Same Day ACH Processing

ACH Processing Starts @ $ 0.25

QuadraPay offers the same Day ACH processing to US-based merchants. Pay substantially lower fees than card processing. The built-in ACH verification system automatically checks for bank account validation. Accept one-time and recurring payments. Advanced merchant interface for robust ACH transaction report generation.

Next Business Day ACH | Round The Clock ACH

High Uptime

Powerful dependable technology infrastructure delivers high-quality ACH merchant processing technology with high uptime.
Full feature API, merchant interface, batch transaction feature, one-time and subscription payments.

Round The Clock

A good ACH solution is vital for the growth of merchants. Businesses can accept ACH orders any time over phone, web, and virtual terminal.
Qualifying merchants get settlements as quickly as the next business day.

Secure Payments

Data security is crucial, and we understand that. Our ACH processing solution utilizes high-grade encryption technology to secure data.
Built-in rules-based risk filtering reduces the risk of fake and fraudulent transactions.

Realtime Validation

The product utilizes industry-renowned bank account validation technology. Transaction information is checked for integrity.
Merchants can validate account numbers, routing numbers, and funds availability in real-time.

The Only ACH Solution You Will Ever Need.

Fast ACH Payment Processing

Digital payments are the need of the hour of any business. ACH has evolved as well. Now ACH is 24 hours in most situations unless the transaction goes on hold or delay is set as per the agreement between the ACH sender and merchant.

Faster ACH Payments Mean Faster Settlements

You get access to personalized support and assistance whenever needed. A fully usable ACH API helps you easily integrate the solution on your website.

Qualifying merchants can get the next business day settlement. Subject to the underwriting review.

Apply Today For Omni Channel ACH Processing Account.

ACH Merchant Services FAQ

A high-risk ACH merchant account is a type of financial account that allows a business to accept payments via the Automated Clearing House (ACH) network. This network is used for electronic transactions such as direct deposit, online payments, and bill pay.

High-risk ACH merchant accounts are typically assigned to businesses that have a higher likelihood of chargebacks, fraud, or disputes due to the nature of their products or services. These businesses may include online gambling, adult entertainment, or credit repair services.

To get a high-risk ACH merchant account for your business, you will need to apply through a merchant account provider. It is important to research and compare different providers to find one that meets your specific needs and has experience working with high-risk businesses.

During the application process, you may be required to provide information about your business, including your business model, target market, and financial history. You may also need to provide documentation such as a business license, proof of identity, and bank statements.

Once approved, you will be provided with a merchant account and may need to set up a payment gateway to accept ACH payments. It is important to be aware that high-risk merchant accounts may come with higher fees and may require additional security measures to protect against fraud and chargebacks.

 

Using ACH payments in businesses can easily add benefits by opening up payment methods beyond debit and credit cards. With ACH payments, you can offer your customers card-free payments without extra charges. Also, Ach allows customers to pay for their purchases directly out of their bank accounts. Listed below two main reasons that’s why we should use Ach Payment processing to transfer or receive money :

  • Automatic payments: If you choose recurring payments, the receiver can pull funds from the sender’s account whenever the bill is due. According to the agreement, these electronic payments can be made weekly, monthly or quarterly. The receiver initiates the transaction, and the sender doesn’t have to take any action, which helps them pay bills on time even if they are busy or have forgotten it.
  • On-demand ACH payments: You can also establish an agreement between the sender and the receiver without authorizing automatic payments. It allows merchants to transfer payment funds only when needed. Merchants that offer services and bill the customer later based on consumption generally prefer this mode. On-demand payments can reduce the risk of fraud.

Some primary factors generally make a business be considered under a high-risk business category. They are as follows:

  1. Bad credit score.
  2. Incomplete website.
  3. Copied content on the website.
  4. Meager traffic on the website.
  5. Large ticket size and item.
  6. Negative reviews about the merchant.
  7. High chargeback-to-sales ratio
  8. Recurring billing
  9. Restricted Industry As Per Card Schemes.

All acquiring banks do not provide high-risk ACH merchant account solutions because of the risk associated with a business. They believe in working with a merchant who has low-risk businesses. Many business owners come under low-risk business, but still, they are not getting approved by card processing companies.

Many merchants do not want their business to be considered high-risk ACH merchant accounts. Still, for several reasons, their business is classified into this category. Some reasons are industry type, large transaction size, future delivery services, spiked monthly volume, past processing history of a business, etc.

The full form of ACH is Automated Clearing House. ACH payment is a form of electronic payment. In ACH, the funds are transferred from one bank account to another, i.e., from the payer to the payee’s account. Electronic payment always provides benefits to both customers and merchants. ACH payment processing is not so expensive, easily automated, and can be kept on record. ACH can be used for recurring payments also.

The payer must know the payee’s bank account details for ACH processing.

The details include the name of the bank, account type, routing number, and account number. Merchants can collect transaction information can be obtained via phone calls or mail. After this step, the payer will enter the details in the virtual terminal in the processing system. The ACH processors will process all transactions in batches.

A high-risk ACH merchant account is for those merchants whose business transaction is processed via the ACH network. We are delighted to announce that QuadraPay offers all these services to high-risk business merchants.

To set up an ACH merchant account, the following documents are mandatory

  • Company Registration Documents
  • Bank statements.
  • Utility bill
  • National ID
  • Void Check

Yes. QuadraPay Now offers Woocommerce ACH Processing For WordPress Driven Sites.

Most eCommerce sites that use WooCommerce with WordPress require a ready-to-use plugin that allows echeck and ACH transactions. Quadrapay is proud to announce ready-to-use ACH plugins for WooCommerce sites. The integration process is straightforward. The merchant must upload the plugin to the site and enter the credentials to accept ACH transactions. This solution also comes with a virtual terminal.

The airline industry has started adopting alternative modes of payment. ACH solutions can be used effectively by large airlines and small chartered plane operators.

Airlines can use ACH as a preferred mode for settlements and disbursements.

ACH can be used effectively by bankruptcy lawyers across many states of the US.

A high-risk ACH merchant account is a type of financial account that allows a business to accept payments via the Automated Clearing House (ACH) network. This network is used for electronic transactions such as direct deposit, online payments, and bill pay.

High-risk ACH merchant accounts are typically assigned to businesses that have a higher likelihood of chargebacks, fraud, or disputes due to the nature of their products or services. These businesses may include online gambling, adult entertainment, or credit repair services.

To get a high-risk ACH merchant account for your business, you will need to apply through a merchant account provider. It is important to research and compare different providers to find one that meets your specific needs and has experience working with high-risk businesses.

During the application process, you may be required to provide information about your business, including your business model, target market, and financial history. You may also need to provide documentation such as a business license, proof of identity, and bank statements.

Once approved, you will be provided with a merchant account and may need to set up a payment gateway to accept ACH payments. It is important to be aware that high-risk merchant accounts may come with higher fees and may require additional security measures to protect against fraud and chargebacks.

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