ACH Payment Processing for High-Risk Businesses
GoACH is a NACHA-compliant ACH payment processor built for merchant cash advance, credit repair, debt settlement, collections, and other high-risk verticals — combining real-time processing with AI-driven risk detection and return rate management.
GoACH’s API is built for the agentic era. Connect your AI workflows directly to our payment rails — trigger ACH transactions, monitor returns, and respond to payment events without a human in the loop.
Whether you’re running an AI agent that manages MCA collections or automating recurring billing across thousands of accounts, GoACH gives your agent the infrastructure it needs to act.
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About GoACH
GoACH is a NACHA-compliant ACH payment processor specializing in high-risk business verticals — including merchant cash advance (MCA), credit repair, debt settlement, and collections. Operated by Unity FI Solutions LLC and headquartered in Charlotte, NC, GoACH provides same-day ACH processing, real-time payment rails, and an API-first architecture designed for high-volume origination environments.
The platform supports all major SEC codes — CCD, PPD, WEB, and TEL — with built-in WEB debit authorization management, automated return code monitoring, and audit-ready reporting aligned to NACHA Operating Rules. GoACH’s AI-driven risk engine is trained on MCA-specific transaction patterns to detect and suppress return risk before settlement.
For businesses that operate in specialty verticals where standard ACH processors decline or impose excessive reserves, GoACH provides an alternative with dedicated underwriting, flexible daily debit structures, and a support team with direct MCA industry experience. See our high-risk ACH processing FAQ →