When we receive an eCheck.Net application, it goes through an underwriting process by our finance team. Some of the reasons a merchant is assessed a risk reserve are the following:
- Amount of time the company has been in business.
- Amount of time the company has conducted business with Authorize.Net.
- The condition of the financial information provided.
- The condition of the personal guarantee provided.
- The type of industry the company is in.
- The company's transaction history with Authorize.Net.
- All of these factors help to determine the risk reserve for the account.