High-Risk ACH

High Risk Payment Solutions

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High Risk
Merchant Credit Card &
ACH Processing Solutions

• Domestic High Risk Processing

• Offshore High Risk Processing

Thousands of merchants trust us to process their transactions and GET PAID.
High Risk merchant transaction processing is a relatively complex process and should not be trusted to someone other than "true professional processors".
Our credit card merchant services will let your business flourish in a friendly and hassle-free environment.

Today Payments Gateway Merchant Services

Why would you want to use an Electronic Check, Check21, RCC or RCPO?
Due to NACHA's rule changes in September 2015, a lot of "good companies" are being barred from using the ACH system to process their one-time and recurring transactions. Your transaction fees may by lower using Electronic Checks than ACH! Why not call us to see if eChecks are "Right for Your Company"?

Electronic Checks (eChecks) are Safe, Simple & Secure... “Electronic Checks” typically are created when the holder of a checking account authorizes a payee to draw a check on that account but does not actually sign the check. In place of the "paper draft" being created, we create an electronic transaction. A Remotely Created Payment Order, (‘‘RCPO’’) is an electronic version of a Electronic Check. Electronic Checks (eCheck) can be a useful payment device for some depositors under certain circumstances. In the current marketplace, eChecks may be used for recurring payments, one-time payments and collection activities authorized over the telephone, as well as contracts that necessitate same-day availability of funds. See Electronic Check versus ACH processing.

A "RCPO" & "RCC" do not get processed through the ACH (Automated Clearing House) and, therefore, are not regulated by NACHA.

A Electronic Check is subject to state law on negotiable instruments, specifically Articles 3 and 4 of the Uniform Commercial Code (U.C.C.) as adopted in each state. Under the U.C.C., a bank that pays a check drawn on the account of one of its customers may charge a customer’s account for a check only if the check is properly payable. A Electronic Check is defined under Regulation CC (Reg. CC), as amended in 2005 by the Federal Reserve Board, as: . . . [A] check that is not created by the paying bank and that does not bear a signature applied, or purported to be applied, by the person on whose account the check is drawn. The drawer grants the payee (merchant) authorization to produce a Electronic Check drawn on the drawer’s account. See both - Federal Reserve System - Availability of Funds and Collection of Checks: Proposed Rule & An Examination of Electronic Checks

Benefits:

• Electronic Checks are not subject to .5% Unauthorized Return Rates

  Collect Larger Transaction amounts than using ACH

  Same-Day Deposit into Multiple Accounts

  Lower Return Rates than using ACH