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eCheck Payments

Content about eCheck payments (ACH debits in the U.S.) for high-risk merchants (iGaming/betting, FX/CFD, adult, nutraceuticals, crypto). We cover how eChecks work (CNP WEB debits, 6/8-digit BIN isn’t used), bank-account verification (micro-deposits, open-banking APIs, NACHA WEB Account Validation Rule), limits/velocity ladders, return windows & codes (e.g., R01 NSF, R02 acct closed, R03 no acct, R10 unauthorized), when re-initiation is allowed, refunds vs reversals, cut-off times and T+ settlement, reconciliation/webhooks, and how ODFI risk appetite affects onboarding for high-risk verticals. Regional analogs: EFT (Canada), SEPA Direct Debit (EU/EEA) with different mandates and dispute rights.

Typical use cases

  • One-off pay-ins and wallet/account funding

  • Free trial → subscription (CIT→MIT) with ACH fallback to reduce card fees/declines

  • Chargeback exposure vs cards (no chargebacks, but NACHA returns/claims) and how to design flows to lower R10s

Best-practice checklist

  • Enforce account validation before first WEB debit; store consent/micro-deposit evidence

  • Apply velocity rules and amount caps by KYC tier; delay access until funds clear

  • Build return-handling (auto-refunds, retry policies within NACHA limits)

  • Keep PCI DSS minimal (no PAN) but secure PII; log consent per SEC code (WEB/TEL/PPD/CCD)

Authoritative outbound resources about eCheck Payments:

  • NACHA — ACH Network & WEB Debit Account Validation (rules/overview)

  • Federal Reserve — ACH settlement/cut-offs basics

  • CFPB (Regulation E) — consumer error resolution & unauthorized transfers

  • The Clearing House (EPN) — ACH network participant guidance

Stripe Payments Company — Not Suited for iGaming? Here’s What You Should Know

Illustration of Stripe Payments Company alternatives for gambling and iGaming with roulette, credit card, consultant, and smartphone
Consulting and Support Services, iGaming Payment Insights, Industry-Specific Payment Solutions /

Many businesses start out searching for a Stripe payments company, hoping to plug in a sleek solution and start processing transactions immediately. But for gambling, betting, and iGaming operators—especially in Europe, the United States, and Turkey—the reality is more complex. Stripe does not support high-risk industries, and iGaming businesses must turn to more specialized payment methods and partners.

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