Accept ACH payments and bank transfer payments directly from your customers' checking accounts. With lower processing fees than cards, built-in recurring ACH billing and NACHA-compliant electronic funds transfer, ACH processing is the smart way to get paid for subscriptions, payroll, B2B invoices and high-ticket sales.
ACH processing moves funds directly between bank accounts over the Automated Clearing House network - the same rails that power direct deposit and bill pay. For many businesses, accepting bank transfer payments is far more cost-effective than cards.
ACH payments usually carry a low flat fee instead of a percentage of the sale, so you keep more revenue - especially on recurring ACH payments and high-ticket invoices.
Set up recurring ACH payments once and let direct debit run on the schedule you choose - perfect for subscriptions, memberships and net-terms billing without re-entering details.
Funds from each electronic funds transfer settle directly into your business bank account, typically within one to two business days, with clear reporting on every batch.
Every ACH transaction is encrypted, tokenized and processed under strict NACHA operating rules, with account verification to reduce returns and unauthorized debits.
Because pricing is not tied to a percentage, ACH processing keeps costs predictable on large invoices and B2B orders where card fees would otherwise eat into margin.
Collect bank transfer payments through your website, hosted invoices, a virtual terminal or an API. Add ACH alongside your existing card processing with no heavy lift.
From recurring ACH billing to payroll and B2B settlement, businesses across industries rely on direct debit and bank transfer payments to move money efficiently.
Automatically debit memberships, dues and installment plans with recurring ACH payments that run on schedule, every cycle.
Send wages, commissions and vendor payouts through direct deposit ACH credits straight to recipient bank accounts.
Collect large net-terms invoices over the ACH network and skip percentage-based card fees on every wholesale order.
Lower churn and processing costs on subscription products by debiting customer checking accounts instead of expiring cards.
An ACH payment follows a clear path across the Automated Clearing House network. Here is how a single bank transfer payment moves from your customer to your business account.
Your customer authorizes a debit and shares their bank routing and account number through a secure form, invoice or virtual terminal.
We batch the transaction and submit it to the ACH network as an electronic funds transfer entry against the customer's checking account.
The customer's bank verifies the account and available funds, then approves the direct debit under NACHA operating rules.
Funds clear and settle into your business bank account, usually within one to two business days, with full reporting.
Whether you bill on a schedule or collect single payments, ACH processing adapts to how your business gets paid.
Ideal for subscriptions, memberships, installment plans and net-terms accounts where you debit the same customer on a repeating schedule.
Perfect for large invoices, deposits, B2B orders and high-ticket sales where you want to avoid percentage-based card fees on a one-off transfer.
See how accepting ACH payments stacks up against card processing on cost, recurring billing and high-ticket transactions.
| Feature | ACH Processing | Credit Card Processing |
|---|---|---|
| Typical pricing | Low flat fee per transfer | Percentage of every sale |
| Cost on high-ticket sales | Predictable, stays flat | Climbs with the amount |
| Recurring billing | Direct debit, no expiry | Cards expire and decline |
| Funding speed | 1-2 business days | Next business day typical |
| Best fit | Subscriptions, B2B, payroll | Point-of-sale & impulse buys |
| Network rules | NACHA governed | Card brand rules apply |
Lower-cost ACH processing and electronic funds transfer designed for recurring revenue, B2B settlement and high-ticket sales.
ACH processing lets you collect payments directly from a customer's bank account over the Automated Clearing House network - the same rails behind direct deposit and bill pay. The customer authorizes a debit, we submit the entry, their bank verifies it, and funds settle into your business account, usually within one to two business days.
ACH payments typically carry a low flat fee per transfer rather than a percentage of the sale. That makes ACH processing significantly cheaper than card processing on recurring ACH payments, large invoices and high-ticket sales, where percentage-based card fees add up quickly.
Most ACH transactions settle within one to two business days. Settlement timing depends on when the batch is submitted and standard ACH network windows, and you receive clear reporting on every batch so you always know where each electronic funds transfer stands.
Yes. Recurring ACH payments are one of the biggest advantages of bank transfer payments. You can store a customer's bank mandate once and run automatic direct debit on the schedule you choose, which is ideal for subscriptions, memberships, installment plans and net-terms B2B billing.
Every ACH transaction is encrypted, tokenized and processed under NACHA operating rules. We include account verification to reduce returns and unauthorized debits, and bank-grade security protects customer data throughout the electronic funds transfer process.
Subscription companies, B2B and wholesale sellers, professional services, property managers, lenders and any business with recurring or high-ticket billing benefit most from an ACH merchant account. ACH processing also pairs well with card acceptance so you can offer customers a lower-cost pay-by-bank option.
Open an ACH merchant account and start collecting bank transfer payments with lower processing fees, recurring direct debit and reliable settlement. Approvals in as little as 24 to 48 hours.