High Risk ACH & eCheck Processing

ACH & E-check Processing For Mid & High Risk Merchants.

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The #1 Choice For High Risk ACH Processing.

Why Are We #1? Because every client gets three guarantees (whether you sell online, over the phone, or in a retail location):

  1. Instant Online Quote. When you submit your application, you’ll get an instant price quote to DocuSign. No offline paperwork, no faxes, no waiting.
  2. Industry Minimum Pricing. You will automatically receive Industry Minimum Pricing in your online quote. No more frustrating haggling with sales reps.
  3. USA-Based Customer Support. When you call or email, you’ll always speak to our friendly support team, based in Houston, TX.

Click Here to Apply Online Now. It takes about five minutes, and you’ll receive an instant price quote to DocuSign.


Questions? Call Our Team: 1 (888) 225-9405


FAQs For High Risk ACH Processing

Here are some of the most frequently asked questions about high risk ACH and e-check processing at Soar Payments.

What Industries Does SoarPay Accept As Clients?

SoarPay specializes in mid risk as well as specific high risk industries (the terms “mid risk” and “high risk” are used here, from the perspective of the merchant services industry). We are proud to serve the following industries with ACH services:

– Ad Agency / SEM / SEO
– Antiques & Collectibles
– CBD Oil & CBD Products
– Credit Repair
– Digital Streaming

– Document Preparation
– Fantasy Sports
– Firearms & Ammunition
– Health & Beauty
– Magazine Subscriptions

– Medical Billing & Coding
– Membership & Recurring Billing
– Transportation & Moving
– ​Nutraceuticals
– Pawnbrokers & Pawn Shops

– Precious Metals
– Seminars & Coaching
– Travel & Timeshare
– Vape / e-Cig / eJuice
– Web Design
– Other Mid & High Risk

Please note, this is NOT a complete list; SoarPay serves 50+ additional mid and high risk industries, too.


What Is ACH?

ACH (Automated Clearing House) is a network established by US banks that enables efficient transactions between checking and savings accounts held at those banks. A high risk ACH account is simply an account for ACH processing, for a business that is categorized as high risk.


What Are The Advantages Of ACH Processing?

Businesses use ACH payments to automatically debit money from their customers’ checking or savings accounts, and as a result ACH is popular with businesses that accept recurring or subscription based payments. Additionally, because ACH payments do not use the credit card processing system, they are much cheaper for businesses to accept, and consequently are attractive to merchants who want to save on credit card processing fees.


What Are The Benefits Of ACH Processing For A High Risk Merchant?

For high risk merchants, obtaining a high risk ACH account is often attractive for a few reasons. ACH processing implies (1) lower cost: because ACH payments are intra-bank, as opposed to using the credit card processing system, businesses with a high risk ACH account avoid interchange rates and typically pay much lower rates for accepting funds; (2) fewer transaction restrictions: high risk merchants often have a number of restrictions placed on their credit card merchant account. These include monthly processing limits and transaction size limits, among others. Typically a high risk ACH account has fewer restrictions, enabling the business owner to run their business as they see fit; 3) higher likelihood of approval: for many high risk businesses, obtaining a merchant account is very difficult, whereas they can far more often be approved for a high risk ACH or eCheck merchant account with little trouble. Once an ACH account is in place for a few months, merchants can often use their ACH processing track record to obtain a merchant account for credit card transactions.


Have another question? Click here to read our full FAQ.

Mid Risk? High Risk? We Want Your ACH Business!

Tired of filling out lengthy applications, only to be instantly rejected? Tired of calling a customer support team, only to be put on hold for 30 minutes or longer? Soar Payments specializes in serving the mid and high risk market, and offers a variety of payment solutions, including e-check and ACH processing, to meet your needs. Best part: Our friendly, Texas-based support team will make the application and setup process easy for you!
Click Here to Apply Online Now.

How Does The Application Process Work?

Step 1. Apply Online

Complete the online application process (it takes 5 minutes). Click here to begin.

Step 2. Get An Instant Quote

You’ll instantly receive a quote with Industry Minimum Pricing to DocuSign.

Step 3. Start Accepting Payments

Our Houston based Customer Support Team will help you get set up, fast and easily.

Our friendly Customer Support Team is standing by to approve your application:

Apply Now

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