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High Risk ACH

Offshore Merchants approves merchants that require high risk e-check processing. OM accepts and sets up all new merchants within 24 hours with a 99% approval. No need to wait through any lengthy approval or setup processes.

Benefits of partnering with Offshore Merchants to process your e-check payments:

  • We are not regulated by the NACHA (National ACH Association), so there are no 1% chargeback thresholds
  • Customer accounts are debited same day or next day
  • We specialize in high risk merchants
  • International merchants are accepted
  • One time or recurring payment options
  • Rates are dependent on the business type. USUALLY there are no setup fees or monthly fees
  • Charging back on an e-check is much more difficult than charging back on a normal credit/debit card. Customers most go to their bank in person to dispute the charge.

These industries are categorized as high risk businesses since they are prone to fraud and chargebacks:

TMF Online Dating Web Hosting Timeshare Time Share Infomercial Downloadable Software Outbound Telemarketing Inbound Telemarketing Tours Travel Tour Guides Canadian International High Risk Negative Option Recurring Billing Membership Continuity Pharmacy High Risk ACH High Volume Affiliate Credit Repair Debt Consolidation Loan Modification Financial Adult High Risk e-check High Risk ACH Processing

It is important to partner with a high risk processor to make sure that your account will not be closed once you start running transactions. Work with a company that specializes in high risk processing. 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.