ACH & eCheck
Our proprietary technology is the best in the industry
eCheck Solutions
We bring our merchants a range of solutions suitable for all risk categories from traditional & low risk to emerging & high risk. We specialize in cutting edge high risk solutions even for international merchants. Electronic check and ACH processing provide customers with another convenient way to pay. We offer an eCheck program that is a unique paperless checking solution that allows customers to make payments for purchases via their bank account rather than with a credit card.
Whether you run a high-risk or a low-risk business, accepting eCheck is a convenient and quick way to start accepting payments to get your business going.
EquiPay’s proprietary platform is not only hyper-efficient, we also pride ourselves in one of the fastest under-writing processes, anywhere in the world. Though quick, our under-writing has very specific standards. We are speedy because the entire process is internal to EquiPay.
Since EquiPay owns its eCheck platform, we are able to pass on our low costs to merchants. While being the most risk-efficient.
Our merchants also save money on the speed of our processing. We are able to process the eCheck for our merchants faster than most of the competing solutions in the marketplace.
EquiPay verifies all eCheck submissions in real-time. We run the customers through our massive data-bases for any negative history and records.
Further, we have an exhaustive follow-through process wherein we call, text and email your customers to re-verify the authorizations. We also call the banks to verify funds availability, account status, payer background before we let the eCheck hit your bank account.
While most credit-card focused merchant solutions come with specific volume caps and other limits our eCheck solutions approve you for higher limits than most of the competing solutions.
EquiPay not only helps our merchants manage speedy processing, it also helps them scale up quicker by providing larger processing limits.
No one likes complications. Least of all busy merchants working on solving business problems. Most processors make the pricing complicated by charging itemized fees as $ per transaction, monthly fee, statement fee, return fee, verification fee, etc.
EquiPay has super straightforward pricing. We charge one flat % for all your transactions no complication. Simple.
EquiPay’s Support teams are not only real humans but also easy to talk to. No multi-point verification before getting someone on a call. As a matter of fact, we mostly have you schedule a time that works for you and we call you when you are ready for us.
We also like our merchants to speak to us about their business problems so we can provide them customized payment solutions.
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Frequently asked questions
Our team has put together the most commonly asked questions easy for you to refer. For any more clarifications kindly contact us.
Still have questions?
Get in touch with our merchant experts for all your needs, Equipay strives to deliver friendly reliable customer service.
Your business name will appear on the customer statement.
Our Rates in % terms are comparable to the current market rate for high-risk businesses.
Yes, we work with all major banks as well as smaller financial institutions. Please be aware an extra two-business days may be required to deposit eChecks in smaller financial institutions.
If Merchant has their own bank account: ALL VERTICALS on a case-by-case basis
If Merchant requires aggregate account solution: ALL VERTICALS on a case-by-case basis
If your account gets assessed for a reserve, it will be held on a rolling basis for as long as your account is managed by EquiPay.
Yes, you will have instant and automatic access to various verifications that are included in this best-in-class package. The list will include (i) Basic Level Check (incorrect routing number, account number verification etc.), (ii) Advanced Verifications (customer’s payment history, customer’s financial history etc.), and (iii) Automatic Risk Pass/ Fail (based on bank verification, and various other piece of data from paid industry leading subscriptions etc.).
Subject to customer’s financial institution, we can verify if their account has enough funds to cover transaction payment.
All eChecks submitted and approved before 6pm ET will be deposited next business day by noon ET.
If Merchant choses to verify all eChecks, customer will receive an e-mail and text message to verify if payment is valid. Customer will only be called in exceptional cases if e-mail and/or text fail.
Yes, you can track the status of all your eChecks by having dedicated access to our eCheck portal.
Yes, you will have your own statements.
Customer will have only your Toll-Free Number or local US number as the main contact number.
You can email any inquiries to help@equipay.co. The response time is a few minutes to 24 hours.
Your current all-in fees will include every fee charged at the back end. The payment returned by a Customer might lead to a bank fee. We have no control over that.
Are there any volume or ticket size restrictions?
