eCheck and ACH Payment Processing for High Risk Businesses

What is eCheck and ACH

eCheck uses the ACH network to debit a customer bank account and deposit funds to your business bank account. It works online and by invoice. It does not use a card. For many high risk brands this is the most stable way to accept payments.

• ACH is the network that moves funds between banks.
• eCheck is an ACH debit authorized by your customer.
• Gateway encrypts data and submits to your processor.

How payments flow

• Your checkout or invoice collects name, routing, and account.
• Gateway encrypts and sends the file to the ACH processor.
• Bank verifies and schedules the debit.
• Funds settle to your account in one to three business days.

Why high risk brands use eCheck

• Lower cost typical total cost is 0.5% to 1.5% plus a small fee.
• Fewer freezes banks see ACH as lower risk than cards.
• Works when cards do not use eCheck if your MID is limited.
• B2B friendly larger tickets and repeat billing are common.

Fees and settlement

• Processing 0.5% to 1.5% plus $0.25 per item is common.
• Returns NSF and unauthorized returns can occur. Keep clear policies.
• Reserve some high risk programs hold 5% to 10% to protect the bank.
• Funding one to three business days based on risk and volume.

How to get approved

• Articles of Organization and EIN letter.
• Voided check or bank letter.
• Last three months of processing statements if available.
• Website with product pages, terms, shipping, and refund policy.

High Wire Payments places eCheck for CBD, hemp, kratom, vape, and nutraceutical brands with banks that understand your model.

FAQ

Is eCheck the same as ACH
Yes. eCheck is an ACH debit authorized by the customer.

Can I use it with Shopify or WooCommerce
Yes. Use a gateway like NMI or FluidPay and enable ACH.

What if a payment bounces
You get a return code and the debit reverses. Screen orders and use clear billing terms.

Quick application