Fast & Cheap High-Risk ACH Processing

Why choose SecureGlobalPay as your high-risk ACH merchant account provider

SAME-DAY ACH & NEXT-DAY FUNDING

Get your money faster with same-day ACH options and reliable next-day funding — helping you maintain steady cash flow and keep your business moving.

LOW TRANSACTION FEES

Save on every payment. Our ACH processing fees are a fraction of credit card costs, making high-risk processing more affordable and sustainable.

SIMPLIFIED SUBSCRIPTIONS & INTEGRATIONS

Perfect for subscription and recurring billing, with an open API and hundreds of integrations to connect with software you’re already using.

WORLD-CLASS SUPPORT

Our experienced high-risk specialists are here when you need them, providing proactive guidance and dedicated support via phone or email.

Here’s what our clients say

Real feedback from retail and high-risk merchants we help accept and process payments.

“These guys are great! I've been in the processing industry for 15 years, and I've never worked with a team more dedicated to setting their clients up for success. They do all the little things necessary to help their merchants, which many other processors let fall through the cracks. ”

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Josh Green

Charge Options
“We love this company! Our funding is next day, including AMX, which is hard to obtain. The credit card machines are very sleek and are customized with our logo. We have a high-end business and constantly get compliments from our clients. The machines are easy to use, and customer service is top-notch! Can't recommend SecureGlobalPay enough. ”

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Cathy Street

Lake Baldwin Dental
“SecureGlobalPay processed my application in just a few days and put my company's credit card processing online; the service was extremely fast. I will recommend your company to anyone looking for payment processing services, keep up the good work. ”

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Rod Kershaw

Las Vegas Vacation Home Solutions
“Top notch broker. Worked my high risk application the fastest I've ever had one worked. Got a placement in just over a week. Smooth, professional operation. ”

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CR W

Firearms industry
“Our business grew 10X in a month and our merchant provider was holding back all of our funds. Roland and his team at SecureGlobalPay got us up and running again, saved us money, and began working with us to improve our invoicing and billing processes. If you have a fast-growing business or a high-risk account, this team stands head and shoulders above the rest (and I've worked with many others). A+++ rating. ”

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Greg B.

The Neck Gator
“I have been working with Secure Global for the past six years. They saved me thousands of dollars in our processing fees! They are a pleasure to work with – extremely knowledgeable, courteous, and very helpful. They definitely go the extra mile for their customers! ”

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Lisa M.

Trigger Agency, LLC

FAQs about high-risk ACH payment processing

What is the difference between ACH and eCheck processing?

Both ACH and eCheck use the same Automated Clearing House (ACH) network to move money between bank accounts. The difference is mostly in how the transaction is presented. ACH refers broadly to any transfer over the ACH network, such as direct deposits, recurring payments, or business-to-business transfers.

eCheck is a specific type of ACH debit that works like a digital version of a paper check. The customer provides their bank account and routing number, and funds are pulled directly from their account. In short, all eChecks are ACH payments, but not all ACH payments are eChecks.

What is the difference between Traditional (Unverified) ACH and Verified ACH?

Traditional (Unverified) ACH processing allows transactions to be submitted with just a customer’s account and routing numbers, but without confirming that the account is valid or belongs to the customer. Verified ACH adds an extra step: bank account verification. This can be done through instant verification services, micro-deposits, or other tools that confirm ownership before debits occur.

What is high-risk ACH payment processing?

High-risk ACH payment processing is the use of the ACH network by businesses that fall into industries considered high-risk due to higher rates of returns, chargebacks, or regulatory scrutiny. Examples include nutraceuticals, subscription-based offers, payday loans, CBD, and other verticals that traditional banks often avoid.

Because of this risk, high-risk ACH processing typically comes with stricter underwriting, higher monitoring, and additional protections like account verification, reserves, and return tracking. The benefit is that these businesses can still access the low-cost, reliable ACH network for customer payments, even when traditional processors won’t approve them.

What are the advantages of ACH processing?

ACH processing offers a number of benefits for businesses compared to credit card or wire payments. It’s much more cost-effective, with fees often just a fraction of card processing costs. It also supports recurring and subscription billing, making it ideal for memberships, auto-ship programs, and regular invoicing.

In addition, ACH payments are secure, reliable, and widely accepted across U.S. banks. They reduce the risk of card chargebacks, allow for predictable settlement schedules, and help improve cash flow for businesses of all sizes.

What are the typical fees for ACH payment processing?

ACH payments are generally much cheaper than credit card transactions. Standard ACH fees usually range from $0.10 to $0.50 per transaction, or sometimes a small percentage (about 0.5%–1%) of the transaction amount. Some providers also charge monthly fees for access to the network or per-return fees when payments are rejected.

For high-risk businesses, costs can be higher because of added compliance, monitoring, and reserve requirements. In these cases, fees may range from $0.25 to $1.50 per transaction, sometimes with an added percentage-based fee and rolling reserve. Even with these higher costs, ACH typically remains far more affordable than credit card processing.

How long does it take to get paid?

With standard ACH processing, payments typically settle in 1–2 business days. Many providers also offer Same-day ACH, though availability and transaction limits may apply.

For high-risk merchants, processors often hold funds a little longer — usually 3–7 business days — to protect against returns and fraud. While funding may not be instant, ACH still provides reliable, predictable deposit schedules.

How do high-volume businesses manage ACH return risk?

SecurGlobalPay customers use built-in account verification tools to confirm account ownership before processing payments. They also apply velocity limits and fraud filters to stop suspicious activity, and use real-time monitoring to track return codes and catch issues early.

You can also spread transactions over multiple batches and implement return alerts and automated retry logic.

Together, these practices help you stay within NACHA’s strict return thresholds while protecting your cash flow.

Low-cost ACH Processing for High-risk Businesses

Enable high-risk ACH processing in 4 steps

Get access to an incredibly powerful ACH payment gateway

ONE GATEWAY, MULTIPLE ACCOUNTS

FULLY SECURE ACH PROCESSING

SIMPLE AND FLEXIBLE REPORTING

Connect with 200+ different ecommerce platforms, CRMs, billing systems, and chargeback tools

Why choose SecureGlobalPay as your high-risk ACH merchant account provider

SAME-DAY ACH & NEXT-DAY FUNDING

LOW TRANSACTION FEES

SIMPLIFIED SUBSCRIPTIONS & INTEGRATIONS

WORLD-CLASS SUPPORT

Here’s what our clients say

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Josh Green

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Cathy Street

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Rod Kershaw

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CR W

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Greg B.

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Lisa M.

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FAQs about high-risk ACH payment processing