Echecks for Recurring Payments

Echecks for Recurring Payments

ACH for high risk merchants is an easy way to get more sales from recurring billing models and subscription sales. High risk merchants in many industries, including online entertainment, digital content, and subscription-based products benefit from ACH processing.

ACH stands for Automated Clearing House.  The ACH payment processing network is the oldest and most reliable payment system in the US.  

With ACH echecks, customers pay you directly from bank accounts.  The money is automatically transferred from the buyer’s bank account and deposited into your bank account.

You can accept ACH payments on your website or by telephone.  Integration of ACH echeck processing to your website is done through a simple API interface.  Check by phone and mail orders can be entered manually using a virtual terminal that connects to the secure banking network.

Advantages of ACH Payments for Recurring Billing

Consumers rarely change bank accounts.  Most Americans have payroll directly deposited into their bank accounts and pay monthly bills from their online banking.   Changing a bank account is simply too much of a hassle.

When a recurring payment is made via an ACH merchant account, cash flow remains stable over time.  Customers get used to seeing the transaction on their monthly statement and continue to pay you month after month.

Card processing for recurring payments is different.  Every year one in five cards get reissued.

If you follow the news, you have seen many stories on the security breaches that have caused the re-issuing of cards. Perhaps you’ve even been one of the millions affected.  In addition, cards get reissued if they are lost or when expiration dates expire.

Every time a time card gets reissued, you need to update the recurring payment information.  Which means you either have to contact the customer or have the customer contact you.  It can become a nightmare to manage.  And until the new payment information is received, you are losing revenue.

With ACH echecks, the lifetime value of your customer is increased.  You make more money.  And eliminate the need to continually update payment information.


Millions of Americans pay for goods & services with echecks.  

ACH payments are more effective than cards for recurring payments. Every year 20% of cards are reissued.  Meaning you have to update card information for a recurring card transaction to be approved.  

Consumers rarely change bank accounts.  It’s simply too much hassle. Recurring payments continue uninterrupted. Protecting your cash flow & profits.

Interested in protecting your recurring payments cash flow?

Contact info@NationalACH today.

Get More Sales with Echecks

Rise of Echecks for Online Payments

The number of online ACH transactions increased over 10% in 2012.  Clearly, echecks are experiencing greater acceptance by consumers as a way to pay for purchases made on line.

Te expanding use of online bill pay has helped drive the growth.  Customers commonly pay utility and other bills with echecks, making it a familiar and trusted form of payment.

Echecks are a good option for online merchants that sell goods or services.  Echecks give buyers who do not have cards or who are maxed out on cards another way to pay.

Echecks are not yet authorized in real time.  Transactions clear through the Federal Reserve the following business day.  Therefore, merchants who are selling shippable products often wait 1-2 days before shipping to make sure the transaction is not returned for non-sufficient funds.

Electronic Checks Alternative to Cards

Echecks are the most popular alternative payment method for US shoppers.  Millions of Americans trust electronic checks and regularly use them to pay for goods and services.

When you accept checks online you increase profits by getting orders from buyers that don’t have cards.  Or are maxed out on cards.  Or buyers who simply prefer to pay you with an echeck rather than a card.

More than 30% of internet sites already offer echecks as a payment option at checkout. If you do not accept checks online, you risk losing sales to your competitors who do.  

Echecks for Recurring Billing

Subscription and recurring billing models are particularly well-suited for echeck payments.  Consumers seldom change bank accounts.  Automated payments debit a bank account on a recurring basis.  Customers grow used to seeing the transaction on a monthly basis and seldom initiate chargebacks.

Moreover, customers are used to paying for recurring billing using echecks.  Online entertainment services, web hosting, internet services, and subscription services find that offering echecks as a payment option can increase revenues up to 30%.

Compare this to a card being used for recurring billing.  More than 20% of cards are reissued every year due to expired dates and lost or stolen cards.  Some merchants rely on customers to update cards, resulting in a loss of revenues when customers do not provide the information.  Other merchants incur significant customer service costs trying to manage changes in cards being billed.


Echecks are now mainstream.  It’s simply common sense.  The more ways your customers have to buy from you, the more sales you’ll make.

Accept electronic checks on your checkout page. Convenient for shoppers. Profitable for you.

Do you want to accept checks online?

Contact info@NationalACH today.