Merchant Payment Solutions

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Merchant Payment Solutions

Merchant Payment Processing

Affordable, Flexible Payment Solutions for Merchants of All Sizes

When it comes to accepting payments, merchants need speed, reliability, and low fees. Unfortunately, traditional credit and debit card systems can be expensive and inefficient, especially when dealing with recurring billing, remote transactions, or high volumes.

At EFX Financial Services, we offer smarter payment processing solutions to help you accept and process customer payments without the high costs of credit card terminals and third-party payment processors. Our ACH and e-check systems are secure, easy to use, and designed to help your business thrive.

Merchant Services

Traditional Merchant Services Are Costing You

Many merchant services rely heavily on credit cards for transactions. While convenient, these systems are loaded with fees and risks that can impact your bottom line and your customer experience.

Here’s what many merchants face:

High Card Processing Fees

Card transaction fees, including interchange charges, add up quickly, especially for recurring charges or low-ticket items.

Failed Recurring Billing

When a customer's card expires or hits its limit, your revenue takes a hit. These failed payments delay cash flow and create billing challenges.

Chargebacks & Disputes

Credit and debit card transactions are more prone to chargebacks, which can damage your business’s reputation and disrupt operations.

Limited Integration

Legacy systems often lack compatibility with your point of sale (POS) software, online storefront, or billing platform.

The Smarter Solution

ACH & E-Checks from EFX

EFX Financial Services provides an advanced alternative to traditional merchant account solutions. We help businesses to accept payments via ACH transfers and e-checks, enabling direct payment transactions from the customer’s checking account to your bank account, bypassing the expensive credit card networks.

What Is ACH?

An e-check is the digital version of a paper check. Customers provide their checking account and routing numbers, and you withdraw funds electronically, reliably, and affordably.
These two payment options allow you to accept payments without worrying about credit card fees or system failures.

What Are E-Checks?

EFX Corp

Our Merchant Payment Solutions

Whether you’re an online business, a subscription service, or a retail store, EFX offers payment solutions that improve your transaction process, reduce costs, and increase customer satisfaction.

Lower Fees

ACH and e-check transactions are much cheaper than card transactions, especially over time or with recurring payments.

Higher Success Rates

Unlike cards, checking accounts don’t expire or max out. That means more successful payments, especially for subscriptions or billing plans

Fewer Chargebacks

Bank-based payment processing is more stable and less vulnerable to customer disputes compared to credit and debit card systems.

Scalable & Secure

EFX’s merchant services are ideal for businesses of all sizes, with built-in compliance and fraud protection.

Streamlined Reporting

ACH payments integrate smoothly with your software, making it easier to track income and reconcile accounts.

Merchant Services

Payment Processing that Works With Your Systems

Our services are built for flexibility. We support a wide range of industries and software types, ensuring your merchant account setup connects easily with your current systems.

Recurring Payments Made Easy

Automatically bill your customers through ACH for memberships, subscriptions, or installment payments—no need to chase expired cards.

Phone & Manual Entry

Take payments over the phone with our secure interface. Easily input single orders or batch entries.

Check Conversion Services

Still accepting paper checks? Convert them into e-checks instantly and reduce the time and effort of manual bank deposits.

Merchant Services Solutions

Built for Every Industry

EFX supports merchant payments across a variety of industries:

E-Commerce & Retail
Healthcare Providers
Property Management & HOAs
Subscription & Membership Services
Utilities & Bill Collectors
Education & Nonprofits
Professional & Legal Services

No matter how you collect payments for your goods or services, we have a solution that fits your business model.

EFX Corp

Secure, Compliant, and Reliable

Trust and security are top priorities at EFX. Our systems are fully compliant with NACHA regulations, and all data transfers are encrypted to keep your business and your customers safe.

We’ve built our payment gateways with industry-leading fraud detection and risk mitigation tools, so you can process every payment transaction with confidence.

Merchant Services Solutions

Why Choose EFX for Merchant Payments?

You’ve got enough to manage already. That’s why we offer a streamlined onboarding experience and dedicated support, making it easy for businesses to accept smarter payment options.

Here’s what makes EFX the ideal partner:

No hidden fees. Our rates are designed to help you save more with every transaction.

Speak with real experts who understand your industry and your goals.

Get your merchant account set up quickly so you can start saving money and time.

Whether you're running a startup or a national franchise, our payment solutions scale with you.

Already using credit card terminals or other payment processors? We make switching easy, with no disruption to your operations.

Contact EFX Corp

Reduce Your Payment Processing Costs

Your customers want more payment options—and your business deserves better margins. With EFX’s ACH and e-check systems, you can upgrade your merchant services, reduce fees, and simplify your transaction process from end to end.

Whether you need to accept payments in person, online, or over the phone, we’ve got the tools and expertise to support your goals.

Start Today – Request a Free Consultation

We’ll help you compare your current payment processing system with our ACH/e-check model and show you how much you could be saving every month.

EFX Corp

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