- ACH payments usually cost less than credit cards, so high-risk businesses can save money and keep more of what they earn.
- ACH payments have different rules than credit cards, so there are fewer chargebacks and less chance of fraud. This helps high-risk businesses get paid more safely and reliably.
- ACH payments use strong security and follow strict rules set by the Federal Reserve, making it a safe and trustworthy way for high-risk businesses to handle payments.
- ACH payments happen on a reliable schedule, helping businesses keep their cash flow steady.
Why ACH is Ideal for High-Risk Businesses
Here’s why ACH stands out as the best payment solution for high-risk businesses:
LeisurePay’s High-Risk ACH Solutions
Tired of getting blocked by traditional processors? LeisurePay provides secure and dependable ACH solutions tailored for high-risk businesses.
Reliable ACH for High-Risk Industries
LeisurePay understands that high-risk businesses face challenges with payments. That’s why we make ACH solutions for businesses in unique industries, including cannabis, firearms, crypto, and more. If you’ve been turned down before or want a more reliable choice, we offer easy approval, steady payments, and flexible plans that grow with your business.
An Approval Process Tailored to Your Risk Profile
LeisurePay doesn’t treat every business the same. We look at what you do, what you sell, and the volume of payments you process to create an approval process that fits you. Our team works fast, often within 24 to 48 hours, and understands the real challenges high-risk businesses face, so you can get started without long delays.
Compliant, Secure Processing
LeisurePay’s ACH system helps high-risk businesses stay safe and follow the rules. We use strong encryption, protect against fraud, and provide accessible reports. Our platform follows NACHA guidelines and keeps your business and customers secure at every step.
Chargeback and Return Management
Payment returns and disputes are common for high-risk businesses, but LeisurePay helps you stay on top of them. Our system provides real-time alerts, reporting tools to spot trends, and options to reduce chargebacks. Plus, our team is here to guide you, helping you manage issues before they become bigger problems.
Who We Serve
If mainstream processors have turned you away or dropped your account, LeisurePay is here with ACH solutions to keep your payments running smoothly.
CBD and Hemp Retailers
If you sell CBD oils, edibles, or hemp products, LeisurePay gives you a safe and reliable way to accept payments. We help you stay compliant as rules change.
Kratom Vendors
Collecting payment in the Kratom industry can be tough, but LeisurePay makes it easier. We offer reliable ACH solutions so kratom vendors can process payments without worrying about account shutdowns.
Cannabis Dispensaries
Traditional payment processors may not be an option in the cannabis industry, but LeisurePay is. Whether you’re a dispensary or a larger operation, we offer compliant ACH solutions backed by banks, so you can accept payments securely and confidently.
Firearms, Guns, and Ammo
LeisurePay provides secure ACH solutions for firearms businesses. We make sure your transactions follow all legal and financial rules, so you can run your business worry-free.
Crypto Businesses
Crypto companies face tough compliance rules, but LeisurePay makes it easy. We provide ACH solutions that simplify transactions for digital asset firms, with clear and smooth on- and off-ramping.
Merchants Shut Down by Square
If Square or other platforms have shut down your account, don’t worry. LeisurePay offers custom ACH solutions to help you consistently process payments.
Platform Features & Integrations
Need an easier way to handle payments? LeisurePay’s platform has helpful features and easy integrations made for high-risk businesses like yours.
Payment Gateway & API Access
LeisurePay makes it easy to connect your website, POS system, or software using secure gateway access and easy-to-use APIs. Our tools are simple to set up and built to grow with your business.
Check 21 Options
LeisurePay also offers Check 21, a safe, digital way to process checks. This gives high-risk businesses another easy and reliable way to get paid.
Dashboard & Reporting
LeisurePay’s dashboard is easy to use and helps you stay in control. You can track payments, get return alerts, and download reports, all in one place, with less effort.
How to Get Started
Want to get started with LeisurePay’s high-risk ACH processing? It’s fast and easy, just follow these simple steps.
Apply Online or Schedule a Call
Getting started is easy! You can either fill out our quick online application or book a call with a LeisurePay payment expert to chat about your needs and find the best solution for you.
Submit Documentation for Underwriting
Once we understand your business, send us a few basic documents, like your bank information, processing history, and product information. This helps us get the underwriting process started right away.
Get Approved & Start Processing ACH Payments
Once you’re approved, usually within 24 to 48 hours, we’ll give you login access, help you with setup, and get your ACH payments up and running.
Why Choose LeisurePay for High-Risk ACH Processing
Choosing the right partner makes all the difference; here’s why businesses trust LeisurePay’s high-risk merchant account provider for secure, fast, and flexible high-risk ACH processing.
No Hidden Fees, Transparent Terms
At LeisurePay, what you see is what you get: clear pricing, easy-to-understand terms, and absolutely no hidden fees.
Rapid Approval
At LeisurePay, we understand that your time is important. Thanks to our streamlined process and strong banking connections, most high-risk businesses get approved and start processing in just two business days.
Payment Processing Support
From setup to growing your business, our support team is here to help. We’re available to assist with setup, maintenance, and compliance so your payments continue to be processed smoothly.
Frequently Asked Questions
A business is considered high-risk if it’s in a tightly regulated industry, like cannabis, CBD, or firearms, or if it has a high risk of chargebacks or extra attention from banks and regulators.
ACH payments are cheaper than card processing, have fewer chargebacks, and give high-risk businesses a safer, more stable way to accept payments, especially in highly regulated industries.
Yes, you can. LeisurePay offers ACH payment solutions for cannabis, kratom, and other high-risk businesses, as long as you’re approved.
ACH is a direct bank transfer, while eCheck works like a digital paper check. LeisurePay supports both, so you can use what works best for your business.
ACH payments have fewer chargebacks than credit cards, but returns can still happen if there isn’t enough money, permission is taken back, or accounts are closed. LeisurePay gives you tools to handle these issues and keep payments running smoothly.
To reduce ACH returns, use clear billing info, get proper customer permission, and communicate clearly. LeisurePay helps you set risk limits and alerts you to returns in real time.
High-risk ACH processing has extra safeguards. It includes custom approval, stricter rules, higher reserves, and better fraud protection to keep your payments safe and running smoothly.