Canadian Company looking to ACH US clients
First off hope all is well, and want to thank anyone who has any suggestion or advice.
We are a Canadian company offering small business financing to merchant in mostly the US. When we close a deal and broker solutions for the clients, we also charge a fee.
We are looking to directly debit the fee from the clients account. Right now, we are asking clients to wire the money or send a chq but that cause a lot of delays and some clients don't even end up paying the fees once the service are rendered. We want to find a way to charge the merchant simultaneously as the deal closes. ACH is the only method I could think of however most ACH companies won't do Cross boarder processing. I spoke to a couple and they said i need a US corp and a US based account and even with that, I probably won't be able to get ACH processing from them since they can't do a background check on me without a social.
Long story short.
Anyone know any good ACH companies they are using to debit us merchant?
Any other method of payment where we can charge a fee ?
Any ideas are welcome. Again thanks.