eCheck and ACH processing
Move money directly between bank accounts — useful for large tickets, recurring invoices and customers who prefer not to use a card.
When a bank transfer beats a card
ACH transactions are priced very differently from card transactions. For a business invoicing thousands of dollars at a time, or billing the same customer every month, moving those payments off cards can change the economics of the whole account. The trade-off is settlement time and a different set of return codes to manage — both of which we set up with you.
How the setup works for your account
Flat-fee pricing model
ACH is commonly priced per transaction rather than as a percentage, which matters most on large tickets.
One-time and recurring debits
Charge a single invoice or run a scheduled debit against an authorised account.
Return handling
Insufficient funds, closed accounts and revoked authorisations come back with codes; we help you build a retry and notification process.
Authorisation records
Store proof of the customer's consent, which is what protects you if a debit is challenged.
How it works
Collect authorisation
The customer supplies routing and account details and agrees to the debit in writing or through a recorded process.
Submit the entry
The debit is submitted into the ACH network in the next batch window.
Settlement
Funds typically settle in one to several business days depending on the service level on your account.
Common questions
On large tickets, usually yes, because ACH is normally priced as a flat fee per item instead of a percentage. On small tickets the difference narrows.
Slower than cards. Standard ACH settles in a small number of business days. Same-day options exist on some accounts.
You receive a return code explaining why. Some returns can be retried; others require you to contact the customer. High return rates can put an account under review.
See what your processing should actually cost
Send a recent statement, or your monthly volume and average ticket. You get a written breakdown back — no commitment.