High Risk ACH & eCheck Processing

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High Risk ACH & eCheck Processing

As a business owner, one of your priorities is ensuring consumers have as many payment options as possible for smooth transactions and higher sales volume. While credit and debit cards certainly account for the majority of online payments, that does not mean you want to turn away other payment methods.

Electronic checks (eChecks) are an increasingly popular payment option, allowing customers to enter their banking information instead of sending a check. A virtual terminal allows you to capture the customer's account and routing numbers with the eCheck processed through the Automated Clearing House (ACH) network.

Have you been turned down for ACH and eCheck processing because you have a high risk business? At Express Merchant Accounts (EMA), we can help. While other processors may have turned you down, we work with high risk businesses with tailored virtual terminals to help your business accept checks over the phone or online.

We understand that the ability to accept electronic or paper checks may be very important to your business, stabilizing cash flow if you have a recurring billing model. Recurring payments are a common feature of high risk merchant accounts for merchants that bill for services, memberships, or subscriptions on a regular basis. While about 25% of all debit and credit cards are reissued each year, consumers rarely change their bank accounts to minimize disruption in your cash flow.

Are You High Risk?

Many businesses and industries are considered high risk. You may have been turned down for ACH and eCheck processing from another processor for any of the following reasons:

  • Industry risk. Some industries have a higher risk of chargebacks and fraud than others. Below is a partial list of high-risk industries.
  • Longer chargeback liability period. Your business has a high risk if you offer products or services with a long chargeback liability period. The best example is annual memberships, as customers can initiate a chargeback 18 months after the transaction.
  • New business
  • New industry

High Risk Industries

Common examples of high risk industries include:

  • Adult
  • Free trial services
  • Bail bonds
  • Debt collection, consolidation, or credit repair services
  • E-cigarettes, firearms, and ammo
  • Nutraceuticals
  • Payday loans and cash advances
  • Online dating
  • Web development and SEO
  • Travel services

Start Accepting ACH and eCheck Payments Today

At EMA, we will not turn you down simply because you are high risk. We have tailored merchant accounts for all types of businesses, including new ecommerce businesses and high risk industries, so you can begin accepting eChecks quickly. Contact us today to learn more about our ACH and eCheck processing services with no hidden charges or upfront fees.