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Ach processing is a form of business account between a merchant and a bank or financial institution 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 online offshore business, it is essential to have a bank which will process his ach transactions.|which will|that'll} process his ach transactions. All businesses do have a certain element of risk factor involved with it. While the saying goes, no pain no gain.

Banks or financial institutions do classify the forms of ach merchant accounts on the basis of the risk profile the account poses. You will find mainly two forms of merchant accounts. First may be the normal account, where 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 company which is not a risky one, it is rather an easy task to setup a merchant account.

The second type are called the risky accounts which involve the accounts where it isn't possible to visually testify the client. It is strongly suggested for a business to consult a company which focuses primarily on placing these hard to place business accounts. These types of accounts include adult entertainment merchants, on the web 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 just any transaction that takes place with the customer physically perhaps not present. Thereby, the chance of fraud activity is much greater with this specific type of business which results in classifying these kinds of accounts as "high risk" ones. Naturally, these risky ach merchant accounts present the danger of the dreaded charge backs for the banks involved. It has been proved by various researches these high-risk merchant accounts are more susceptible to fraudulent transactions.