High-Risk ACH Transaction Processing

High-Risk ACH Transaction Processing

According to NACHA (National Automated Clearing House Association), the ACH Network registered 7.3 billion payments in Q1of 2022. A high-risk ACH payment solution helps merchants effectively generate revenue without the need to rely on offline payment methods. How can you, as a high risk merchant, process ACH payments and benefit from them?

High-Risk ACH

ACH stands for Automated Clearing Housing and refers to the electronic transfer of funds directly from one bank account to another account. A high-risk ACH transfer of funds is associated with a direct billing service to a customer’s account when customers pay for the purchased goods.  

Increasingly, more and more businesses opt for ACH payments, and there is more than one reason for this. One of the top reasons is that this payment allows immediate fund transfers from your customer’s account to your account. 

No matter whether you’re interested in high-risk ACH transactions or any other payment processing option for your business, work with a reputable payment processor that can help you with the right deal for your financial needs. 

With a payment expert specializing in the high risk space, you can be sure to get hassle-free access to the most advance, secure and lowest cost merchant processing services in the U.S. 

ACH Payment Processing Steps 

High-risk ACH processing is associated with an ACH debit to a consumer or business checking account. The customer may dispute it as either “Not Being Authorized” or “Authorization Revoked” if the consumer isn’t satisfied with the payment transaction.  

Here is how ACH payments get processed:

  • The originator, that is, a bank or a business, initiates a payment transaction
  • The bank submits an ACH entry 
  • The entries are sent to operators
  • The entries get linked with the deposits category and payments category
  • The ACH entries get sorted and sent to the recipient bank 
  • When funds and the entry category are confirmed, the recipient bank processes the transaction into debiting or crediting money.

ACH Payment Processing for High Risk Businesses

An ACH account for high risk businesses helps merchants process funds quickly. The transaction processing goes through several steps before it’s confirmed. 

Author Bio: Blair Thomas has been a music producer, bouncer, screenwriter, and for over a decade has been the proud Co-Founder of eMerchantBroker, the highest rated high risk merchant account processor in the country that can best help you with high-risk ACH. He has climbed in the Himalayas, survived a hurricane, and lived on a gold mine in the Yukon. He currently calls Thailand his home with a lifetime collection of his favorite books.

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