ACH Processing

Finding the right ACH merchant account provider can be challenging. Consumer Debt Solutions represents a leading provider of ACH processing solutions. Even high risk businesses that cannot be approved by other processors may qualify for our low rates. Our accounts include the ability to batch upload transactions via a web portal using .txt files in a standard format on a daily basis. No API. ACH processing is offered to a variety of high risk verticals at rates that are calculated on a per transaction basis. There are no discount fees, no minimums, no monthly fees or set up fees. Your account is charged once per month. That’s it! Refer to our RATE SHEET for more information.

ACH Processing for high risk merchants

Most ACH processors are not accepting high risk merchants. There is a trend amongst ACH merchants to terminate existing accounts even after years of established relationships. This type of de-risking involves the termination of business relationships to avoid perceived risk instead of assessing performance. Third Party Payment Processors are pressured by underlying financial institutions to de-risk according to their interpretation of an FDIC published list of high risk industries in 2011. The list was retracted almost immediately due to its’ overreaching nature, unfair targeting and undermining effects on legitimate long established businesses; but the damage was done. Based on the retracted list of high risk industries, ACH processors are targeting existing accounts.

Our list of high risk merchants being accepted for ACH processing

We will consider ACH processing for any high risk vertical that charges monthly fees. If you wish to inquire further, please complete our contact form and provide some details in the comment section. No agents, brokers or resellers please.