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

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

Banks or banking institutions do classify the kinds of ach merchant accounts in line with the risk profile the account poses. There are mainly two kinds of merchant accounts. First could be the normal account, where in actuality the merchant can directly access the card and ensure that this is a legitimate customer, thereby the risk involved is minimal. If the concerned party conducts a business which will be not really a high risk one, it is extremely an easy task to set up 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 recommended for a business to consult with a company which specializes in placing these hard to position business accounts. These types of accounts include adult entertainment merchants, online tobacco merchants, replica merchants, on line gambling merchants, pre-paid calling merchants, VOIP merchants, multilevel marketing merchants, online auctions and debt services, ISP and hosting services, online dating sites services or just any transaction that takes place with the customer physically not present. Thereby, the possibility of fraud activity is significantly greater with this kind of business which results in classifying these kind of accounts as "high risk" ones. Naturally, these risky 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 high-risk merchant accounts are more susceptible to fraudulent transactions.