The payment rail that costs cents, not percents.
ACH moves money bank-to-bank for a flat few cents instead of a percentage. For invoices, rent, dues and B2B payments, it's the single cheapest way to get paid, and most businesses never get 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 payments that repeat or run large: monthly invoices, retainers, rent, memberships, service contracts. Pair it with card acceptance and let customers choose, with the economics quietly tilted toward the rail that costs you nothing.
We set it up on the same account as your card processing, so deposits, reporting and support stay in one place.
What we carry
Paya
ACH at scaleA major ACH processor (now part of Nuvei) handling everything from point-of-purchase check conversion to high-volume recurring billing.
- Recurring ACH billing schedules
- Paper checks convert to electronic at the counter
- B2B payments from business bank accounts
- Virtual check processing through the web portal
Best for: Invoice-heavy businesses and anyone moving real monthly volume to the cheaper rail.
Vericheck
Verification + ACHA 30-year ACH specialist with check verification, so the payment you accept is one that clears.
- Check verification at the point of acceptance
- eCheck processing from checking and savings accounts
- Developer API for custom billing flows
- Turnkey setup for small businesses
Best for: Businesses that still take paper checks and want them verified before the goods leave.
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 measured in cents per transaction rather than a percentage. On large invoices the difference against card cost is dramatic, and we'll quote your exact pricing up front.
How long does ACH take to settle?
Typically a few business days. For recurring billing and invoices, the schedule absorbs it; for point-of-sale it's usually the wrong rail, and we'll say so.
What happens if a payment bounces?
Like a check, an ACH debit can return for insufficient funds. Verification tools and retry rules manage the risk, and we configure both.
Can customers pay invoices by ACH themselves?
Yes. Payment links and portals let a customer enter bank details once, then autopay from there.
Is ACH safe to give my bank details to?
ACH runs on the same federal network your payroll and tax payments use, with bank-level security on storage. It's the most regulated 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.