ACH Payment Options

A different payment method needs its own review

ACH is a U.S. network used for electronic bank payments. It is separate from card processing, with its own requirements and return processes. Adding ACH should begin with a discussion of the transactions you want to collect, how customers authorize them, and how your team will handle exceptions.

Explore ACH options with our payment processing partners. A specialist can review your billing process, authorization requirements, and account fit. ACH eligibility is reviewed separately from card-processing eligibility.

Describe the billing process you need

Give the specialist a practical example of the payment flow: who pays, what they are buying, how often they pay, and how you obtain permission. Mention the software you use to invoice or manage customer accounts.

• One-time invoices or repeat customer payments
• Business-to-business or consumer transactions
• Expected payment amounts and monthly volume
• Online, telephone, or other intended authorization channels
• How refunds, failed payments, and customer requests are handled

Confirm the operating details

Ask the prospective provider to explain required authorization records, account verification, processing limits, fees, and the timing of funds availability. Request a clear explanation of returns and the notifications your team will receive.

A submitted payment is not a guarantee that funds are final. Build your fulfillment and customer-service workflow around the provider's written guidance. Any proposed ACH service is subject to approval and its own agreement.