Low Risk Payment Processing


Low Risk Payment Processing

First Class Low Risk Merchant Accounts, With Complimentary Services, No Set Up Fees And Fast Approval.

To banks, a First Class Low Risk Merchant is a company such as Walmart, Walt Disney World and Starbucks.

To The Echeck, every business that accepts payments in person is First Class!  Let The Echeck evaluate your merchant processing business no matter if you accept credit cards online or in person.

TheECheck’s low-risk accounts provide merchants with superior credit card, eCheck and ACH processing services for their eCommerce businesses.

  • eCheck: An electronic version or representation of a paper check. The account holder writes an echeck using a computer or other type of electronic device and transmits the echeck to the payee electronically.
  • ACH aka Automated Clearing House: An electronic network for financial transactions in the United States that result in money being placed in the receiver’s account at the destination financial institution.  ACH payments are simply electronic transfers from one account to another.
  • eCommerce: Commonly known as Electronic Commerce, is a type of industry where buying and selling of product or service is conducted over electronic systems such as the Internet and other computer networks.

Whether you’re a small, medium or large sized merchant, TheECheck’s unique account configuration can be tailored to reflect your processing needs. With offshore, international and onshore merchant accounts, TheECheck has the solution your company needs to accept secure payments online.

  • Offshore Merchant: Offshore means that the bank that processes your customer’s credit cards/eChecks is located in a different country than your business.
  • Onshore Merchant: Onshore means that the bank that processes your customer’s credit cards/eChecks is located in the same country that your business is located.

Low-Risk Account Features:

Credit Card, ACH And eCheck Payment Services

  • Sophisticated Online Security Measures
  • An Advanced Statistics And Reporting Suite
  • 24 Hour Customer Support
  • ACH aka Automated Clearing House: An electronic network for financial transactions in the United States that result in money being placed in the receiver’s account at the destination financial institution.  ACH payments are simply electronic transfers from one account to another.
  • eCheck: An electronic version or representation of a paper check. The account holder writes an echeck using a computer or other type of electronic device and transmits the echeck to the payee electronically.
  • Real Time Payment Processing: The act of Data Processing that appears to take place, or actually takes place, instantaneously upon data entry or receipt of a command. The processing of transactions the instant each is received by, or entered into, a computer system.
  • MOTO Terminal: MOTO: Transactions where a cardholder orders goods/services from a merchant by telephone, by mail, or by other similar means, and neither of the card nor the cardholder is present at the merchant outlet. MOTO Terminal: Feature that gives the merchant the ability to manually enter an order/transaction into the system.
  • Recurring Billing Services: A feature that lets you bill a customer’s credit card a fixed amount on a regular basis for recurring services, such as membership fees, insurance premiums, or subscriptions.
  • Affiliate Payment And Tracking Services: Affiliate: A company that is hired by your company to market, target customers, and bring leads to your business. Affiliate Tracking gives you the ability to monitor and review the affiliates working for your company.  This is a great tool to utilize because you can see what affiliate is bringing business to you, who is not, and what exactly they are doing to bring in business.
  • Offshore, Onshore And International Accounts: Offshore Merchant: Offshore means that the bank that processes your customer’s credit cards/eChecks is located in a different country than your business. Onshore means that the bank that processes your customer’s credit cards/eChecks is located in the same country that your business is located.

What kind of payments can I accept with TheECheck?

As a TheECheck Low Risk Merchant, you will be able to provide the following payment services to your customers:

  • Web Payments: Online credit card, debit card and ACH payments. ACH aka Automated Clearing House: An electronic network for financial transactions in the United States that result in money being placed in the receiver’s account at the destination financial institution.  ACH payments are simply electronic transfers from one account to another.
  • MOTO Payments: Phone, fax and mail order payments. MOTO: Payments made where a cardholder orders goods/services from a merchant by telephone, by mail, or by other similar means, and neither the card nor the cardholder is present at the merchant outlet.
  • Mobile Payments: The ability to process credit card payments from your mobile phone.

Am I A Low Risk Merchant?

Low Risk Merchants generally have a low percentage of sales credits and low chargeback rates. Factors associated with low risk merchants are usually positive and receive favorable consideration in the acceptance process. Examples of a Low Risk Merchant: restaurant, dentist, nursery, etc.

TheECheck processes for merchants across all low risk and general eCommerce industries, regardless of their location or processing volume size. We currently support low risk merchants from almost every industry, including the following and more:

  • Retail (online)
  • Hospitality and Accommodation
  • Ticketing and Events
  • Subscriptions
  • Digital Content/ Online Communications
  • Industry Associations and Directories
  • Online Games
  • Not For Profit and Charity Organizations
  • Clubs and Buying Groups

In the United States, a “Buying Group”  Group Purchasing Organization aka GPO, is an entity that is created to leverage the purchasing power of a group of businesses to obtain discounts from vendors based on the collective buying power of the GPO members.

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