White label ACH payments for software platforms and ISOs.
Embed ACH under your own brand, or just refer merchants and let us do everything. ACHQ underwrites every merchant, runs the processing, and answers the phone. You do as much or as little as you want.
Partner program
How much ACHQ handlesFrom full white label to simple referral
- Your name on every screen
- ACHQ behind the scenes
- HTTPS API and sandbox
- Merchants apply in your flow
- ISOs, agents, resellers
- No merchant liability
Every merchant underwritten by ACHQ.
Why software platforms and ISOs work with ACHQ.
You bring the merchants. We bring the ACH processing, the underwriting, and the people who pick up the phone.
ACH is cheaper than cards
For your merchants, ACH is often 50x cheaper than cards. That makes it an easy sell.
Decisions within hours
Complete merchant applications often get a decision within hours. Every merchant is underwritten by people who know ACH.
Real people answer the phone
Call and a person picks up during business hours. Bigger partners can get a shared Slack channel with our team.
White label or referral
Run ACH under your own brand, embed it in your software, or just send us merchants. You pick how much you take on.
Built for developers
A documented HTTPS API, a sandbox to test in, and a web portal for batch uploads. Merchants can bring their own Plaid processor token.
No merchant liability for ISOs
When ISOs and resellers refer business, the liability sits with ACHQ. You bear no liability in the relationship.
For software platforms
White label payment gateway for software platforms.
Add ACH payments to your software without becoming a payments company. Your merchants get paid by bank inside the product they already use. ACHQ underwrites them, processes the payments, handles returns, and supports them as much or as little as you want.
Full white label
Your brand on every screen
ACHQ stays behind the scenes
- White label ACH payments under your name
- One integration covers every merchant
- ACHQ underwrites, processes, and settles
Embedded payments
Payments built into your software
HTTPS API with a sandbox to build in
- Merchants apply inside your flow
- Merchants can bring their own Plaid processor token
- Web portal for batch uploads too
Referral
Send us merchants, we do the rest
No integration needed
- ACHQ onboards and underwrites
- ACHQ processes and supports
- You keep the relationship
How the ACH partner program works.
- 01
Apply
Five-minute application. Tell us about your software or the merchants you work with.
- 02
Agree how we work
White label, embedded, or referral. We agree on who does what, and ACHQ does as much or as little as you want.
- 03
Onboard merchants
Every merchant applies and is underwritten by ACHQ. Complete applications often get a decision within hours.
- 04
Get paid
Your merchants get paid by bank for less than cards cost them, and you earn on the merchants you bring.
For ISOs, agents, and resellers
ACH ISO and reseller program. Earn for life.
Refer merchants and earn residuals on every active merchant you bring, for life. ACHQ underwrites them and runs the processing. You are referring business, so you bear no liability in the relationship.
Earn for life. Apply as an ISOResiduals paid on active merchants in good standing, per the ACHQ ISO partner terms.
- Lifetime residuals on active merchants you refer, paid monthly
- The most competitive revenue share in payments
- No clawbacks on legitimate accounts
- The liability sits with ACHQ, not you
- Every merchant underwritten by ACHQ
- ACH is cheaper than cards, an easy add for your book
- A real person answers when your merchants call
- Shared Slack channels for bigger books
- High-volume partners: co-branded materials, marketing assets, and deal registration
- High-volume partners: a dedicated channel manager and a live portfolio dashboard
- Most partners activated within 5 business days
ACH partner program FAQ
What is a white label payment gateway?
A white label payment gateway lets a software company offer payments under its own brand while a processor runs the payments behind it. With ACHQ, your merchants take ACH payments inside your product, and ACHQ handles underwriting, processing, returns, and support.
What are embedded payments?
Embedded payments are built into software a business already uses, so it never has to leave that software to get paid. ACHQ provides the ACH side through an HTTPS API, with a sandbox to build and test in.
Do I need to be a registered ISO to work with ACHQ?
No. ACHQ works with ISOs, agents, resellers, payment consultants, and software platforms. Tell us how you sell and we will set up the right structure.
How do ISOs and resellers earn?
You earn lifetime residuals on the active merchants you refer, for as long as they stay in good standing and keep processing. Your terms are set in your partner agreement before you send your first merchant.
Who carries the liability on merchants I refer?
ACHQ. When you refer business, the liability sits with ACHQ and you bear no liability in the relationship. That is why every merchant goes through ACHQ underwriting.
Do my merchants apply to ACHQ?
Yes. Every merchant completes an application and is underwritten by ACHQ. Complete applications often get a decision within hours.
Who supports the merchant after I refer them?
Your call. You can stay the main contact, or ACHQ can take support entirely. When a merchant calls, a real person answers.
Is ACH cheaper than cards for my merchants?
Yes. Cards typically cost 2.9% + 30¢ a payment. ACH at ACHQ starts at $0.15 per transaction. Final pricing is set at underwriting.
Apply to the ACH partner program.
Five minutes to apply. We review every application personally and respond within one business day.
- Software platforms: white label, embedded, or referral
- ISOs and resellers: residuals and no merchant liability
- A real person reviews every application
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