Seamless Chex providers an alternative payment processing option for businesses that are more interested in ACH than credit cards, with an emphasis on high-risk industries.
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REVIEWED BY
Expert Contributor
| Total Rating | 4.5 |
|---|---|
| Fees & Rates4.3 | |
| Products & Services4.2 | |
| Contract4.8 | |
| Sales & Advertising Transparency4.9 | |
| Customer Service4.8 | |
| User Reviews4.7 | |
Table of Contents
Seamless Chex offers a variety of merchant services, but its main focus is on eCheck and ACH (Automated Clearing House) payment processing. The company uses a variety of customer verification methods to approve payments and offers an online account dashboard that allows users to send and receive payments from any device with a browser and an internet connection.
Seamless Chex can be particularly appealing to high-risk merchants, who frequently struggle to get approved for a traditional merchant account. The company offers true month-to-month billing, with no long-term contracts and no early termination fees. Seamless Chex offers same-day account setup—you can either sign up for an account online or by contacting the company’s in-house sales team.
| Products & Services4.2 |
|---|
| Software & Services 5.0 |
| Hardware & Equipment 3.4 |
While Seamless Chex isn’t a traditional merchant account provider, it still offers a very robust range of products and services to help you run your business. Though the emphasis here is clearly on eCommerce-only enterprises, retail merchants will also find some integrations with mobile point-of-sale (POS) systems.
| Seamless Chex Features | Availability |
|---|---|
| Dedicated Merchant Account | |
| PCI Compliance | |
| High-Risk Accounts | |
| International Accounts | |
| Contactless Payments | |
| ACH Processing | |
| Digital Wallet Acceptance | |
| EBT Acceptance | |
| Virtual Terminal | |
| Mobile POS Reader & App | |
| Hosted Online Store | Hosted payment pages |
| Payment Links | |
| Payment Gateway Integrations | |
| Shopping Cart Integrations | |
| POS Integrations | |
| BNPL Integrations | Not advertised |
| API Documentation | |
| Currency Conversion | |
| Recurring Billing | |
| Invoicing | |
| Cash Discount Program | |
| Cryptocurrency Processing |
As you might expect, Seamless Chex is the company’s primary product. It’s a full-service platform for ACH and eCheck processing that can verify your customer’s bank account information, authorize the transaction, and deposit funds into your account by the next business day.
Seamless Chex can accept any legally operating business in the US, including particularly high-risk merchants who otherwise cannot get approved for a merchant account. If you already have a merchant account with a different provider, you can use the Seamless Chex service as an alternative to traditional ACH processing.
Here’s a rundown of the primary features you’ll get with Seamless Chex:
| Fees & Rates4.3 |
|---|
| Pricing 4.0 |
| Affordability 4.6 |
Seamless Chex does not have any standardized pricing information on its website. However, this is par for the course in the world of high-risk payment payment processors.
Seamless Chex does state that they offer flat-rate pricing, have no account setup fee, and no cancelation fee.
Businesses applying to Seamless Chex will likely be offered a pricing quote that’s customized according to the size and nature of your business. We encourage you to compare quotes from Seamless Chex against what other providers are offering you before making a decision.
| Item | Value |
|---|---|
| Account Setup Fee | $0 |
| Contract Length | Month-to-month |
| Processing Model | Flat-rate |
| Card-present Transaction Fee | Not disclosed |
| eCommerce Transaction Fee | Not disclosed |
| Keyed-in Transaction Fee | Not disclosed |
| Equipment Cost | $0+ |
| Sales & Advertising Transparency4.9 |
|---|
| Sales Practices 5.0 |
| Web Presence 4.0 |
The Seamless Chex website is clean, focused, and very easy to navigate. It provides a good amount of information for prospective users about the company’s products and how they work. In addition to a very detailed FAQ, there’s also a product selector feature (in the form of a quiz) that helps you identify which product is best for your particular needs.
Online account sign-up directly from the website is available and is probably the most common way for users to open an account. Nonetheless, we encourage you to contact the in-house sales team at Seamless Chex before signing up to get answers to any questions you may have about the service. Unlike many other, more traditional providers, Seamless Chex doesn’t use independent sales agents to market its services, and we’ve found no complaints about the company’s sales practices.
