Buy Paynet Secure Echeck Merchant Account | High Risk Credit Card Processing

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What are Electronic Checks?

Echeck payments and ACH merchant accounts give you the ability to debit customers’ bank accounts on a one-time or recurring basis.  At checkout, customers enter bank routing and account numbers rather than card numbers. Processing funds settle to your bank account in a similar way as card payments.

The term electronic check or echecks are often used as a generic term to describe all payments electronically debited from bank accounts.  However, there are actually 2 types of electronic checks.

The first type of echeck payments are ACH accounts, the most cost-effective method way process payments.  Transactions clear through the ACH network, the oldest and most realiable electronic funds transfer system in the US.

The second type of electronic check processing is echecks which clear through bank-to-bank image clearing.  This is payment option of choice for standard or high risk merchants that need greater flexibility for revoked transactions (chargebacks) or returns than permitted by the ACH network.

Some important elements with the account

  1. You’ll get all the account details, which include user ID and password. You will also get a Phone number under which the account will be opened.
  2. You will be given 100% access to the account.
  3. Documents will be provided also.
  4. Lastly, you will receive our dedicated customer support.
  5. After payment, your account will be emailed within 24 hrs

ACH Echeck Payments

ACH processing and echeck merchant accounts give your customers a convenient way to pay you through a bank account rather than using a card.  Electronic checks are the most popular alternative payment method in the United States.  ACH echecks are a familiar and trusted payment option for Americans.

  • Lower Rates. Electronic check processing accounts have rates significantly lower than lower than card merchant accounts.
  • Fast Approvals.  ACH payment services and echeck merchant accounts are approved fast so you start getting more orders quickly.
  • High Volume Electronic Check Processing and ACH Accounts.  Accept echeck payments. High capacity ACH processing.
  • ACH Echeck Verification. Keep returns low. Reduce processing expenses.
  • Ecommerce Merchant Accounts. Accept checks online. Adding ACH echecks to your checkout page and watch your sales grow.
  • Accept Check by Phone & Mail Orders.  Unlimited virtual terminals for rapid processing of telephone & mail orders (MOTO) are a standard feature with all echeck merchant accounts.
  • Bulk Processing. Upload large ACH echeck payment files for rapid processing of bulk orders.
  • Recurring Billing. Recurring echeck payments are more stable than card transactions.
  • Robust Cloud Reporting. Reporting in multiple formats.  Quickly access details of all transactions. Simplify management while enhancing productivity.

High Risk Credit Card Processing

Looking for a high risk credit card processing account?  You’ve come to the right place.  PaynetSecure provides secure high volume, high risk credit card processing accounts to US and international merchants quickly and efficiently.

  • World-Wide Banking Network.  Extensive network of US & international acquiring banks friendly to high risk merchants.
  • Competitive Rates.  Contact us today for a no-obligation rate comparison.  Our goal is to offer you the lowest rates with the best terms.
  • Quick Approvals.  Fast approvals mean you get more orders quicker.
  • High Volume Credit Card Processing.  High volume, high risk merchant accounts are our specialty.
  • High Risk ACH & Echeck Payments.  Boost orders from US shoppers 10-30%.
  • International Payment Methods.  More than 80 different “in-country” payment methods. Increase sales from international shoppers up to 40%.


Accept checks online. Watch your sales grow.

Telephone Orders

Quickly enter telephone orders with an easy-to-use secure virtual terminal.

Mail Orders

Virtual terminal or batch uploads simplifies mail order processing.

Accept Mobile Payments

Securely process orders from tablets & smart phones.


ACH Accounts for Echeck Payments

ACH accounts are the most economical method to accept check payments.  Millions of Americans regularly purchase goods & services with ACH echecks.

ACH merchant accounts offer you the lowest rates for electronic check processing.  And, same day ACH payments are now available which dramatically decrease the time it takes to process transactions.  More than 95% of American households have bank accounts and can pay you through an ACH merchant account.

