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Ach processing is 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 helps to ensure 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 essential to have a bank which will 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. As the saying goes, no pain no gain.

Banks or financial institutions do classify the forms of ach merchant accounts based on the risk profile the account poses. There are mainly two types of merchant accounts. First is the normal account, where in fact the merchant can directly access the card and ensure that it's a legitimate customer, thereby the chance involved is minimal. If the concerned party conducts a small business which is not a high risk one, it is extremely easy to setup a merchant account.

The second type are called the high risk accounts which involve the accounts where it's not possible to visually testify the customer. It is recommended for a business to consult a company which specializes in placing these hard to place business accounts. These kind of accounts include adult entertainment merchants, on line tobacco merchants, replica merchants, on line gambling merchants, pre-paid calling merchants, VOIP merchants, multilevel marketing merchants, sale and debt services, ISP and hosting services, online dating sites services or simply 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 kind 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 that these high-risk merchant accounts tend to be more prone to fraudulent transactions.