High Volume eCheck Processing
eCheck (WEB and TEL SEC codes) lets high volume merchants accept bank-account payments online or by phone. Volume Processing pairs eCheck acceptance with Plaid bank verification and NSF guard, keeping returns below 0.4%.
What you get with high volume echeck processing
Plaid bank verification
Real-time account validation blocks closed and frozen accounts before submission.
NSF protection layer
Pre-authorization balance checks lower NSF returns by up to 60%.
WEB and TEL SEC codes
Accept payments online (WEB) and over the phone (TEL) under NACHA-compliant authorization flows.
How high volume echeck processing compares
Stack high volume echeck processing against typical flat-rate offerings and you see the spread widen at every order of magnitude in volume.
Estimated effective rate on a blended online card mix at $5M/month. Your rate may vary.
Frequently asked questions
What is the difference between ACH and eCheck?＋
eCheck is a consumer-facing label for ACH debits authorized through web or phone channels. They settle on the same ACH rails but use different NACHA SEC codes.
Related payments services
High Volume Credit Card Processing
Interchange-plus credit card processing built for merchants moving $100K to $100M+ per month with same-day funding and tier-1 acquiring.
High Volume ACH Processing
Flat-fee ACH payment processing for merchants moving high volume recurring debits, payroll, and B2B settlement at $0.25–$0.50 per transaction.
High Volume International Payment Processing
Multi-currency card acceptance for US merchants selling globally — optimized routing to reduce cross-border decline rates by up to 18%.