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UseMyServices Joins Forces with Western Clearing to Lower ACH Returns

Seattle, WA, March 06, 2014 --( Seattle-based ACH processor, Western Clearing LLC and Toronto-based payments technology provider, UseMyServices, Inc, have joined forces to launch an innovative and cost-effective new tool aimed at solving a major ‘pain point’ for ecommerce Merchants that accept ACH or EChecks: high, and costly, return rates.

ACHreturnsRX (RX) is an innovative new technology that aims to lower NSF rates of ACH, ECheck and Check 21 transactions by allowing the customer to validate their bank account balance at the time of the online transaction or purchase, via a simple and quick log-in process through the RX platform.

“It’s a safe and user-friendly process that consumers are used to already since so many other services utilize the same type of process today,” said Joseph Iuso, CEO of UseMyServices. “The difference with our new product is that our proprietary technology makes this solution affordable for virtually any ecommerce merchant.”

ACH transactions are gaining popularity in the ecommerce space due to the low transaction cost compared to the high cost of processing credit card payments…but the competitive price can be offset by the high rate of returns due to non-sufficient funds when the transaction hits the customer’s bank account.

According to Mitch Wiggins, CEO of Western Clearing “With RX, the Merchant will know immediately if the customer is trying to make a payment from a bank account with insufficient funds to cover the purchase amount, and can either offer the customer other payment options, or simply fail the transaction. It’s the Merchant’s choice as to how to handle the situation, but the bottom line is that the Merchant has just avoided a potential NSF fee or worse - a fraudulent transaction.”

Although ACHreturnsRX has focused so far on verticals normally considered ‘high risk’ by the payments industry, it has attracted a great deal of interest from several major merchants as well as payment gateways, in large part due to the fact that the underlying technology that runs RX has a loyal, established merchant base internationally.

“ACHreturnsRX is a new product for us - but the underlying technology is tried and true,” added Melody Wigdahl, VP, UseMyServices. “The core technology has been the power behind our international bank debit platform for more than a decade. It’s a well-vetted technology that we’ve ‘tweaked’ to meet the unique demands of the US ACH system. It’s been a year-long project for us, and we are very pleased with the initial market response.”

The project will continue in beta phase for another 60 days, with a full market launch by May 1, 2014. Applications are still being accepted for the beta program, with special pricing incentives for participants.

About ACHreturnsRX:
ACHreturnsRX’s proprietary technology reduces your returns by letting your customer validate their bank account balance via their online banking service in real time, with a quick and simple login to their trusted bank. It’s safe, easy, user friendly - and most importantly - lets you offer a cost-effective payment alternative to your customers that don’t have or want to use their credit cards, while reducing your returns. Contact for a live demo today or visit us at

About UseMyServices:
Established in 2002, UseMyServices is the first company to bring together ecommerce and online banking with a proprietary platform that allows online banking customers to pay for their ecommerce purchases in real time using their own bank account. UseMyServices’ real time transfer means that customers making a purchase online can be credited immediately for their purchase. Visit our website at The full list of the banks available can be seen here: Contact for more details.

About Western Clearing:
Western Clearing Corp, LLC was established in June, 1998 as an ACH sales outlet. Since 2006 Western has owned their own ACH Gateway and Processing site and participates in nearly all forms of electronic transactions including C21, check conversion, web, and card services. Please review our website at for a complete offering or contact us at for more information.
Contact Information
Melody Wigdahl

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