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Ach processing is really a type 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.

Particularly for a merchant offshore merchant serviceswho is|who is|who's} conducting an online offshore business, it is crucial to have a bank that may process his ach transactions.|which will|that'll} process his ach transactions. All organizations do have a certain part of risk factor involved with it. Since the saying goes, no pain no gain.

Banks or banking institutions do classify the types of ach merchant accounts on the basis of the risk profile the account poses. There are mainly two types of merchant accounts. First could be 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 business which is not just a high-risk one, it is rather simple to put 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's highly recommended for a business to consult with 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, online dating sites services or just any transaction that takes place with the customer physically not present. Thereby, the possibility of fraud activity is a lot greater with this particular type 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 under consideration. It's been proved by various researches that these high-risk merchant accounts are far more prone to fraudulent transactions.