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Bypass ACH Return Thresholds
Although direct ACH payments are quick and convenient, they also carry a 15% return threshold restriction that often penalizes high-risk merchant accounts that experience higher than average returns (after all, that’s what makes them high-risk in the first place!).
Electronic checks utilize the ACH network, but because account information remains with the banks involved, the ACH assumes no risk for returns. That means high-risk merchants can utilize eCheck payments without having to worry about losing their payment processing capabilities due to a few unexpected returns.