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Credit Cards ACH PCI‑DSS NACHA

Accept Cards & ACH with Confidence

Lightning‑fast authorization, robust fraud controls, and a settlement flow built to grow with you.

Live processing snapshot
Auth rate
98.3%
Chargeback
0.28%
ACH returns
0.72%
Today’s volume
Card + ACH
$87,420.55
Tokenization
3‑D Secure
Network tokens
Account verification

Why Credit Cards & ACH with MerchantTotal

Fast & Secure Transactions

High auth rates with adaptive fraud, velocity checks, and ACH return monitoring.

Easy Integration

Drop‑in checkout, network tokens, vaulted cards, and ACH via account linking or micro‑deposits.

Transparent Pricing

Simple, predictable rates with no hidden fees or surprise markups.

Compliance Built‑In

PCI‑DSS, NACHA rules, and data retention best practices handled with our partners.

Flexible Settlement

Fund to bank daily or on a custom cadence. Granular limits by method and MCC.

Card Brands & ACH

Visa, Mastercard, Amex, Discover, plus ACH with account verification and return handling.

How it works

1
Get started

Contact us by completing our form and sharing your processing requirements.

2
Apply

Submit your application for review to match with the right banking partner.

3
Integrate

Install our checkout snippet or connect through API, plugin, or hosted page.

4
Go Live

Start accepting card and ACH payments with optimized auth and returns handling.

5
Settle payments

Funds are automatically settled in your preferred schedule and account.

FAQs

Do you support Level II/III data?

Yes, Level II/III interchange optimization is available for eligible B2B transactions.

How do you verify ACH accounts?

Via instant account linking or micro‑deposits, with configurable risk thresholds.

What fraud tools are included?

Device fingerprinting, velocity rules, address verification, 3‑D Secure, and risk scoring.

What’s settlement timing?

Standard T+2 for cards, same/next‑day options for ACH depending on underwriting.

Get started with Credit Card & ACH

Tell us about your products and expected volumes; we'll match you to the right acquiring bank.

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