EChecks for Informercials and Direct TV Sales

EChecks for Informercials and Direct TV Sales

Echecks Get You More Orders

Ah, the joy of late night infomercials.  It’s late, buyers are tired and vulnerable.  The TV is presenting the solution to all the cares and worries of everyday life.

And in an instant, viewers are the proud owners of exercise equipment, cleaning supplies, beauty products.  You name the product or service and there’s an infomercial or a direct sales presentation geared to make viewers buy.

 Don’t get me wrong.  There are many good and valuable products that are sold by direct marketing and infomercials, which is a massive $150 billion year industry. Yet, direct sales has the inherent risk of buyers’s remorse the next morning for purchasing something that appeared to be so alluring the night before. 

How can you increase orders from your informercials while reducing the risk of payment processing?  Give your customers the ability to pay you with an echeck and watch your sales grow.

More Ways to Pay Means More Sales to You

Let’s face it.  Lots of people watching infomercials don’t have cards.  And more than 25% of card holders are maxed out on cards. Alternative payments such as electronic checks give shoppers another to pay you.  

And when a card is declined, offer an electronic check payment option. Capture sales that otherwise be lost.

Accept check by phone orders. Accept checks online. The more ways shoppers can buy, the more sales you make.

Benefits of Echecks

Echecks are a familiar and trusted payment option.  The wide acceptance of online and check by phone payments is due to the fact that most Americans already pay monthly household bills electronically.  

Consumers appreciate the convenience and ease provided by an echeck payment. The risk of chargebacks is decreased when a payment is made with an echeck compared with a card.  It is more difficult to revoke an electronic check  payment than it is to dispute a credit card payment.

Echecks are also great for merchants that offer shoppers recurring billing. Echecks are more stable for recurring payments than are card payments.

More than 1 in 4 cards 1 in 4 cards are reissued every year.  Cards are reissued for many reasons including expired dates, loss or stolen cards, and security breach.  When a card is reissued, merchants with recurring billing need to obtain the new card information, which adds expense, reducing the overall profits on a sale.

Buyers rarely change bank accounts because it takes too much time and effort to do so.  Making echecks a much more stable solution for recurring billing than card payments.


Electronic checks are the most popular alternative payment method for US buyers.  Echecks are convenient for shoppers.  And profitable to you.

Do you want a fast way to increase your sales?


Checks by Phone for High Risk Processing

Checks by Phone Boosts Call Center Profits

Accepting electronic checks is particularly beneficial for companies in high risk processing categories.

Companies selling through call centers or inbound telemarketing are considered high risk merchants.  These firms find it is easier to establish a payment processing account for electronic checks than for credit card processing.

Checks by phone can be processed through ACH echecks or via Check 21 echeck technology.  The choice of which to use depending upon the specific needs of the business.

ACH checks by phone have lower payment processing fees.  Yet many high risk merchants cannot obtain an ACH echeck accounts. The ACH network limits you to revokes (chargebacks) of 0.5% and returns of 15%.  

Call centers  often have challenges staying below 0.5% chargeback thresholds required by NACHA, the governing body for the ACH network.  If a company exceeds the ACH chargeback ratio, a merchant can lose its processing accounts.

For companies that have consistently experience chargebacks over 0.5%, Check 21 is a good alternative.  Checks by phone using this technology are priced on a per transaction fee plus a discount rate.

Extra Protection for Checks by Phone Payments

Check by phone accounts have 3 levels of verification to protect you.  Accounts include the following verification services which reduce chargebacks on accounts up to 80%.

  • ATM verification (also known as Early Warning) verifies the account is in good standing and that there is money available in the account
  • NCN verification verifies that there has been no history of bad checks written on the account
  • Live verification verifies by phone call to the consumer’s bank that money is still available in the account before the transaction is processed.

Unlike the chargeback process of ACH, consumers who have been debited using the Check 21 echecks process must visit their local branch within 90 days and submit a dispute form or affidavit stating that the transaction is fraud. 

All other reasons are normally not accepted as a purpose for dispute. Since Check 21 is considered a “check” it does not fall under the rules and regulations of NACHA. As a result you have far greater flexibility for chargebacks and returns.


Adding check by phone echeck payments increases your sales and profits.

If a card declines, offer an electronic check payment option & rescue the sale. And get orders from buyers that don’t have cards or who simply prefer to pay with an echeck.

Electronic checks are the most popular alternative payment method in the US. Millions of shoppers buy goods & services over the phone with echecks.

Interested in accepting checks by phone?

Contact today



Echecks for High Risk Processing

Echeck Processing for High Risk Merchants

Echecks help high risk merchants increase sales, reduce processing expense, and mitigate processing risk.

Electronic checks are the most popular alternative payment method for millions of Americans. Get more sales from shoppers that don’t have cards or are maxed out on cards. An many buyers simply prefer to pay you with an echeck rather than a card.

