As a high risk merchant, accepting echecks is the easiest and the fastest routes to get in business.
The fees are considerably lower than what a high risk credit card merchant processor will give to you.
We take extreme pain including calling up the banks to verify funds availability, account status, payer background before we let the echeck hit your bank account.
Unlike a credit card processor, you can virtually process unlimited volume with echecks. We will scale up as per your sales.
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An eCheck (electronic check) is a form of online payment where money is electronically withdrawn from the payer’s checking account, transferred over the Automated Clearing House (ACH) network, and deposited into the payee’s checking account. With an eCheck merchant account, a business can withdraw payments for a good or service directly from their customer’s bank account. The payment must be authorized by the customer, either by signed contract, via a recorded voice conversation, or acceptance of an internet based “Terms and Conditions”.Explore eCheck More
Check 21 transactions are governed by check laws and the Uniform Commercial Code rather than ACH rules and regulations set by the ACH governing body, NACHA. If your business struggles with the ACH ratios for returns and revokes, Remotely Created Checks are a good option for you.
You control your settlements. Funds can be settled directly to your bank account the next day. No hold times or reserves required.
ACH rules require revoked transactions (chargebacks) to remain below 0.5% and returns under 15%. Check 21 does not have this limitation, giving you greater flexibility on both revokes and returns.
Both ACH & Check 21 transactions are accepted by large US banks. Check 21 expands your coverage to include transactions from credit unions, savings & loans, small banks, brokerages, and checks drawn on credit card accounts.
Check 21 allows more characters to be used on the descriptor than ACH transactions. Details of a Check 21 transaction appear on consumers’ bank statements in the same place as a paper-check transactions. This helps consumers to easily remember the transaction, decreasing risk of revokes.