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Ach processing is a type of business account between a merchant and a bank or standard bank which facilitates the ach payment processing transactions of the merchant. This contract ensures that the lender accepts payments for the products or services with respect to the merchant.

Especially for a merchant offshore merchant serviceswho is|who is|who's} conducting an on line offshore business, it is crucial to really have a bank that'll process his ach transactions.|which will|that'll} process his ach transactions. All organizations do have a certain element of risk factor engrossed. Because the saying goes, no pain no gain.

Banks or financial institutions do classify the types of ach merchant accounts in line with the risk profile the account poses. There are mainly two forms of merchant accounts. First is the normal account, where in fact the merchant can directly access the card and ensure that it is a legitimate customer, thereby the risk involved is minimal. If the concerned party conducts a small business which is not just a risky one, it is rather an easy task to set up a merchant account.

The second type are called the high risk accounts which involve the accounts where it is not possible to visually testify the consumer. It is highly recommended for a business to consult with a company which focuses primarily on placing these hard to place business accounts. These types of accounts include adult entertainment merchants, on line tobacco merchants, replica merchants, on the web gambling merchants, pre-paid calling merchants, VOIP merchants, multilevel marketing merchants, sale and debt services, ISP and hosting services, internet dating services or simply any transaction that takes place with the customer physically perhaps not present. Thereby, the possibility of fraud activity is much greater with this form of business which results in classifying these types of accounts as "high risk" ones. Naturally, these high risk ach merchant accounts present the danger of the dreaded charge backs for the banks under consideration. It has been proved by various researches that these risky merchant accounts are more susceptible to fraudulent transactions.