Move money bank to bank.
ACH transfers money directly between bank accounts. No card rails, no interchange. Lower fees, especially on recurring billing and large transactions.
The Automated Clearing House.
ACH is the network behind direct deposit and automatic bill pay. When a customer pays by ACH, the funds move from their bank account to yours — no card company in the middle. The same infrastructure that moves payroll moves your payments.
Authorization, transfer, settlement.
The customer agrees to pay. The money moves. You get paid.
- 1
Customer authorizes the transfer
The customer provides their bank account and routing number and agrees to the charge. This can happen via a web form, invoice, or signed authorization.
- 2
The transfer moves through the ACH network
The payment routes through the Automated Clearing House — the same network that handles direct deposit and bill pay. No card rails, no interchange.
- 3
Funds settle to your account
Settlement typically takes 1–3 business days. You see the deposit in your merchant account, ready to reconcile.
Recurring, B2B, and big-ticket.
ACH shines where card fees hurt most — repeat payments, business invoices, and transactions where percentage-based pricing eats the margin.
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Recurring billing
Subscriptions, memberships, rent, and installment plans. Set it up once, collect automatically each cycle.
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B2B invoices
Business-to-business payments where card fees on large invoices would eat the margin. ACH keeps more of the sale.
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Large transactions
Tuition, deposits, high-ticket services. When the transaction is big, the flat ACH fee beats percentage-based card interchange.
Lower cost, fewer surprises.
- Lower fees. ACH is typically a flat fee per transaction, not a percentage. On larger amounts, the savings add up.
- No chargebacks. ACH disputes exist, but the process differs from card chargebacks. Fewer surprise reversals.
- Recurring support. Schedule payments on a cycle. The customer authorizes once; you collect automatically.
- Same dashboard. ACH transactions appear in the same console as your card payments. One place to reconcile.
- Bank verification. We verify accounts in real time to reduce returns from closed or invalid accounts.
Ready to accept ACH?
Add bank transfers to your payment options. Same console, same reporting, lower fees on the transactions that matter.