High-risk merchant services
SeamlessChex is a Miami-based payment processor founded in 2012 that offers eCheck, ACH and card processing, with a focus on high-risk US businesses such as nutraceuticals, CBD, telemedicine and dropshipping.
Strengths
Watch out for
Best for
US high-risk merchants, including dropshippers, who want to add eCheck or ACH next to card processing.
| Type | High-risk merchant services |
|---|---|
| Pricing model | custom quote |
| Card rate | Not published |
| International | Not published |
| Monthly fee | Not published |
| Setup fee | None (product comparison page: 'No Set Up Fees') |
| Chargeback fee | Not published |
| High-risk businesses | Yes |
|---|---|
| Dropshipping | Yes |
| Reserves | Commonly 5% to 20% of card settlements on new high-risk accounts; percentage, cap and release schedule are negotiable (FAQ) |
| Payout speed | Not published |
|---|---|
| Merchant countries | United States (comparison page requires a US business bank account) |
| Currencies | Not published |
| Shopify | Not published |
|---|---|
| WooCommerce | Yes |
| Subscriptions | Yes |
| One-click upsells | Not published |
| Apple Pay | Yes |
| Multiple MIDs | Not published |
| Token portability | Not published |
The FAQ says card processing for high-risk merchants typically runs 2.95% to 5.5% and ACH or eCheck usually costs under 2%; no rate card is published. No long-term contracts and no cancellation fees.
The industries page lists 60+ verticals, including Drop-Shipping Companies, nutraceuticals, CBD, kratom, peptides, adult and TMF/MATCH-listed merchants. The site cites 25+ acquiring bank partners. High-risk approvals take about 72 hours to a few business days.
Card funding timing is not published. The product comparison page lists 'Same Day Funding' with an asterisk but does not say which products qualify. The WooCommerce eCheck plugin says funds arrive as fast as same day to 2 days after a check is entered.
The developers page lists Shopify and WooCommerce among ACH/eCheck integrations but does not explain how the Shopify connection works. Card processing connects through NMI, Authorize.net and Fluidpay. SeamlessChex publishes an eCheck/ACH plugin for WooCommerce on WordPress.org.
SeamlessChex sources · checked 2026-10-21