High Risk Ach is able to provide your business with payday loan ACH/ check 21 processing solutions. Our payday loan processing programs offer no percentage and a flat per transaction fee. Merchants will email our main office your debit and credits for the day and we will credit and debit all transactions next day. Applications are approved in 3-5 days. Merchants will be able to have a high NSF return rate and a high unauthorized return rate while still being able to continue processing with our solutions. Contact one of our merchant representatives and see how High Risk Ach and ACH processing will be able to lower your processing costs and reduce headaches.