As you would expect from a fairly young, tech-focused company, Seamless Chex has an active social media presence, with accounts on Facebook and LinkedIn that are updated frequently with new educational content. Although the company doesn’t have any content on YouTube, you can find several very helpful educational videos on Vimeo.
| Contract4.8 |
|---|
| Commitment 5.0 |
| ETF & Other Fees 4.6 |
Seamless Chex (also published as SeamlessChex) advertises that accounts come with true month-to-month billing, no account setup fee, and no expensive early termination fees if you close your account before the end of the current term. While these are obviously the best and most flexible contract terms you could hope for, we’d caution you that they might not apply universally.
High-risk merchants who sign up for a merchant account through the Seamless Merchant service, in particular, might have to accept some type of long-term commitment in exchange for being approved for an account. Be sure to discuss this issue with your sales representative, and confirm that your contract documents accurately reflect the terms you’ve agreed to before you sign up.
| Customer Service4.8 |
|---|
| Personal Support 5.0 |
| Self-Service 4.0 |
Seamless Chex offers customer support via telephone, email, and a Zendesk-powered live chat feature on the company’s website. Telephone and live chat support are available from 9:00 AM to 6:00 PM Eastern time, Monday-Friday. Support is all in-house, with no outsourcing.
| Seamless Chex Customer Service | Availability |
|---|---|
| Phone Support | |
| Email Support | |
| Support Tickets | |
| Live Chat | |
| Dedicated Support Representative | |
| Knowledge Base or Help Center | |
| Videos & Tutorials | |
| Company Blog | |
| Social Media |
Although the company doesn’t mention it on its website, you’ll also be assigned a dedicated account representative when you sign up. This means that you’ll usually talk to the same person every time you contact customer service, rather than endure the run-around from one department to another that is so typical of many other providers.
| User Reviews4.7 |
|---|
| Customer Feedback 5.0 |
| Review Site Aggregate 4.5 |
A rarity among high-risk processors, Seamless Chex user reviews are overwhelmingly positive.
With credit card processing getting more expensive all the time, using a digital check acceptance platform like Seamless Chex offers a much more convenient and cost-effective way to set up an ACH payment processing service for your business.
Seamless Chex is fairly priced, accepts high-risk businesses, and even offers same-day account setup.
At the same time, it’s better suited to some use cases than others. Seamless Chex will appeal primarily to eCommerce-only businesses, high-risk merchants, and B2B merchants.
Seamless Chex is not well suited for most low-risk brick-and-mortar businesses like restaurants, where customers have become accustomed to paying for their meals with either a credit or debit card.
While we can’t tell you whether it will be a good fit for your particular business, it’s a great choice for businesses that primarily accept payments remotely rather than in-person. You might also want to check out our guide to the best ACH processors for small businesses for some other great recommendations.
We research, evaluate, and test each high-risk payment processor that we review at Merchant Maverick, placing special emphasis on key characteristics to generate granular ratings for high-risk merchant account providers.
High-risk merchant accounts, by definition, require the provider to take on more risk and liability; they tend to be more expensive overall than traditional merchant accounts, with more fees and limitations. For this reason, our high-risk rating methodology differs from our standard credit card processor rating methodology, so we don’t mislead our readers by comparing apples and oranges. Many businesses in high-risk industries cannot qualify for a normal payment processing account. That said, there are good and bad options available in the high-risk space, and we judge these high-risk providers against each other to provide the most balanced assessment.
High-risk services can be complex, so we use a 24-point rubric to evaluate each provider. First, we look at pricing structure – interchange plus, subscription-based, tiered, or hybrid – giving the most points to providers that provide fair, transparent pricing and docking those that rely on tiered models. Then we examine rates, the presence and transparency of early termination fees, and any additional fees.
We also look at contract length and fairness and test out sales staff and customer service channels ourselves to ensure that the company uses reputable, above-the-board sales techniques. Finally, we take the company’s online reputation into account, reading customer reviews and comments.
Read more about how we rate high-risk merchant account providers.
The Merchant Maverick Seal of Approval 🏆
Seamless Chex |
|---|
After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see Seamless Chex for yourself.
The Merchant Maverick Seal of Approval 🏆
Seamless Chex |
|---|
After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see Seamless Chex for yourself.
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Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
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Our team of experts spends hours on every review so that we can find the best companies to recommend to our readers. Seamless Chex made the cut.
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