The downside of ACH echecks is that revoked transactions (chargebacks) need to stay under 0.5% to keep an ACH merchant account in good standing.  And returns need to be less than 15%.  Many standard and high risk merchants have challenges maintaining these ratios, which are mandated by, the governing body of the ACH network.

Still, if you can comply with the ratios, ACH merchant accounts are the way to go.  Lower rates combined with faster processing times make ACH echecks great for eCommerce.

And with same day ACH, transactions clear fast.  Ecommerce merchants can now ship products within 1 day.  Much quicker than ever before.  These days, there’s no reason for eCommerce merchants not to accept checks online.  The more payment methods you offer, the more sales you make.

Shop Smart for Electronic Check Processing Services

When you shop for an echeck merchant account it’s important to understand what you are getting.

Some electronic check processors create “substitute” checks which are sent to your business bank account for clearing.  Substitute checks work well only for low risk merchants that have few returns or revoked transactions.  Substitute checks are not a good solution for many standard risk merchants.  And substitute checks never work out well for high risk merchants.

Banks flag business accounts if a substitute check is revoked because of a disputed transaction.  Plus, business banks do not like to see returned transactions, such as non-sufficient funds (NSF) appearing in a business bank account

In additional, many banks will not accept substitute checks because they are not actually signed by the buyer.  These items are marked “Return to Maker” and sent back to your business bank account as a return.  As a result, the number of returned items increase.  And you are assessed high fees for the returns, increasing your expenses.

When you process substitute checks through your business bank account and have returns & revokes your account can be put in jeopardy.  And ultimately your business operating account may be.

How Echeck Processing and ACH Accounts Increase Profits

Whether you use an echeck merchant account or an ACH account, the user experience is the same.  Instead of using a card at checkout, echeck payments are electronically debited from bank accounts.

Both ACH accounts and echeck merchant accounts help you capture sales from shoppers that do not have cards, are maxed on cards, or who simply prefer to pay through bank accounts.

ACH processing and echeck merchant accounts rescue sales that otherwise would be lost.  If a card declines and you do not have an alternative payment option to offer the customer, the sale is lost.  Electronic checks give customers another payment option through which sale can be completed.

Although cards are the most common method of payment in the US, surprisingly 30% of Americans do not have cards.  When you accept electronic checks, you give these consumers a convenient way to purchase from you.

Alternative payment methods are the fastest way to increase your profits with no additional work.  Businesses that accept electronic check payments report sales “lifts” of 10-30% simply by adding electronic checks and ACH payment processing to their checkout page.

Why Chose PaynetSecure for Echecks and ACH Accounts?

The following are reasons companies use our ACH accounts and echeck gateways for electronic check processing.

  • Lower Costs.  ACH accounts are have lower rates than card processing.  You save money by eliminating card interchange fees.
  • High Volume Processing.  Once your echeck merchant account is approved, you can process as much volume as you need. Giving customers the ability to pay by check online, results in more sales and increases your profits.
  • MOTO Electronic Check Payments. Unlimited virtual terminals are a standard feature in all echeck merchant accounts.  Easily accept telephone, email, fax, and mail orders.
  • Rapid Bulk Processing.  Upload large files of ACH echeck orders to secure servers for quick  processing.
  • Electronic Check Verification.  Verify routing, account numbers and other data fast.  Quickly accept good electronic check orders while declining bad ones.
  • Superior Customer Service.  Get answers you need when you need them.  Experienced representatives are dedicated to your complete satisfaction.
  • Recurring Billing.  ACH echecks are great for recurring payments. Protect recurring payment income.  Increase lifetime value of customers.
  • Competitive Rates.  Our goal is to save you money on payment processing while providing you top-notch technology and service.


2 reviews for Buy Paynet Secure Echeck Merchant Account | High Risk Credit Card Processing

  1. mayaaa1

    Awesome service, fast communication and he even put in the extra, I had some random questions. Very helpful man. Highly recommend. A++

  2. fossilsla3nd2

    Exceptional service! The team exceeded all expectations in terms of competence, timeliness, and expertise.

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