Echeck processing electronically deducts payments from buyers’ bank accounts.. Funds are automatically deposited to your business bank account. 

Accept electronic checks online.  Take checks by phone.  Or collect recurring payments for subscriptions, memberships, or services.

Benefits of Electronic Check Processing

High risk echeck processing gives you a competitive edge, increases market reach, decreases shopping cart abandonment and adds to customer satisfaction.

  • Get More Buyers.  Over 75 million Americans do not have credit cards. Yet 90% of Americans have a bank account and can pay you through with an electronic check.
  • Rescue Sales.  If a card is declined at checkout, offer electronic checks as another way to pay.  Rescue sales that otherwise would be lost.
  • Competitive Advantage.  Over 30% of internet merchants already offer electronic checks as a payment option.  Providing electronic checks as a payment option gives you an advantage over your competitors who do not.
  • Decrease Payment Processing Expenses.  When customers pay with electronic checks, you save money.  Echeck processing rates for high risk merchants are substantially lower than fees charged for credit cards.

Applying for an Echeck Account

It is far easier to get an echeck processing account than a card account. And rates are lower for echecks than for card processing.

Some business types are automatically classified as high risk merchant accounts. This is due to the increased likelihood or revokes (chargebacks) and returned transactions. 

Most high risk merchants assessed a discount rate plus a transaction fee.  Still, flat rate pricing may also be available depending upon the product & service you offer.

High volume merchants accounts always receive special rates.  The more transactions you process, the lower the rates.


High risk merchants get more sales with electronic check processing. Echecks are the most popular alternative payment method for US shoppers.  

Accept checks online. Accept check by phone, mail & fax orders. The more ways your customers can buy from you, the more sales you make.

Echecks are convenient for buyers. And profitable for you.

Are you a high risk merchant that wants to increase sales with an echeck account?

Contact today



Check by Phone Payments Improve Cash Flow

Echecks Boost Recurring Payments

Good news for companies that offer check by phone as a payment option. NACHA the governing body for ACH payments, finally updated the rules regarding telephone transactions.

Under the old rules for check by phone, only one time ACH debits could be authorized by telephone.  But, now you can accept verbal authorization from customers who wish to take advantage of recurring payments.

The change is certainly a welcome one for all companies that take payments over the phone.  Recurring payments are one of the easiest ways to improve cash flow and increase revenues.

Automated recurring payments save companies money.  Cash flows in on a timely basis without any manual intervention, increasing productivity and decreasing expenses.

Recurring Payments Stabilize Revenue Streams

Recurring payments enable businesses to electronically debit customers’ bank accounts on a regular basis.  Perfect for subscriptions and memberships, recurring payments stabilize revenue streams and create a predictable income stream for merchants. Recurring payments increase the life cycle retention of customers. 

Once set up, customers continue to pay month-after-month.  Customers rarely change bank accounts making direct debits an excellent long-term revenue generator for businesses.

Moreover, recurring payments allow merchants to set up easy-payment schedules for customers.  The convenient payment option lets customers to pay for product and services over time, rather than on a one-time basis.

Guidelines for Recurring Check by Phone Payments

 The following information needs to be provided for check by phone transactions:

  • Amount of the recurring payments, or a reference to the method of determining the amount of recurring payments
  • Timing (including the start date), number, and/or frequency of the ACH debits
  • Customer’s name
  • Routing and account number of the account to be debited for the recurring payments
  • Phone number for customer inquiries that is answered during normal business hours
  • Date of the customer’s oral authorization for recurring payment ACH debits.


Electronic checks are the most popular alternative payment method for US consumers. Check by phone payments give your customers a trusted and familiar way to pay you.

Echecks trump cards for recurring billing. Consumers rarely change bank accounts and payment information seldom needs to be changed. 

As a result, recurring payments continue to flow in uninterrupted. And your cash flow is protected.

Interested in a check by phone echeck account?

Contact today


Check 21 for High Risk Merchants

High Risk Processing with Check 21

Check 21 provides an excellent solution for high risk merchants who want to accept checks online or take a check by phone. 

Check 21 technology is particularly beneficial for companies that are unable to keep chargebacks under the 0.5% threshold required by NACHA for ACH payments.

Check 21 technology creates and processes electronic checks by the creation of virtual checks.  The virtual check is a legal substitute check which is then processed and cleared  through the US Federal Reserve.

Check 21 payment processing is easily integrated to a website through a an API.   At checkout, electronic checks are offered as an payment option.  Checks clear fast and your are rapidly notified of any returned transaction.

High risk merchants that benefit most from Check 21 electronic check processing are:

  • Companies with a high percentage of overall returns
  • Companies with higher rates of unauthorized returns
  • Companies who want to more information about a transaction to appear on buyers’ bank statements

Are you a high risk merchants that wants to accept checks online?

Contact today