First Card Payments > Checks  > High-Risk eCheck/ACH vs. Credit Card Processing

High-Risk eCheck/ACH vs. Credit Card Processing

This article was published on November 5, 2020 and last updated on July 10, 2023.

Electronic payments have revolutionized the way consumers purchase products and services; there’s no denying that. But just because something is widely accepted doesn’t mean it’s better. So it’s a matter of high-risk eCheck/ACH vs. credit card processing – which is better?

Using a credit card online for purchases, payments, and funds transfers is a lot easier than writing a check. Merchants and consumers worldwide prefer to use these payment methods today as they are simple, fast, and convenient. In fact, many would argue that businesses must accept credit cards online.

“Roughly three-quarters of U.S. adults (76%) say they ever buy things online using a smartphone, while a somewhat smaller share (69%) say they ever make purchases via desktop or laptop computers.” (Pew Research)

“The global mobile payment market was worth $53 billion in 2022, and 43.2% of US smartphone owners use mobile payments.” (

But as a high-risk merchant account, you might consider getting a high-risk Automated Clearing House, or ACH payment processing solution. 

So which is better between eCheck/ACH vs. credit card processing? We have to consider both options fully and understand the advantages of each in order to help you choose the best payment method for your business.


Pros of High-Risk eCheck/ACH Processing

There are numerous advantages of accepting checks and ACH for your business. While the idea of a check seems a little outdated, eChecks bring them into the 21st century and allow those who prefer this payment method another option besides a credit card.


  • checklisteCheck/ACH accounts typically have a high approval rate regardless of the type of service you offer or what products you are selling, as long as it is legal.
  • eChecks do not require upfront application fees and set-up fees are less expensive than credit card processing set-up fees, which helps reduce costs, a major advantage for small businesses or start-up organizations. Instead, that money you save by opting for eCheck payments could go towards other operating costs.
  • The monthly processing fee is very minimal.
  • This payment method is an option for consumers who are not comfortable giving their credit card information or those who do not have one.
  • eCheck payment options allow your business to expand your target market and reach those who are accustomed to this payment method.


Pros of Credit Card Processing Solutions

Considering that credit cards are becoming the main method of payment worldwide, accepting credit card transactions can help boost sales and garner positive results for your business.


  • Credit card payments are faster and easier than eChecks.
  • Since most people use credit cards anywhere in the world, this will help expand your customer base, attracting customers, which will potentially convert into sales.
  • Accepting credit card payments also eliminates the risk of having to deal with a bounced check, requiring you to track down customers to pay for the purchases or services rendered.
  • Accepting credit card payments also gives your consumers, followers, and customers the confidence that they are dealing with a legitimate business. This builds trust and satisfaction with your customers, who then become loyal, returning customers.
  • Credit card payments are processed quickly, thus, improving your cash flow.
  • Accepting credit card payments will keep your business on par with your competitors. A business with no credit card payment option runs the risk of losing customers who do not have other means of making their payments.


Both eCheck/ACH and credit card payments offer specific benefits. Choosing between the two depends on your business needs.

Instead of thinking of eCheck/ACH vs. credit card processing, consider both! Ideally, the best option is to incorporate both eCheck/ACH and credit card payment options if you want to reach a wider market and serve more customers.

As a reliable payment processing company, our team offers their expertise in order to guide you towards the best decision for the future of your business.

( President )

My interest in the financial world started to blossom in High School. However, my parents tell me I use to watch financial programs before the age of 5. So, I guess I was born with the Financial bug. In high school I was accepted into their Finance Academy, which I attended for 4 years. In addition to graduating high school, I accumulated a substantial amount of financial knowledge few people experience at such a young age. During which time, I won the State of Florida Stock Market Contest and I also finished in the top 100 in the CNBC stock market contest which had over 1 million participants throughout the country (including some of Wall Street’s elites) with a take home prize of $1 million. These achievements allowed me to be invited to many shows and events with top people in their fields of business from around the world.

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