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Ach processing is just a kind 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 bank accepts payments for the products for the merchant.

Particularly for a merchant offshore merchant serviceswho is|who is|who's} conducting an online offshore business, it is essential 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. While the saying goes, no pain no gain.

Banks or financial institutions do classify the kinds of ach merchant accounts on the basis of the risk profile the account poses. There are mainly two kinds of merchant accounts. First is the normal account, where the merchant can directly access the card and ensure that it's a legitimate customer, thereby the risk involved is minimal. If the concerned party conducts a company which is not really a high-risk one, it is rather simple to set up a merchant account.

The next type are called the high-risk accounts which involve the accounts where it is not possible to visually testify the client. It is strongly suggested for a business to consult 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, online gambling merchants, pre-paid calling merchants, VOIP merchants, multilevel marketing merchants, online auctions and debt services, ISP and hosting services, online dating services or simply just any transaction that takes place with the customer physically maybe not present. Thereby, the possibility of fraud activity is a lot 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 in question. It has been proved by various researches these risky merchant accounts tend to be more susceptible to fraudulent transactions.