ACH processing pricing and fees.
ACH pricing from $0.15 per transaction.* ACH is often 50x cheaper than cards.
*Final pricing is set at underwriting.
Fee calculator
Per monthCard fees vs ACH with ACHQ
You keep $5,830 a month
$69,960 a year in fees you stop paying.
ACHQ shown at $0.15 per transaction. Final pricing is set at underwriting.
How ACH processing pricing works
Simple: a price per ACH transaction, and settlement as fast as same day.
Priced per transaction
You pay per ACH transaction, starting at $0.15.
Set at underwriting
Your rate depends on your business type, volume, and risk. Final pricing is set at underwriting.
As fast as same day
Standard ACH and Same Day ACH, so time-sensitive payments can move faster.
ACH vs credit card fees
Card fees grow with every dollar. Here is the same payment on a card and on ACH at ACHQ's starting price.
| Payment | Card (2.9% + 30¢) | ACH with ACHQ |
|---|---|---|
| $100 payment | $3.20 | From $0.15* |
| $1,000 payment | $29.30 | From $0.15* |
| $5,000 payment | $145.30 | From $0.15* |
| $15,000 payment | $435.30 | From $0.15* |
*Final pricing is set at underwriting.
ACH pricing questions
How much does ACH processing cost?
ACH pricing at ACHQ starts at $0.15 per transaction. Final pricing is set at underwriting.
Are ACH fees cheaper than credit card fees?
Yes. Cards typically cost 2.9% + 30¢ a payment, so a $1,000 card payment costs about $29.30 in fees. ACH at ACHQ starts at $0.15 per transaction.
Why isn't there one flat rate?
ACH carries underwriting risk that varies by industry, return rate, and volume. Pricing reflects that. Higher volume merchants and lower-risk verticals get better rates because the unit economics work for both sides.
What is an ACH merchant account?
An ACH merchant account lets your business pull payments from customer bank accounts. You apply with ACHQ online, we underwrite your business, and your rate is set at underwriting.
How fast does ACH settle?
As fast as same day. ACHQ offers standard ACH and Same Day ACH for payments that need to move faster.
Can I switch from my current ACH processor?
Yes. Apply online and tell us about your current setup, and we will plan the move with you.
Move money cheaper, faster, and with fewer headaches.
Apply for an ACH merchant account online. Complete applications often get a decision within hours.