Lower Fees, Direct Bank Transfers
ACH Payment Processing for Business
Accept ACH and eCheck payments with lower fees than credit card processing. Perfect for recurring billing, B2B payments, and high-ticket transactions.
Benefits of ACH Payment Processing
Lower Fees
ACH fees are typically 50-80% lower than credit card processing rates. Save significantly on recurring and high-ticket payments.
Fewer Disputes
ACH transactions generally have lower dispute rates than card payments, reducing your risk exposure.
Recurring Billing
Perfect for memberships, subscriptions, and installment payments. Set it and forget it.
B2B Payments
Most B2B payments are already handled via bank transfer. ACH formalizes and automates this process.
High-Risk Friendly
ACH bypasses card network restrictions, making it a strong option for high-risk merchants.
Large Transactions
Process high-ticket transactions without the high percentage fees of credit card processing.
Who Benefits Most from ACH Processing?
ACH Processing Questions
What is ACH payment processing?
ACH (Automated Clearing House) is an electronic bank-to-bank payment system. Instead of processing through card networks (Visa, Mastercard), ACH pulls funds directly from the customer's bank account. It's commonly used for recurring payments, B2B invoices, and high-ticket transactions.
How much does ACH processing cost?
ACH fees are typically much lower than credit card processing—often a flat fee per transaction ($0.25-$1.00) or a small percentage (0.5-1.5%). For businesses with high transaction amounts or recurring billing, the savings can be significant.
How long does ACH settlement take?
Standard ACH settlement takes 2-3 business days. Same-day ACH is available for an additional fee. While slower than card processing, the cost savings often make ACH worthwhile for appropriate transaction types.
Can customers dispute ACH payments?
Yes, but the dispute process is different from credit card chargebacks. ACH disputes are handled through the banking system (NACHA rules) and have different timeframes and requirements. Generally, ACH has fewer dispute issues than card payments.
Is ACH good for high-risk businesses?
ACH can be an excellent option for high-risk merchants. Because transactions don't go through card networks, some of the risk factors that affect card processing don't apply. Many high-risk merchants use ACH alongside card processing for stability.
Add ACH Processing to Your Business
Lower fees, fewer disputes, and automated billing. Get set up in days.