ACH & eCheck Payment Processing — Secure, Low-Cost Bank Transfers for US & Non-US Businesses

For businesses seeking a reliable, cost-effective alternative to credit card processing, ACH and eCheck payment processing offers a compelling solution. DozyPay provides fully managed ACH and eCheck payment processing services for both US and non-US businesses — including high-risk merchants that mainstream processors routinely decline. Furthermore, whether your business operates in tech support, pharmaceuticals, adult content, online gaming, or any other high-risk vertical, our platform is specifically built to handle your transaction volume securely and efficiently. Consequently, you can keep every sale — without the payment friction that costs businesses millions in lost revenue each year.

What is ACH Payment Processing — and How Does eCheck Differ?

Understanding the distinction between ACH and eCheck is essential before choosing the right solution for your business. Although the terms are often used interchangeably, they describe slightly different mechanisms within the same bank-to-bank transfer infrastructure.

ACH Payments (Automated Clearing House)

ACH is a US-based electronic funds transfer network that processes direct bank-to-bank transactions. Businesses use ACH to collect payments directly from a customer’s bank account — without involving card networks such as Visa or Mastercard. As a result, ACH processing typically carries significantly lower transaction fees than card-based payments, making it particularly attractive for high-volume or high-value transactions.

eCheck (Electronic Check)

An eCheck is the digital equivalent of a traditional paper cheque. It uses the same ACH network to transfer funds but is initiated electronically — through a website portal, virtual terminal, or API integration. Consequently, eCheck processes significantly faster than traditional paper cheques, eliminates the physical handling and bank-visit overhead, and provides a verifiable electronic audit trail for every transaction. Moreover, eCheck is widely accepted by customers who prefer bank-account-based payments over card transactions — a growing segment in both B2B and subscription-based commerce.

Why Choose DozyPay for ACH & eCheck Payment Processing?

DozyPay was established specifically to serve high-risk businesses and ambitious startups that have been turned away by conventional payment processors. Our ACH eCheck payment processing solution consolidates your transactions into a single, secure processing stream — giving you full visibility and control over your payment operations, regardless of your industry or credit history.

• High-Risk Approved: We approve ACH and eCheck merchant accounts for high-risk industries — including tech support, pharmaceuticals, adult entertainment, gaming, and more — regardless of credit history.
• US & Non-US Businesses: Our platform serves both US-registered and offshore companies, with tailored pricing and payout structures for each. Additionally, non-US businesses benefit from a dedicated offshore processing track.
• Multiple Integration Options: Accept eCheck payments through a secure website portal, virtual terminal (VT), or our API — with full integration support available upon request.
• Direct Bank Account Deposits: Funds settle directly into your designated business bank account on your agreed payout schedule — no intermediary holding accounts.
• Refund Management: Process customer refunds directly from your merchant portal, maintaining full audit trail compliance.
• No Hidden Fees: Our fee structure is fully transparent. Furthermore, there are no setup fees for non-US businesses, no monthly maintenance fees, and no gateway fees — exactly as stated below in our pricing tables.
• Fast Approval & Setup: Most merchant accounts are approved within one week. Moreover, once approved, your account is configured and ready to accept payments within days.

Pricing — eCheck Processing for Non-US Businesses

The following fee structure applies to businesses registered outside the United States. Note that a 10% Merchant Discount Rate applies to offshore eCheck processing, with weekly Friday payouts. All additional fees listed below are included in this structure with no hidden charges:

Additional included services (no extra charge):

Pricing — eCheck Processing for US Businesses

US-registered businesses benefit from a more competitive rate structure and daily payout cycles. The following rates apply for US-based ACH and eCheck processing through DozyPay:

How to Apply? — Get Started in Four Steps

1. Submit Your Application: Complete our online application form with your business details. We review every application personally — no automated rejections based solely on industry type.
2. Receive a Personalised Quote: Our team contacts you within 24 hours to confirm your applicable rate structure, payout schedule, and rolling reserve terms.
3. Account Approval: Upon agreeing to the terms, our underwriting team completes your merchant account approval — typically within one week for most business types.
4. Integrate & Go Live: Connect our eCheck solution to your platform via API, virtual terminal, or hosted portal. Our technical team provides integration support throughout the process.

Also Processing Card Payments? DozyPay also provides dedicated high-risk merchant accounts, offshore merchant accounts, and international merchant accounts — allowing you to consolidate all your payment processing under one trusted provider. Additionally, if you operate in the gaming or gambling vertical, explore our dedicated gambling payment gateway solutions.

Important Notes Before Applying

Please review the following requirements and conditions before submitting your application:

• Registered Businesses Only: eCheck and ACH processing is available exclusively to registered business entities. Accepted documentation includes company incorporation certificates, firm registration documents, or partnership deeds — along with details of all principals. Unfortunately, we are therefore unable to provide eCheck services to individuals operating without a formal business entity.
• Consultation Fee: A separate consultation fee may apply in addition to the processing fees detailed in the pricing tables above. Our team will confirm this during the quotation stage.
• No Hidden Policies: Our fee structure and account terms are fully transparent. Consequently, everything is disclosed in writing before you commit — with no surprises after go-live.