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High Risk ACH & eCheck Processing

Overview

The Best Choice For High Risk ACH And eCheck Processing.

Why are we a top ACH or eCheck choice? Because every client gets three guarantees (whether you sell online, over the phone, or in a retail location):

  1. Instant Online Quote.
    When you submit your application, you’ll get an instant price quote to DocuSign. No offline paperwork, no faxes, no waiting.
  2. Industry Minimum Pricing.
    You will automatically receive Industry Minimum Pricing in your online quote. No more frustrating haggling with sales reps.
  3. Friendly Client Support.
    When you call or email, you’ll always speak with our friendly, in-house client support team.

My Payment Hero specializes in mid risk as well as specific high risk industries (the terms “mid risk” and “high risk” are used here, from the perspective of the merchant services industry). We offer both ACH and eCheck services, but ACH is typically reserved for businesses defined as “low risk” by the banks. If your business is “high risk” we can offer eCheck processing options. We are proud to serve the following industries with the combined coverage of our e-Check and ACH services:

Antiques & Collectibles
Apparel & Clothing
Bad Credit
Bus Lines
Cannabis Support Businesses
Caterers
CBD Oil & CBD Products
Continuity Products and Subscription Boxes
Credit Repair
Credit Monitoring
Debt Collection
Digital Streaming
Document Preparation
Fantasy Sports
Firearms & Ammunition
Furniture & Home Furnishings
Health & Beauty
Hotels & Lodging
Insurance / Warranty
Legal Services
Magazine Subscriptions
Medical Billing & Coding
Medical Supplies
Membership & Recurring Billing
MLM Companies
Transportation & Moving
Non-Profit
Nutraceuticals
Pawnbrokers & Pawn Shops
Pet Products
Precious Metals
Property Management
SaaS Companies
Seminars & Coaching
SEO / SEM / Ad Agency
Smoking Accessories
Survivalist & Tactical Gear
Telemedicine
Tobacco & Cigar
Travel & Timeshare
Vape / e-Cig / eJuice
Veterinarians
Web Design & Development
Other Mid & High Risk

Please note, this is NOT a complete list; My Payment Hero serves 50+ additional mid and high risk industries, too.

ACH (Automated Clearing House) is a network established by US banks that enables efficient transactions between checking and savings accounts held at those banks. A high risk ACH account is simply an account for ACH processing, for a business that is categorized as high risk.

eCheck (or electronic check) is an electronic version of a paper check used to make payments online. Anyone with a checking account can pay by eCheck.

To make a payment with an eCheck, customers simply provide their bank routing number, account number, and name on their bank account in a secure online portal. From there, a check is generated and sent to the merchant’s bank, where the funds are deposited.

eCheck is slightly different than ACH, as the funds are not directly wired between accounts. Put another way, ACH refers to the process used to move money electronically between bank accounts. An eCheck is an abbreviation of the term “electronic check,” and is a payment method.

My Payment Hero specializes in mid risk as well as specific high risk industries (the terms “mid risk” and “high risk” are used here, from the perspective of the merchant services industry). We offer both ACH and eCheck services, but ACH is typically reserved for businesses defined as “low risk” by the banks. If your business is “high risk” we can offer eCheck processing options. We are proud to serve the following industries with the combined coverage of our e-Check and ACH services:

Antiques & Collectibles
Apparel & Clothing
Bad Credit
Bus Lines
Cannabis Support Businesses
Caterers
CBD Oil & CBD Products
Continuity Products and Subscription Boxes
Credit Repair
Credit Monitoring
Debt Collection
Digital Streaming
Document Preparation
Fantasy Sports
Firearms & Ammunition
Furniture & Home Furnishings
Health & Beauty
Hotels & Lodging
Insurance / Warranty
Legal Services
Magazine Subscriptions
Medical Billing & Coding
Medical Supplies
Membership & Recurring Billing
MLM Companies
Transportation & Moving
Non-Profit
Nutraceuticals
Pawnbrokers & Pawn Shops
Pet Products
Precious Metals
Property Management
SaaS Companies
Seminars & Coaching
SEO / SEM / Ad Agency
Smoking Accessories
Survivalist & Tactical Gear
Telemedicine
Tobacco & Cigar
Travel & Timeshare
Vape / e-Cig / eJuice
Veterinarians
Web Design & Development
Other Mid & High Risk

Please note, this is NOT a complete list; My Payment Hero serves 50+ additional mid and high risk industries, too.

Our friendly Customer Support Team is standing by to approve
your application

Apply Now

Questions? (888) 225-9405

Retail Payments

Retail businesses can choose from a traditional credit card terminal, wireless, or point of sale system. Whatever you choose, our retail merchant accounts will have you accepting credit and debit cards faster, and for less.

Apply Now To Accept Retail Payments

Mobile Payments

Want “on the go” mid or high risk credit card processing? Our mobile pay options are for you. Choose between iPad or mobile phone credit card swipers, compatible with both iPhone and Android devices.

Apply Now To Accept Mobile Payments

Virtual Terminal Payments

Accepting payments over the phone, mail or typed in on your laptop  is easy with our virtual terminal merchant accounts.  No equipment needed. Just log in to your virtual terminal, and type in the customer’s credit card.

Apply Now To Accept Virtual Terminal Payments

Virtual Terminal Payments

Accepting payments over the phone, mail or typed in on your laptop  is easy with our virtual terminal merchant accounts.  No equipment needed. Just log in to your virtual terminal, and type in the customer’s credit card.

Apply Now To Accept eCommerce Payments

The Payments & Fintech Podcast

The latest happenings in the worlds of payments and fintech impact all kinds of businesses and industries. If you want to offer your customers the best experience around payments, or just want to learn about financial services that could help your business… PayPod: The Payments And Fintech Podcast has you covered!

Each episode, you’ll hear an interview directly with a leader from the payments and fintech industries. We talk with fintech entrepreneurs, security experts, mobile developers, eCommerce pros, and more…

From credit card processing to bitcoin… from retail POS systems to cutting edge digital payments tech… merchant accounts and mobile checkout… we cover it all!

Listen To All Episodes

The credit card processing leader for hard to place merchants, even those labeled “high risk,” My Payment Hero offers merchant accounts, ACH, payment gateway, and related payment technology.

© Copyright 2024 by My Payment Hero LLC.

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