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Same-Day ACH & eCheck Processing For High-Risk Businesses

Same-day ACH and eCheck processing are still underused payment taking methods compared to other forms, e.g., credit cards. However, they always have the benefit of providing instant cash when you’re in need. You receive your money as soon as the on the same day; a feature that makes them unique compared to other payment techniques.

So if you’re the entrepreneur whose business requires both/any of the payment services mentioned above, don’t worry where to start from. First American Merchant is a financial service provider that offers same-day ACH as well as eCheck processing. And they do this at very low rates even for business that are grouped as high risk but are legally established.

It used to be a hassle qualifying for ACH and electronic check processing with the traditional providers. In fact, some will still reject your long-established company if they deem it risky. But contemporary financial institutions are on a campaign to help high-liability merchants effortlessly launch eCheck and high risk ACH processing at affordable rates. Plus, most of them are ensuring customer assistance to guide you on how to start in on accepting payments.

It’s easier and cheaper working with a vendor that offers an eCheck processing account complete with both the website API and virtual terminal. It is through the virtual terminal that you manually enter all check orders you take via phone. The website API, on the other hand, enables buyers to key in check payments on your site.

This payment system is convenient for micro to medium businesses looking to start taking checks online or via phone. You grow your customer base, and for the icing on the cake, you receive your money on the same day you key in check sales; which is excellent because it ensures your cash is steadily flowing.

Plus, any legal business is eligible as long as you can explain its complexities and back your claims with some papers. Here are industry categories that straight-away qualify;

  • Adult Websites/Novelties
  • Auctions
  • Annual Memberships
  • Alcohol Sales via Internet and Phone
  • Business Opportunity
  • Bad Credit
  • Bail Bonds – Card Not Present
  • Credit Repair/Credit Counseling
  • Currency Exchange (FOREX, Bitcoins, quasi-cash)
  • Cigars/Cigarettes
  • Collections Agencies
  • Continuity (free-trials, negative option/opt-out billing)
  • Debt Reduction/Debt consolidation
  • Discount Medical Cards/Memberships
  • Dating Websites and Services
  • Donations
  • eBay Merchants
  • Escort Agencies
  • Extended Warranties
  • Ebooks/Digital Downloads
  • Electronic Cigarettes (E-Cigarettes) and Accessories
  • File Sharing/Cloud Hosting
  • Financial Services
  • Firearms/Weapons
  • Furniture/Home Décor
  • Gift Certificates/Gift Cards
  • Hotel Reservations
  • Investing Advice – Stock Tips/Trading Software
  • Large Ticket Sizes
  • Legal Services
  • Magazine Subscriptions
  • Medical Services
  • Multi-Level Marketing (MLM)
  • Non-Accredited Degrees
  • Nutraceuticals/Dietary Supplements
  • Pharmacy
  • Penny Auctions
  • Precious Metals and Jewelry
  • Prepaid Phone Cards
  • Property Rentals
  • Psychics
  • Remote PC Technical Support
  • Search Engine Marketing (SEO, PPC, etc.)
  • Sports Picks and Handicapping
  • Stun Guns/Personal Defense
  • Tax Debt Reduction
  • Tickets to Shows/Events (advanced booking)
  • Timeshare Sales and Advertising
  • TMF Merchants
  • Tobacco Products
  • Travel Services
  • Video Streaming
  • Warranty Services
  • Web Hosting
  • Vacation Rentals


Compare rates and quality of service across all providers and get started on same day eCheck and ACH processing.