High Risk eCheck Processing

While most younger audiences have been quick to embrace debit cards and digital wallets, 26 percent of businesses and 14 percent of consumers continue to use checks and e-checks. But that doesn’t mean you have to gamble with whether or not checks will clear.

Put the days of bounced checks behind you and start accepting and processing quicker and more efficiently than ever before. When a customer pays by check, you don’t have to worry about if the funds will clear, as our equipment allows you to convert checks into secure digital documents that ensure payment.

Take advantage of our electronic check services for greater assurance of when you’ll be paid, and be alerted faster if there are any issues. It means less paper and more convenience for staying on top of balancing your books.

There are many organizations out there promising the moon and stars when it comes to payment processing, point of sales systems, and check processing. But they can’t all deliver on their promises. We take considerable pride in offering a wide degree of versatility in our products and services, and we stand behind them with 24/7 support.

High-Risk Check & E-Check Processing

ACH and eCheck payments aren’t instant and can take a few days to appear in the final account, but they have a lot of benefits and can be a vital option for many businesses, especially those in high-risk industries like firearms, debt collection, nutraceuticals, and e-cigarettes.
High-Risk Industries with ACH and eCheck Payments
  • The ACH and eCheck systems are especially useful for companies that handle high numbers of electronic payments regularly, such as those with subscription services, annual memberships, financial services, or travel services.
  • These types of businesses have to have a way of getting paid regularly, safely, and on time by clients. ACH can help with this.
What Is a High-Risk ACH/eCheck Merchant Account?
  • A high-risk ACH/eCheck merchant account can allow your business to process and receive ACH payments from your clients and customers.
  • These accounts make it safe, simple, and seamless for your company to get paid via the ACH system, which can massively improve your rate of business growth and your potential profits.
Difficulties Obtaining High-Risk ACH and eCheck Merchant Accounts
  • Many banks and financial institutions won’t provide these kinds of accounts and services for high-risk businesses.
  • Banks try to avoid working with high-risk companies in general due to their risks.
  • For example, if you’re in the travel industry, banks may worry about chargebacks if people cancel their travel plans due to changing circumstances.
Apply for the Best High-Risk ACH Merchant Account with Zenti
  • A lot of banks and payment processors don’t like working with businesses in high-risk industries and may not offer the high-risk ACH merchant accounts and services you require.
  • There are still plenty of banks that will say yes, and Zenti can help you find them.

Check & e-check application

Fill out the form and we’ll be in touch right away!

Check & E-Check Processing Features

Once upon a time, accepting checks was a much riskier business than it is today.

In the past, you would take a check to the bank and wait days for funds to clear and arrive in your account. That is, of course, assuming the funds were available and the check didn’t bounce.

Now, check and e-check processing works very much like debit card transfers.

echeck merchant account processing

Faster Speeds

Thanks to electronic check processing, the money goes into your account much faster than traditional checks, which can take several days to clear. Which makes your cash flow a lot easier to track.

echeck merchant account processing

Lower Costs

Ditch the fees! Processing checks through an electronic network results in lower fees than credit cards, in addition to the already affordable prices when using Zenti.

echeck merchant account payment processing

Reduced Risk

Cut your risk of accepting fraudulent or bad checks. Our electronic check processing screens our database of risky checks and instantly approves or denies accordingly, significantly reducing your risk in the process.

merchant account credit card processing

Safe and Secure

For you and your customers, electronic processing provides peace of mind. Thanks to state-of-the-art encryption technology, your customers know their transaction is safer than traditional checks that give strangers access to their banking information.

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