How Should Banks Risk Rate ACH Originators?

Banks often risk rate ACH originators based on operational, financial, and behavioral factors.

Typical Inputs

  • Business type
  • Monthly volume
  • Average file size
  • Return history
  • Years in business
  • Prior fraud issues
  • Ownership transparency

Example

A stable local payroll company may rate lower than a new online merchant with fast-growing debit activity.

 

 

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