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Avoid These Mistakes When Selecting An ACH Processor

One of the best ways for businesses to make customer purchasing more convenient and flexible is by offering them more choices when it comes to paying for the products or services they are buying.  Most businesses today will accept credit or debit cards and paper checks.  However, a growing number of companies today are using an Automated Clearing House or ACH processor.  If you are not offering this payment option, it’s a safe bet that you may be losing out on additional sales.

Choosing the right ACH processor for your business can be a bit challenging because there are so many of them to consider.  When it comes to selecting the right one for your company, there are some very common mistakes that business owners make.  Here is a list of several that you should avoid:



First and foremost, remember that no two ACH processors are alike and there are dozens of them to choose from.  These processors enable businesses to communicate with Electronic Payments network and the Federal Reserve.


Most processors provide multiple payment options such as accepting credit and debit cards.  Although the networks that are used for ACH processing will vary, the equipment and software applications that are used are basically the same.  When you start shopping for an ACH processor, be sure that you don’t make any of those mistakes listed above.  However, there are other factors that you want to consider as well such as ensuring that the payment processor that you select is the right fit for your business.


Choosing the wrong processor can negatively impact your business in a number of ways.  The worst case scenario is that you could experience a security breach.  Some of the larger companies that have had breaches have lost credit and debit card data along with personal customer information.  One ACH processor was responsible for security breaches on over 40 million credit and debit cards.  As a result, the company had to shut down.  No business can afford security breaches, so do plenty of research before making your decision.

Posted in ACH, ACH Processing on Feb 09, 2014