What Is High Risk Ach Processing [InfoGraphic]

Understanding High Risk Ach Processing

High Risk Ach Processing

Some of the business owners are rejected from being provided with the ability to ach payments from customers. If you are such a business owner, you don’t need to worry about anything because there is still hope. In other words, you will be able to find plenty of service providers who offer ach processing to business owners like you.

The processors consider several factors into account when determining whether a specific business processes a risk or not. Out of these factors, the risk associated with your business industry holds a prominent place. For example, if your industry is linked to a high risk of “Unauthorized Returns”, you will be denied from receiving a merchant account.

Bad credit can also be considered as a key factor, which determines whether you will be able to obtain a merchant account or not. Therefore, you need to focus on getting rid of bad credit ratings as much as possible. However, you will not be able to do it overnight and you will have to wait for several months.

High Risk Ach Processing can be considered as one of the most convenient methods available for you to stay away from the frustration stated above. In here, you will be able to convert your checks electronically. As a result, Ach payments would be processed without leading you towards any hassle.

High Risk Ach can therefore be considered as an excellent tool that is available for the people to stay away from wasting several hours for the checks to show up. You will be able to receive money for your checks faster than ever. As a business owner, you have a clear understanding on how your clients would be benefited when they are getting paid within a short period of time. This can leave a positive impression on your business as well. As a result, you can easily increase the number of sales that is done by your business. Most importantly, you don’t have to run to the bank and it can help you save a considerable amount of time.

It would be a good idea to have a clear understanding about the ach check processing steps as well. Then you will be able to figure out what’s missing in the payment processing scope of your business as of now. If the customers are not making payments on time, or you have come across instances where you cannot get the payments processed on time, you will have to deal with a lot of frustration. High Risk Ach Processing can keep you away from that frustration.

With High Risk Ach Processing, you don’t need to wait for days, weeks or months in order to get the payments processed. You will be able to get them processed within a short time period of just 24 hours. Therefore, it is extremely important to take a look at this amazing opportunity that you have in front of you. Your business will be benefited by it in the long run.

Contact Us:  If you are experiencing difficulty in getting approved for ach processing and provide a legal product or service. We can help.

High Risk Merchant Account LLC
915 Folly Road, Suite 49
Charleston, SC 29412
1-877 493-4622

eCommerce: Reduce Credit Card Fraud

Reducing Credit Card Fraud For eCommerce Merchants

Ecommerce Fraud

Credit card frauds have become one of the biggest headaches faced by merchants who live in every corner of the world. As a result, all the merchants who offer goods are services are at the risk of losing huge amounts of money. Here is a list of few effective tips, which can be followed in order to stay away from credit card frauds.

Get to know the IP location of your customers

You can easily track the location of your customers via the IP address. Some of the locations are associated with a higher probability of scams when compared to others. If you can figure out that geo-location beforehand, you will get the opportunity to reject doing business with those customers. Comparing the geo-location with billing address  IP address can be used to track the geo-location. Then you can compare it with the billing address to determine whether you are dealing with a genuine customer or not. If you want to make sure that the customer is a legitimate one or not, you can give a phone call and verify.

See whether the country is associated with a higher risk

You can get hold of a list of countries that are associated with the highest risk of credit card fraud. Then you can take necessary steps to stop doing business with customers who come from those countries.

See whether anonymous use of free email has been used

It has been identified that most of the credit card frauds are associated with free emails. Therefore, you can think about using the email address as a parameter in order to stay away from potential fraud.

Check whether an anonymous proxy has been used

Some of the credit card frauds take place via anonymous proxies. Therefore, you can think about analyzing whether your customers come through an anonymous proxy. If you do, you can refrain from doing businesses with those individuals.

Check whether the delivery address is a mailbox

Most of the fraudsters don’t tend to expose their real information such as the address. As a result, they use mailboxes in order to get their products delivered.

Check whether the phone number is a valid one

You can simply give a call to the customer after order confirmation to see whether it is a valid one or not.

Use AVS to ensure customer knows the billing address

The credit card issuing bank should map with the zip code of the billing address. If not, it would be a good idea to refrain from doing business.

Use CVV2 to verify card was present
Your CVV2 verification will reduce stolen card number fraud, if only the card number was stolen.

Give a call to the credit card issuing bank

Contacting the credit card issuing bank can also be considered as a convenient method that is available for you to identify whether you are dealing with a legitimate customer or not.

Ask for more information if there is a doubt

Whenever you come across a doubt, you should never think twice before you initiate the business.

Contact Us:  To discuss a fraud prevention strategy for your business.

High Risk Merchant Account LLC
915 Folly Road, Suite 49
Charleston, SC 29412
1-877 493-4622

Understanding Chargeback Alerts

Chargeback Alerts 101

Chargeback Alerts can be considered as the latest tool, which is being used to track and manage chargebacks in a convenient manner. If you are a business owner, it is important for you to have a clear understanding about Chargeback Alerts, so that you can incorporate them to your business if appropriate.

