High-Risk ACH Specialists

ACH Payment Processing for Debt Settlement Companies

Debt settlement is one of the hardest verticals to get approved for — and one of the easiest to get dropped from. GoACH has provided stable, compliant ACH processing for high-risk businesses since 2010. We understand debt relief compliance, and we won’t leave you stranded mid-program.

15+
Years in high-risk payments
3–5 Days
Approval turnaround
ACH Only
It’s all we do

Since 2010
Trusted industry track record
Dedicated Accounts
FTC-compliant fund handling
Recurring
Billing ready out of the box
Real Support
Dedicated account manager

The problem

Why debt settlement companies keep getting dropped

Debt settlement and debt relief companies are flagged as high-risk by most mainstream processors. The FTC’s Telemarketing Sales Rule (TSR) prohibits charging advance fees before a debt is settled, client funds must be held in a dedicated account the client controls, and the industry carries elevated chargeback and dispute rates. That combination makes traditional processors nervous — and quick to terminate.

None of that means you can’t get stable processing. It means you need a processor who has already built compliance frameworks around debt relief. ACH is the natural fit: it’s lower cost than card processing, it integrates cleanly with recurring settlement-fee schedules and dedicated-account structures, and it produces fewer disputes when set up correctly.

What you get

Everything your debt settlement business needs

Recurring ACH billing
Automate monthly settlement-fee and program payments with scheduled ACH pulls. No manual processing, no missed drafts.

High-risk approved accounts
We work with underwriters who understand debt relief. No surprise account terminations mid-program.

Dedicated-account compatible
ACH that works with FTC-required dedicated account structures for holding client settlement funds.

Chargeback management
Built-in chargeback monitoring and dispute support to protect your account health. View ACH return codes →

Same-day and next-day ACH
Faster settlement options for businesses that can’t wait the standard 2–3 day window.

Dedicated account support
A real person who knows your account, not a generic support ticket queue.

Who we work with

Built for all types of debt relief businesses

  • Debt settlement and debt negotiation companies
  • Debt relief firms billing performance or program fees
  • Credit counseling and debt management agencies
  • Student loan and medical debt resolution providers
  • Hybrid companies offering credit repair and debt settlement
  • Established firms ready to scale their client base
Common questions

Frequently asked questions

Can debt settlement companies get ACH processing?
Yes. While most mainstream processors decline debt settlement accounts, high-risk processors like GoACH specialize in exactly this. The key is an underwriter who understands the FTC Telemarketing Sales Rule, dedicated-account requirements, and the industry’s dispute profile.

How does ACH work with the FTC dedicated-account rule?
Under the FTC Telemarketing Sales Rule, client funds for debt settlement must be held in a dedicated account that the client owns and controls, and fees can only be collected after a debt is settled. GoACH’s ACH processing is built to work with these dedicated-account structures so drafts and fee collection stay compliant.

Is ACH better than credit card processing for debt settlement?
For most debt settlement companies, yes. ACH fees are significantly lower than card interchange rates, and recurring ACH is more stable for scheduled program payments. ACH disputes also follow a different process than card chargebacks, which is often easier to manage.

How long does it take to get approved?
Most accounts are approved within 3–5 business days. We’ll need your business documents, processing history if available, and a brief overview of your fee and program model. We’ll walk you through the full list when you apply.

What if I’ve been terminated by another processor?
We work with many businesses dropped by Stripe, Square, or other mainstream processors. Being placed on the MATCH list is a different situation — contact us to discuss your specific history and we’ll give you an honest assessment.

Ready to get stable ACH processing?

GoACH has helped high-risk businesses process payments reliably since 2010. Fill out the form and get a decision within 3–5 business days.

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