Specializing in High Risk Processing
Turn Key International Solutions
All Industries Accepted


ZCHEX Inc. is an innovative global e-commerce company that provides a complete front end solution to both offline and online
e-commerce businesses that are seeking a viable and stable processing solution.

High Risk Credit Card Processing

High Risk Credit Card Processing

We can help your business by providing a high risk merchant account. With our many years of specialist knowledge we are able to place High Risk and offshore Merchant with Payment solutions incorporating the latest anti-fraud protection and chargeback reduction programs.

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High Risk Credit Card Processing

Check Processing

Almost any business, online or not, can benefit from utilizing checks to accept payment. Using check processing allows you to accept payments electronically from a checking account for one-time and recurring charges. We have also implemented a Consolidated Returns Program.

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High Risk Credit Card Processing

International Card Payouts

ZCHEX’s International Card Payouts or Card Funds Transfer allows you to disburse funds quickly and securely to a Payee’s credit card in a wide list of countries globally.

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Solid. Reliable. Affordable. Secure. Call us now.


Start accepting credit cards on your web site in less than 3 days!

ZCHEX Incorporated provides online high risk credit card merchant accounts, with customer relationship management applications to service businesses selling products and services as well as subscriptions.

In addition to accepting credit cards on your web site in real-time, you can also request a free Virtual Terminal so that you can accept payments offline such as by phone. Accept Visa, MasterCard and Amex via your own merchant facility. High volume merchants can even choose their own descriptor! Our rates are discounted based on processing volume, and unlike domestic banks in countries such as the USA, there are no processing volume restrictions. Whether you expect your business to process one hundred dollars per month or 100 million, we will have a cost effective solution for you.

Major credit cards and debit cards processed include:

  • MasterCard
  • Visa
  • American Express
  • Cirrus Maestro
ZCHEX Incorporated can offer you an integrated high risk merchant account with fast approval and setup. Payments are reliably made directly by the bank to the account of your choice.

11 years of expertise in the industry.



card-yellow The ACH Network universally accepted by more than 20,000 financial institutions and used by more than 115 million consumers and four million businesses, ZCHEX Inc. is on the front line of your electronic payment needs.

ZCHEX Inc. is an Automated Clearing House service giving business of all types the tools they need to accept ACH credit, ACH debit and e-check payments automatically. We help businesses including retail, wholesale, government, and Internet & service industry based.

We help these organizations with various types of cash management and direct deposit products. Our software helps business verify and accept e-check payments automatically. Convert checks at the point-of-sale and collect insufficient funds automatically.
Our ATM/debit and credit card payment processing tools allow you to verify—in real-time—whether a customer’s account is currently overdrawn, frozen or closed. We have Web-based software tools that give you the option of accepting credit card, electronic check and ATM/debit payments online, in person or on the telephone.

Our tools allow you to direct deposit all funds faster and easier than manual deposits. We can also tailor a payment processing solution for any type of company as well as integrate with your current processing options. ZCHEX Inc. is the last ACH network company you will ever need for all your payment processing needs.


Bank Drafts have become a solid solution for merchants in the inbound & outbound telemarketing, mail order, and online e-commerce businesses. Bank Drafts enable you to collect receivables faster than the minimum one-week turnaround included with ACH payments. If you fail to meet NACHA authorization standards or do not want to put up with high reserves and increased processing rates, ZCHEX Group is your solution. ZCHEX’s end-to-end Bank Draft processing system is easy to integrate and works just like ACH,only better!

Whether you accept payments by phone, fax, or Internet, your business can start accepting Bank Drafts as quickly and easily as you once accepted ACH payments and credit cards.It’s simple to use. You send us an electronic file with the checking information from your customers. ZCHEX Inc. will print, process, endorse, and sort your paper drafts and provide detailed daily deposit reports for you.

Bank Drafts can be used for single or recurring payments. ZCHEX Inc. will even handle legal notification by notifying your customers by mail of any upcoming payments due. Each deposit you send will be listed on our real-time, online reporting website for you to track. With daily deposits, you will be able to identify returns and have access to your funds faster than ever.

With our service NACHA regulations in regards to returns or chargeback do not apply so you don’t have to worry about pointless regulations put in place to limit the amount of business you can do.

You Focus on Running your Business. We Make sure you get paid. On Time.

Call Us Now 800.687.6105


If you are a merchant account provider ISO / Agent and are seeking a stable solution then we can establish a merchant account for your client, simply send the merchant directly to ZCHEX Inc. and we will have them processing within 48 to 72 hours. We will guide your clients through every step of the process including membership script installations, one-on-one administration tutorials, and detailed explanations on customer service and account management. All merchant support is handled by our technical team so it is not necessary for you to be involved in gateway support services.

Please contact our sales office to learn more about our lucrative referring program and become a ZCHEX Inc. partner. Phone us at 1-800-476-4938 or you may also email info@zchex.com.


  • Vincent Deberardino

    “ZCHEX Inc has been a essential partner of Pay2Day USA. Since we started working with ZCHEX Inc almost two years ago, not only did we save money on transaction costs for our payment processing for all our six locations in the southeast but you have always been available whenever we had questions with any processing issue. I happily recommend and refer your services whenever I get a chance. Thanks for your efforts on behalf of all of us at Pay2Day USA.”

  • Vincent Deberardino

    “ZCHEX Inc and Dominion Financial partnered up several years ago and that has helped streamline our business at an affordable rate. When we were shopping for better credit card processing rates, we selected ZCHEX Inc, an organization that had a great help desk and problem solving abilities. This has proven to be great for our cash flow and easy access through our website for our online customers. I would encourage any businesses who are looking for these services offered by ZCHEX Inc to at least let them present you with a quote. You will then realize that you probably have more competitive and affordable options.”

  • Vincent Deberardino

    “I used to think that all credit card processing companies were pretty much the same. That was before we at E-Commerce Help switched to ZCHEX Inc. In addition to competitive rates, we received timely service, helpful training, and great technical support. I recommend ZCHEX Inc to any of our small business clients who would like to maximize their credit card processing.”

  • Vincent Deberardino

    “ZCHEX Inc was able to solve all my online payments issues. I contacted ZCHEX for a quote, the process was very fast, customer service was very professional, rates very competitive; that is the reason why us, at Client Care Network, decided to do business with ZCHEX Inc.”

  • Vincent Deberardino

    “Our work with Ashley Johnson from ZCHEX Inc aimed to decrease our processing rate by 10%. We were highly satisfied with Ashley and her team for taking control of our online processing and also for the speed in which they deliver – it is remarkable. We are pleased to be writing a testimonial for ZCHEX Inc. We at Check-21.com appreciate the extra step that the team at ZCHEX Inc are willing to take to stay on top.”