High Risk ACH

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We specialize in High Risk ACH Processing and eCheck for high risk business. We approve practically every business type, even if you have been turned down for payment processing. With decades of experience, our team is here to help. Even if you have been shut down by your current processor, we have a solution for your particular situation. We’re available to answer any questions and provide ongoing continued support for our valued customers.

Don’t hesitate, call us immediately for assistance. Our dedicated staff is standing by to assist you. Our typical turn-around time is 3 business days and in some cases the same day. We look forward to working with you  Apply Today

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High Risk Merchant Account LLC can approve high risk ach processing for industries that otherwise cannot find ach processing approval for their product or industry. We specialize in high risk merchant services and can assist you in procuring high volume ach processing for your business. Give us a call today to discuss the possibilities. With decades of experience, we have separated ourselves as a leader in the payment space. Our experienced team is standing by to assist you. Give us a call right now. We are here to help.

We Approve:

  • High Risk Ach Processing
  • High Risk Ach Payments
  • High Volume Ach Processing
  • High Risk eCheck and RDC

What Is A High Risk ACH Processing:

High risk ach processing provides the ability to directly bill a customer’s checking account for payments on goods and services. This is essential for many business entities who do not qualify for traditional ach processing, due to a conflict with acceptable industry or product types. Processing platforms can include virtual terminal entry, upload of spreadsheet batch processing, crm payment integration, and custom api integration solutions. High volume ach processing is typically welcomed for most industries. A recurring billing options can be added to automate ach processing on a pre-arranged recurring payment schedule.

History of High Risk ACH Processing:

Prior to the mid 1970’s, the process of check clearing was a time intensive and laborious one. This process consisted of a check being cashed in bank A by a customer, the physical check being sent to the originating bank and the money being transferred to the cashing bank. The time between the cashing of the check and the cash being returned to the cashing bank could be multiple days, even weeks (depending on the location). To give you a bit more perspective, anyone that has seen the Leonardo DiCaprio film, Catch Me If You Can, shows a prime example of the time it takes for a check to clear. The protagonist, Frank Abagnale would take advantage of the lengthy time the check clearing process would take, essentially committing bank fraud. By adjusting the routing number on the check to the furthest point from his cashing location, he was able to extend the period of time the check took to be mailed, processed and eventually flagged as an invalid check. By this time Mr. Abagnale was long gone. This process,clearly had its flaws, but was the best that the system had to offer at the time.

Then in 1974, revolutionary changes were made to the check clearing process by the American Bank Association (ABA). The National Automated Clearing House Association (NACHA) was formed within the ABA to oversee the Automated Clearing House (ACH) network, see NACHA "What Is ACH". This network was designed to send batches of information quickly and efficiently to update ledgers on current debit and credits. Although the ACH was primarily designed as a method of increasing the efficiency of check cashing, a convenient byproduct of the ACH was to effectively secure the process by hastening the timetable in which the transfer gets completed. This would have made it far more difficult for Mr. Abagnale to have accomplished what he was able to, for as long as he did. Similar to what many with high risk ach payment processors have to go through, the risk increases when a span of time exists between a purchase being made and the service or product being rendered. The longer time a check spends in lmbo, the higher chance of an issue return occurring.

A journal entry has its credits and debits adjusted accordingly and the updated journal presents the up to date information in a far quicker manner than before. NACHA developed the parameters and oversees the manner in which prearranged payments and direct deposits are to be processed. With changing times, came changes in processes, rules and regulations. Although the network was originally designed to process recurring transfers between banks and institutions, it has evolved over time to include one-time transactions and transactions between businesses, government and individuals. Some of these transactions include tax refunds, direct payroll deposits, or bill paying.

Because of the advancements that have been made in technology since the ACH began, the infrastructure that backs the processing system has been able to cope with the growth it has experienced over the years. These advancements in financial technology have seen the system grow consistently over the last three years. According to NACHA, volume statistics continue to grow in 2020 . The benefits of this system present themselves as ones of ease and efficiency. The biggest by far is the speed in which a check is cleared by the bank and is able to be processed for the customer. Future growth has consistently been reflective of things getting faster and operating more efficiently. This will likely be no different for developments in ACH. Financial technology will continue to grow and push the envelope, carrying with it, the support system behind the ACH. This can include anything from quicker speeds, greater reliability and better hardware. Society continues to push towards the digitization of day to day finances. The processing of checks being cleared will be no different. Newer, better and faster ways to transfer checks electronically will continue to be developed and implemented. If one thing is for sure, the internet and digitization will only continue fueling the flames of progress in the high risk ach processing space.

Multiple Payment Choices:

We comprehend the individual payment needs in the warranty space. Processing your customers payments fast and efficiently is our total focus. We can integrate your CRM to set-up recurring payments while your customer is on the telephone. This tends to be the choice for most industry participants. If this is not the right solution for you, we offer website payment integration, call center merchant account virtual terminals, or the traditional credit card terminal on your desk-top. Our trained staff are standing by to assist you in determining the best payment choices for your business.

  • Telemarketing CRM Integration
  • Secure Ecommerce ACH Payments
  • Virtual Terminals with Recurring Payments

Our Benefits:

  • Fast Secure Online Application, provides secure online submission.
  • Multiple Platforms, including CRM & Ecommerce Solutions.
  • Dedicated account managers with decades of experience to share.
  • Diverse Acquirer’s with appetite for high risk ach processing industries.
  • Fast decision turn-arounds on application packages.

Our Mission:

Our goal is to approve all merchants, regardless if you have been shut down or turned down in the past. We understand mitigating circumstances such as chargeback ratios and exponential monthly volume growth can devastate a bank relationship, causing a merchant closure or substantial holds place on an account to protect the bank from losses.

We are dedicated to making every attempt to resolve issues and get your account approved. Our commitment to excellence and going the extra mile to exhaust every opportunity is our mantra. We strive to exceed expectations and utilize our expertise and competence to deliver unsurpassed customer satisfaction.

Our Commitment:

With our team’s unique experience in the payment space, we bring the vital expertise to get your account approved quickly and painlessly. Our staff is committed to providing unsurpassed customer service and strive for 100% customer satisfaction. Give us a call today to discuss all of your credit card processing needs.


At High Risk Merchant Account LLC, your business success is our ultimate goal. Our dedicated staff is standing by to assist you in navigating the payment processing space. With decades of experience, our team is committed to providing competent knowledgeable advice and a plan of action to get your merchant account approved quickly.Call us immediately to get on the fast track for high risk ach processing approval. Our typical turn-around time is 3-5 business days and in certain cases the very same day. We look forward to working with you!     Apply Online Today