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Our leadership team members have more than 30 years of experience in payment processing for high-risk merchants.
We have a network of over 25 banks available to our clients, unlocking unparalleled flexibility, improved security, and several payment options for our valued merchants.
Never worry about unnecessary declines or low transaction approval rates again, and offer products and services to your customers with confidence.
Paying via eCheck is almost as simple as paying via a credit card for your clients or customers, despite costing less and presenting less risk for your side of the transaction.
The chargeback process for bank payments is more complex, offers a shorter window for disputes, and requires more work for the customer than credit card transactions do, lowering the rate of chargebacks significantly.
More difficult chargeback processes and shorter dispute windows make payment more final, providing more security and a higher level of confidence for high-risk merchants.
For big-ticket merchants, credit card risk and fees can both become cumbersome, but eCheck payment can offer lower fees and risk while providing a much simpler and faster process than wire transfers.
While popular processors like Stripe, PayPal, and Shopify Payments boast quick 5-minute approvals, problems arise unexpectedly at scale. Their machine learning can mistakenly flag growing businesses for fraud, freezing accounts, or holding funds without quick remedies.
We invest the time to underwrite merchants upfront, considering their specific industry, transaction volume, average ticket size, and growth trajectory. By committing to this process from the outset, we ensure our clients can rest easy knowing no unexpected disruptions will come later on.
We assign each merchant to a committed account manager, ensuring that merchants have a reliable point of contact at all times. This guarantees assistance whenever needed, providing a seamless experience while managing your account.
Several factors can trigger a “high-risk” designation. These include poor credit, high chargeback rates, high refund rates, free trial offers, and subscription billing. Some industries, though, are considered high-risk due to political or regulatory issues regarding their industry, like the CBD industry.
At SeamlessChex, we specialize in high-risk merchant accounts. Our process is built to comprehensively understand your business and optimize your account for growth. This allows our clients in high-risk industries to navigate payment processing challenges as efficiently and effectively as possible.
High Risk Factors
If you still need to determine whether your business is high-risk, we have some examples of industries that we’ve worked with in the past that were underserved by traditional payment processors. We offer specialized high-risk processing features that help companies within each of these industries (and more) grow with confidence.
We’ve covered eCheck and ACH somewhat interchangeably here, but it is important for our clients to know that we offer both eCheck and high-risk ACH processing. Both payment methods involve drawing cash directly from the bank, but each works a bit differently in regard to their time to clear and maximum transaction amounts. For any questions regarding high-risk eCheck processing or high-risk ACH processing, contact us today!
Join SeamlessChex and turn high-risk into a competitive advantage. Your business deserves a high-risk eCheck processing partner that understands the intricacies of your industry.
Take our quiz to figure out exactly what payment options are needed to grow your unique business.
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