The payment rail that costs cents, not percents.
ACH moves money from bank to bank for a few flat cents, not a percent. For invoices, rent, dues and B2B bills, it is the cheapest way there is to get paid. Most businesses are never offered it.
Add ACH to my accountHow we set this up
Here's the math that makes ACH interesting: a $5,000 invoice paid by credit card costs you roughly $150 at typical rates. The same invoice paid by ACH costs well under a dollar. Same money, same speed of asking, a fraction of the cost.
ACH fits the payments that repeat or run big. Think monthly invoices, retainers, rent, dues and service deals. Run it next to cards and let the customer pick. The math quietly leans toward the rail that costs you almost nothing.
We set it up on the same account as your card processing. Your deposits, reports and support all stay in one place.
What we carry
Paya
ACH at scaleA big ACH processor, now part of Nuvei. It does it all. It can turn a paper check into a digital one at the counter. It can also run high-volume repeat billing.
- Set up ACH billing on a schedule
- Turn a paper check into a digital one at the counter
- B2B payments from business bank accounts
- Run a check through the web portal
Best for: Firms that bill a lot, and anyone moving real monthly volume to the cheap rail.
Vericheck
Verification + ACHAn ACH shop with 30 years in the trade. It checks the account first, so the payment you take is one that will clear.
- Look up the account before you take the check
- Take an eCheck from a checking or savings account
- An API your developer can build on
- We set small firms up start to finish
Best for: Firms that still take paper checks and want them checked before the goods walk out.
Every invoice you move from card to ACH is a 95% discount on getting paid.
The trade is settlement speed: ACH takes a few business days where cards take one. For invoices that were net-30 anyway, that trade is free money. We'll tell you which of your payment types belong on which rail.
Fair questions
How much does ACH actually cost?
A flat fee in cents per sale, not a percent. On a big invoice, the gap against card cost is huge. We will quote your exact price up front.
How long does ACH take to settle?
A few work days, as a rule. For repeat billing and invoices, the schedule soaks that up. At the counter it is the wrong rail, and we will say so.
What happens if a payment bounces?
Like a check, an ACH debit can bounce for want of funds. We set up tools that check the bank and rules that try again.
Can my customers pay their own invoice by ACH?
Yes. A pay link or a portal lets them put in bank details once. From there, autopay does the rest.
Is ACH safe to give my bank details to?
ACH runs on the same federal network your payroll and tax payments use. Your details are held with bank-level security. It is the most watched rail there is.
Can I offer card AND ACH on the same invoice?
Yes, and you should. Customers choose, and smart businesses make ACH the friction-free default for large invoices.