide card processing, ACH, ecommerce bank transfers and other payment options.  Now, with no chargeback payments, you expand your sales, protect your customers, and increase your profits.

Here are the primary benefits to you.

  • Guaranteed Funds.  Once payments are authorized by the buyer, your funds are guaranteed.
  • Rapid Settlements.  Enhance your cash flow.  Funds are in your bank account in 1-2 business days. 
  • Real Time Authorization.  Fulfill orders quickly and satisfy customer for fast delivery.
  • Most Secure Way to Pay Online.  Increase customer trust, Buyers pay without revealing any sensitive information.  Privacy is protected.
  • Easy to Use.  No registration making secure online payments a breeze. 
  • Gets Rid of Chargebacks, Declines and NSF.  Mitigate processing risk.  Protect your echeck and credit card processing merchant accounts.
  • Bank Security Protects Against Fraud.  Safeguard your business. When customers pay through a bank account with local bank transfers, fraud is eliminated.  And payments to you are guaranteed.  
  • New sales.  Get orders from shoppers who do not want to reveal financial information when buying online. 
  • High Risk Merchants Welcome.  Great payment option for companies classified as high risk.  No reserves, no chargebacks, no worries. 
  • Plug-ins.  WordPress / Woo-Commerce / Shopify.  Super easy implementation. Speed time to market
  • API.  For high volume merchants that prefer direct integration to websites.

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