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ACH Check Processing

ACH check processing is an ever becoming popular way of accepting payments. Merchants are able to directly debit customer checking accounts. This is a huge benefit for both the merchant and the customer alike. Customers prefer to pay with a payment method that directly comes out of their bank account. This can be shown with the increase in debit card use.  Customers no longer have to be worried about how much they are spending and if they will over spend and have to pay a credit card bill at the end of the month. New laws have made it more expensive for a consumer to pay directly out of their bank account. This is mainly true with debit cards. Since the fees banks charge to merchants has been capped, banks have now started to charge a monthly fee for bank accounts with debit cards. ACH check processing does not charge a fee to the customer in addition to the sale price.

Merchants have also found that receiving payments with an ach check service to be a benefit. It makes it easier for customers to pay and it is likely for payments to be charged back when they are paid directly from a bank account. Merchants are easily able to setup recurring billing options as well. Businesses will make a spreadsheet for all of their customer’s transactions and upload them to the processor when their recurring charge is due. Merchants will also be able to upload transactions for their normal first time or one time orders. This is very important to a growing business because it drastically speeds up accounts receivable and improves cash flow. ACH check processing is also less expensive than most payment processing forms. Check processing is usually half the cost of credit card processing however it can be more depending on your business type.

It is important to partner with a proven ACH check processor when you make the decision to process checks. There are many companies in the market today that offer check processing however they do not have the expertise that Offshore Merchants has when it comes to processing check payments. Customers are able to make quick purchases without the hassle they would normally occur with normal payment methods.

Contact one of our helpful account representatives to assist you in the setup of a high risk merchant account, high risk ach account or offshore merchant account for a high risk merchant.