Chargeback Alerts

What exactly are Chargeback Alerts?

Customers who make payments using credit cards can open disputes due to many different reasons. These disputes are a frustration for the business owners. Chargeback Alerts can assist such business owners to stay away from frustration. That’s because Chargeback Alerts would notify the businesses immediately when a customer opens a dispute. Then you will be able to withdraw the disputed funds from the bank account of your business. In such an instance, the funds would be held until the dispute is resolved. In other words, you would be provided with time to prove that you received the funds via a legitimate sale.  Or else, you can go ahead and provide a refund to the customer. This can assist you to stay away from significant losses in the long run.

Are Chargeback Alerts effective?

It has been identified that Chargeback Alerts are in a position to capture only about 40% of the total chargebacks. That’s mainly because these alerts are obtained directly from the bank of your customers. Only 40% of the banks have subscribed to the Chargeback Alert services. However, this concept is gaining popularity among banks and the probability of receiving Chargeback Alerts is expected to increase in the future.

What should you do when you receive a Chargeback Alert?

When a Chargeback Alert is received, you will only be able to provide a refund to the customer. However, there are some merchants who think of it as a warning, which is provided for them to work with the customer and resolve the dispute. However, such a situation is never going to work and it would be a good idea to offer a refund to the customer.

What is the role played by Chargeback Alerts?

When you go ahead and offer a refund to your customer, the chargeback process would be stopped. As a result, you will not receive any charges from the credit card processor.   Or else, the funds would not be withdrawn suddenly from your bank account as well. Moreover, your credit card processor will not have to experience any negative impact. However, it is important to keep in mind that the Chargeback Alerts are not in a position to deliver the best possible solution to all sorts of businesses.

Contact Us: To discuss your best strategy against chargebacks. Protecting your payment processing and avoiding a merchant account termination is the key to continuity.

High Risk Merchant Account LLC
915 Folly Road, Suite 49
Charleston, SC 29412
1-877 493-4622

Vacation Club Payment Processing

Payment Processing For Vacation Clubs Can Be A Challenge

Vacation Club Merchant Account  

What is Vacation Club?

Vacation clubs are slightly different than the timeshare. Vacation clubs are programs that provide you a place to stay during the vacation in selected resorts. On the other hand, for a timeshare, you have to participate in the program. With the starting price from $5,000 till $1 million. After you have registered, you can choose from the resorts where you will be staying. You have to pay for each residency.

Apart from this, you have to pay additional yearly charges such as membership fee or maintenance fees. There is two major distinctions between the timeshare program and vacation club. In timeshare programs, you usually own a certain resort for specified dates either:

  • A base week interval
  • Several one-week intervals.

Furthermore, most of the timeshares, contribute in exchange programs. You have the chance to exchange your intervals at other places and dates. This exchange must be within the exchange program. On the other hand, in a vacation club, you have no base interval for date and place. The duration and place depend on the amount of occupancy you buy. Your stay doesn’t have to be restricted to one week. You can visit for one or two nights. Moreover, some of the vacation clubs let you transfer or sell your membership. But in timeshares, you can get the membership of the club as a resale. In case you don’t buy the membership for resale, you cannot transfer your interest.

There are few vacation clubs that promise to give your initial payment back. They will be returning it at a set partial value or full value.


The vacation clubs can be divided into 3 groups, the division is based on management and sponsorship. They are:

Main Hotel and Resort Chains

Some of the most famous names of the hotels and resorts that are vacation clubs are:

  • Ritz-Carlton
  • Hyatt
  • Disney
  • Hilton
  • Westin
  • Four Seasons
  • Wyndham

Condo/ Resort Chains

There are some vacation clubs that run their own system of affiliated vacation accommodations. These are not associated with any hotel chain. The range of accommodation starts from condos to mid-price separate villas. Some of them are situated in resort areas while some in the cities. They include:

  • Royal Aloha
  • WorldMark
  • Vacation Internationale
  • Bluegree
  • Diamond
  • World Vacations Club
  • Shell Vacations.

High-end Ownership Program

Some of the programs include the association of individuals who have expensive properties across the globe. The members have to buy their share in the ownership of the property. The starting price is near $100,000 till $1 million. They are usually called Destination Clubs. Some of them are:

  • Markers Destination Club
  • Ultimate Escapes
  • Equity Estates
  • Hideaways Club.

Challenges Of Vacation Club Payment Processing

The challenge for these businesses is to keep their members happy to remain in good standing with their payment processor. Many times customers will get buyers remorse and try to create a chargeback, rather than approaching the seller for a refund. Many times yearly fees can become an issue when the member forgets about their contract and receives an unexpected charge. Business owners are quite often are walking on a tight-rope when it comes to getting shut down by their payment processor.

Contact Us: If you are are experiencing trouble in maintaining payment processing for a vacation club, due to your business type or number of chargebacks.

High Risk Merchant Account LLC
915 Folly Road, Suite 49
Charleston, SC 29412
1-877 493-4622