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Ach processing is a kind of business account between a merchant and a bank or financial institution which facilitates the ach payment processing transactions of the merchant. This contract means that the lender accepts payments for the services or products on behalf of the merchant.

Specifically for a merchant offshore merchant serviceswho is|who is|who's} conducting an online offshore business, it is crucial to 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 involved with it. While the saying goes, no pain no gain.

Banks or banking institutions do classify the types of ach merchant accounts in line with the risk profile the account poses. You will find mainly two kinds of merchant accounts. First is the normal account, where in actuality the merchant can directly access the card and ensure that it's a legitimate customer, thereby the danger involved is minimal. If the concerned party conducts a business which is not a high risk one, it is rather simple to setup a merchant account.

The 2nd type are called the high-risk accounts which involve the accounts where it is not possible to visually testify the customer. It is highly recommended for a business to consult a company which specializes in placing these hard to place business accounts. These types of accounts include adult entertainment merchants, online tobacco merchants, replica merchants, online 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 specific form of business which results in classifying these kind of accounts as "high risk" ones. Naturally, these high risk ach merchant accounts present the risk of the dreaded charge backs for the banks involved. It's been proved by various researches these high-risk merchant accounts tend to be more susceptible to fraudulent transactions.