Get paid straight from the bank, and cut the cost by two-thirds or more.
ACH is a payment that comes straight out of your customer's bank account. Compared with a card, it cuts what you pay to get paid by two-thirds or more. For invoices, rent, dues and bills to other businesses, it's the cheapest way to get paid, and most businesses are never offered it.
Add ACH to my accountHow we set this up
On a large invoice paid by credit card, you pay a percentage of the whole amount, unless you're signed up for dual pricing or surcharging. Paid by ACH, that cost drops by two-thirds or more.
ACH fits payments that repeat or run large, like monthly invoices, retainers, rent, dues and service contracts. You can offer it next to cards and let each customer pick.
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
For high-volume billingA large ACH processor, now part of Nuvei. It can turn a paper check into a digital one at the counter and run high-volume repeat billing.
- Set up ACH billing on a schedule
- Turn a paper check into a digital one at the counter
- Payments from other businesses' bank accounts
- Run a check through the web portal
Best for: Businesses that send a lot of invoices, and anyone who wants more of their monthly billing paid by bank.
Vericheck
Checks the account firstAn ACH company with 30 years in the business. It checks the customer's account before you take the payment, so fewer payments bounce.
- Look up the account before you take the check
- Take an eCheck from a checking or savings account
- Connects to your own software, if you have a developer
- We set small firms up start to finish
Best for: Businesses that still take paper checks and want them verified before the customer leaves with the goods.
Move an invoice from card to ACH and what you pay to get paid drops by two-thirds or more.
The one catch is speed: a bank payment takes a few business days to reach your account, where a card payment takes about one. For invoices your customers take 30 days to pay anyway, those few days cost you nothing. We'll tell you which of your payments belong on ACH and which on cards.
Fair questions
Is an eCheck the same as ACH?
For a business taking a payment, yes. An eCheck is one ACH payment pulled from a customer's checking account, so every eCheck is an ACH payment. Our eCheck vs ACH guide walks through where the two names differ.
Does ACH still make sense if I'm on dual pricing or surcharging?
Yes, for large invoices and repeat billing. Some customers would rather pay by bank than pay the card price, and ACH gives them that option at a much lower cost to you.
How much does ACH actually cost?
Much less than a card. Moving a payment from card to ACH cuts what it costs you by two-thirds or more. We'll quote your exact price up front.
How long until ACH money reaches my account?
A few business days, as a rule. For repeat billing and invoices, that wait doesn't matter much. At the counter, cards are the better fit, and we'll say so.
What happens if a payment bounces?
Like a check, an ACH payment can bounce when there isn't enough money in the account. We set up tools that check the account first, and rules that try the payment 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's one of the most closely watched payment systems there is.
Can I offer card and ACH on the same invoice?
Yes. Customers pick how they pay, and many businesses make ACH the default option on large invoices.