ACH and eCheck processing that doesn’t bounce back on you
Bank payments cost less than cards and suit recurring and high-ticket billing. They also come with returns that can quietly pile up. We set up ACH properly and watch your return rates for you.
Who this is for
- Subscription and membership businesses
- Large invoices and payment plans
- Merchants looking to lower card fees
- Businesses that need a backup to card processing
Lower cost per payment
ACH pricing is usually a small flat fee rather than a percentage, which matters most on large tickets.
Returns, watched daily
Insufficient funds, closed accounts and unauthorized returns all count against you. Our platform tracks returns by reason code and flags the patterns behind them.
A second payment rail
If a card account is ever held, ACH keeps money coming in. We set it up alongside your card processing before you need it.
ACH & eCheck processing: common questions
How long do ACH payments take to settle?
Typically one to three business days, depending on the provider and whether same-day ACH is used.
What is an ACH return?
A payment the customer’s bank sends back, for reasons like insufficient funds, a closed account or an unauthorized debit. High return rates bring scrutiny, so we watch them for you.
Also from PaymentHelp
Talk to a payments consultant
Tell us about your business. We’ll tell you which processor fits, what it should cost, and how we’ll keep it optimized after you’re approved.