Merchant Total

ACH - Automated Clearing House

Optimize Your Financial Operations with ACH Solutions

Merchant Total ACH , Credit Card Processing, eCheck, Global Billing Solutions

What We Offer

Active Risk Management

Our experts are knowledgeable in ACH processes and regulations, ensuring that you receive prompt assistance and guidance whenever you need it.

Proactive Support

Our team of experts is here to guide you through the setup process and provide ongoing support for your ACH payment needs. We work closely with you to understand your specific requirements and tailor our solutions to meet your business goals. With our user-friendly interface and intuitive features, you can easily initiate, track, and manage your ACH transactions with confidence.

Merchant Total Benefits

ACH Payment Solutions and experience secure, efficient, and cost-effective electronic payments.

Automated Clearing House



We prioritize the security of your financial transactions and employ the latest encryption and data protection measures to safeguard sensitive information. Rest assured that your funds and customer data are handled with utmost care and in compliance with industry standards and regulations.

Chargeback Prevention

Chargebacks can be a significant challenge for businesses, leading to revenue loss and operational disruptions. With our chargeback prevention measures and industry-leading tools, we help you minimize chargebacks and their associated costs. Our proactive approach, robust fraud detection systems, and expert guidance empower you to reduce chargeback ratios and maintain a healthy payment environment.

Risk Management

Why Choose Merchant Total for ACH Payment Processing?

For businesses operating in high-risk industries, our ACH payment processing presents a viable and often more cost-effective alternative to credit card processing. It enables merchants to accept payments directly from customers’ bank accounts via the automated clearing house system. This can be particularly advantageous in high-risk sectors where traditional payment processors may be unavailable or impose higher rates.

Harness the Power of ACH Payment Solutions

Take Control of Your Payments

High-Risk ACH Accepted Industries:

*some exceptions may apply
  • Aggregators
  • Airlines
  • Alcohol (CNP) and (CP)
  • Animals by Mail
  • Antiques & Collectibles
  • Assistance/Counseling/Prevention
  • Astrology & Horoscope
  • Auctions
  • Auto Warranties
  • Automotive
  • Background Search Businesses
  • Bail Bond Issuers
  • Beauty Products
  • Brokers (Insurance, Securities)
  • Business Opportunity (Biz Op)
  • Buyer Clubs
  • Cannabis Paraphernalia (CP/CNP)
  • CBD (Topical & Ingestible)
  • Central Reservation Services
  • Check Cashing Services
  • Cigars (CNP)* (CP)
  • Closed Loop Stored Value
  • Coins/Gold/Precious Medals/Collectibles/Dealers
  • Collection Agencies
  • Construction/Contractors
  • Cosmetics & Skin Care Brokers
  • Credit Cards/ID Theft Protection
  • Credit Protection/Credit Monitoring Cruise Lines
  • Credit repair/Restoration/Recovery
  • Crowdfunding
  • Crypto Funding/Virtual Currencies*
  • Crypto Mining Hardware
  • Currency Exchange
  • Cyber Locker*
  • Dating (non adult)*
  • Auto Warranties
  • Automotive
  • Debt Consolidation
  • Debt Counseling
  • Debt Repayment
  • Digital Goods
  • Digital Wallets
  • Direct Marketing/Continuity*
  • Direct Physical Goods
  • Discount Buying Clubs/Prepaid
  • Discount Services (Including Medical) Document
  • Document Preparation
  • Drop Shipping
  • E-Cigarettes (CNP)*
  • Ebooks
  • Education
  • Electronics
  • Event Tickets
  • Extended Warranty & Protection Services
  • Fax Services/Documents
  • File Sharing Services (remote)*
  • Financial Broker
  • Financial Planning
  • Financial/Business Services
  • Firearms/Weapons
  • Flea Markets
  • Free Trials
  • Furniture
  • Gadgets
  • Gambling (Online)*
  • Gaming (Skilled Based)*
  • Gentlemens Clubs
  • Gift Certificates
  • Gunbroker
  • Home Improvement
  • Hospitality
  • Hotels & Lodging
  • Buyer Clubs
  • Cannabis Paraphernalia (CP/CNP)
  • Internet Payment Service Provider
  • Investment Opportunities
  • IPTV
  • Knives
  • Large Ticket Items ($2500 & up)
  • Lead Gen
  • Leasing Opportunities/Services (Rentals)
  • Limo Services
  • Loan Modifications & Mortgage Relief
  • Loans: Consumer Auto Loans & Student Loans
  • Lottery Services*
  • Marketing
  • Massage Parlors
  • Medical
  • Medical & Dental Loan Payments
  • Memberships/Subscriptions
  • Money Service Businesses
  • Moving Companies
  • Multi Level Marketing (MLM)
  • Multi-Level Marketing
  • Negative Option Billing*
  • Nutraceuticals
  • Off Track Betting
  • Pawn Shops
  • Pay Per Click
  • Payday Loans
  • PC/Tech Support (CNP)
  • Penny Auctions (CNP)
  • Peptides
  • Pharmacies - Online (CNP)*
  • Pharmacies (CP)
  • POS
  • Prepaid Phone Cards
  • Preparation (Doc Prep)
  • Property Management
  • Coins/Gold/Precious Medals/Collectibles/Dealers
  • Collection Agencies
  • Quasi Cash Money Service Business
  • Racetrack Betting*
  • Real Estate
  • Real Estate Seminar
  • Search Engine Optimization (SEO)
  • Self Defense (Pepper Spray, Tasers)
  • Services - Astrology, Horoscope (CP/CNP)*
  • Social Media Platforms
  • Sporting Goods Equipment
  • Subscription Services
  • Tattoo & Body Piercing
  • Telehealth
  • Third Party Payment Processor (PayFac - Adult)
  • Third Party Payment Processor (PayFac - Non Adult)
  • Ticket Brokers
  • Timeshares/Land Sale Condos
  • Tobacco (CNP/CP)
  • Tour Operator
  • Trailer Parks
  • Training Educational Classes (Stocks, Crypto, Forex)
  • Travel Businesses
  • Travel Industry
  • Travel: All Agencies, Tour Operators, Travel Clubs*
  • Vapes (CP/CNP)
  • Vitamin & Supplements
  • VOIP & Telecom
  • Web Design Services
  • Web Hosting Services
  • Weight Loss Program
  • Well Drilling
  • Wines & Brewery

Let's Start Today

Connect With Us To Grow Your Business With Our Merchant Account Solutions

Simplify Credit Card Payments with Merchant Account Services

Merchant Total ACH , Credit Card Processing, eCheck, Global Billing Solutions

Stay Competitive in the Global Market with Our Advanced Payment Solutions

Experience the convenience, speed, and security of electronic payments with our comprehensive ACH solutions.

With our ACH Payment Solutions, you can say goodbye to the hassles of paper checks and time-consuming manual processes. Instead, enjoy the benefits of seamless electronic payments that save you time, effort, and money. Whether you need to collect payments from customers, pay your vendors, or manage recurring transactions, our ACH solutions are designed to simplify your payment operations.

Merchant Total

Global Payment Solutions

0 K
Merchants Joined
0 +
Year Experience
0 %
Customer Satisfaction
0 +