MCA Verify

Part of the Unity FI Family

GoACH: ACH Processing for Merchant Cash Advance & High-Risk Businesses

GoACH is the ACH payment processor built for merchant cash advance funders and other high-risk verticals — and a sister product of MCA Verify under Unity FI Solutions. MCA Verify decides which deals to fund; GoACH moves the money.

Visit GoACH.comBook an MCA Verify demo

What is GoACH?

GoACH is a NACHA-compliant ACH payment processor built for high-risk and specialty verticals — merchant cash advance, credit repair, debt settlement, collections, and other industries most processors decline. It handles high-volume daily debits and credits, real-time return monitoring, and same-day ACH, with underwriting that understands high-risk businesses from day one.

GoACH has processed payments for high-risk financial services companies since 2010 and is operated by Unity FI Solutions LLC of Charlotte, NC — the same company behind MCA Verify. Visit GoACH.com to learn more or apply.

How GoACH works with MCA Verify

MCA Verify and GoACH cover two stages of the same deal. You underwrite with MCA Verify — analyzing bank statements, scoring risk, and catching stacking before you commit. Once you approve, GoACH moves the money over ACH.

  • Underwrite with MCA Verify — automated bank-statement analysis, an explainable risk score, and stacking and tampering detection.
  • Fund and collect with GoACH — ACH credits to disburse the advance and ACH debits to collect the daily or weekly holdback, with real-time return monitoring.
  • One Unity FI stack — MCA Verify to decide, MCA Track to service, and GoACH to process the payments — all from the same company.

What GoACH offers funders

Built for high-risk MCA

Purpose-built ACH for merchant cash advance and specialty verticals — no surprise account terminations.

No reserves, no volume caps

Process at the volume your operation demands without holdbacks that choke cash flow.

Two-way ACH

Debits to collect repayments and credits to disburse advances and pay ISOs and syndicators.

Real-time return monitoring

Returns surfaced immediately with NACHA return-rate tracking to protect your standing.

Same-day ACH

Same-day settlement windows when speed matters, alongside standard next-day processing.

Since 2010

A trusted high-risk processor with a compliance team that knows the MCA business.

Frequently asked questions

Is GoACH related to MCA Verify?
Yes. GoACH and MCA Verify are both products of Unity FI Solutions LLC in Charlotte, NC. MCA Verify handles underwriting; GoACH handles the ACH payment processing that funds and collects on the deals you approve.
What does GoACH do?
GoACH is a NACHA-compliant ACH payment processor for high-risk and specialty verticals — including merchant cash advance — offering high-volume daily debits and credits, same-day ACH, real-time return monitoring, and no reserves or volume caps.
Do I need MCA Verify to use GoACH?
No. GoACH works as a standalone ACH processor for any eligible high-risk business. But if you underwrite with MCA Verify, GoACH is the natural way to fund and collect on approved deals within the Unity FI stack.

Underwrite with MCA Verify. Process with GoACH.

Decide faster with MCA Verify, then fund and collect over ACH with GoACH — both from Unity FI Solutions.

Visit GoACH.comBook an MCA Verify demo