Solutions
Accept ACH payments online.
One-time business ACH payments, recurring ACH billing and direct debit, and eCheck processing, with bank account verification built in. Everything a business or software platform needs to get paid by bank.
ACH activity · sample
TodayCustomer subscription
ACH credit · recurring
+$540.00
completedStorage unit rent
ACH credit · monthly
+$2,890.00
completedRefund issued
ACH debit · cust #4721
-$148.50
completedB2B invoice
eCheck · captured
+$12,450.00
completedMonthly HOA dues
Recurring · pending pull
+$3,200.00
pendingDaily settlement
Net deposit
+$5,225.20
completedWhat we do
ACH payments, bank verification, and an ACH payment gateway.
Pick what you need. Every account is underwritten by people who know ACH.
Payments
ACH, recurring, and eCheck payments
Pull payments straight from a customer's bank account. One-time payments, recurring ACH billing and direct debit, and eCheck processing, all in one account.
Verification
Bank account verification
Verify and validate a bank account before you pull from it. Works with your own Plaid processor tokens. Cuts NSF returns by up to 70%.
Gateway
ACH payment gateway and API
Upload payments in batches from the web portal, or build them into your software with the ACH API. Developers get a sandbox to test in. Live in days.
How it works
How ACH payments work with ACHQ
Get the customer’s authorization
Your customer agrees to pay by bank, online, on paper, or over the phone. Nacha rules require it for every ACH debit, and we help you set it up right.
Verify the bank account
Check that the account is open and the customer is on it before you pull a dollar, so fewer payments come back.
Send the payment
Enter it in the web portal, upload a batch, or send it through the ACH API. Recurring payments run on the schedule you set.
Get paid and track it
Funds settle to your bank account, as fast as same day with Same Day ACH. Every payment and return shows up in your reports.
Who it's for
Businesses that use ACH payments
If your customers pay you the same amount every month, or pay large invoices, ACH keeps more of every payment in your account.
Property management and HOAs
Rent, HOA dues, and deposits
Schools and childcare
Tuition and weekly care fees
Gyms and memberships
Monthly membership billing
Self storage
Unit rent on autopay
Insurance agencies
Premiums and payment plans
Lenders
Loan payments and payoffs
B2B companies and distributors
Large invoices without card fees
Churches and nonprofits
Recurring giving and pledges
Law, dental, and medical offices
Retainers and payment plans
Taking checks today? See eCheck processing. Building software? See the partner program.
ACH payments FAQ
How do I accept ACH payments from customers?
Open an ACH merchant account with ACHQ, get your customer’s authorization, and send payments from the web portal, a batch upload, or the ACH API. Complete applications often get a decision within hours.
What is the difference between ACH and eCheck?
An eCheck is an ACH payment that starts from check details. The customer gives you their routing and account number online or by phone, and the payment runs over the ACH network like any other ACH debit.
Can I set up recurring ACH billing?
Yes. Collect rent, dues, tuition, premiums, and memberships on a schedule under one customer authorization. Recurring ACH billing is also called ACH direct debit or autopay.
How long do ACH payments take?
As fast as same day. ACHQ offers standard ACH and Same Day ACH for payments that need to move faster.
What does it cost to accept ACH payments?
ACH pricing from $0.15 per transaction, and ACH is often 50x cheaper than cards. Final pricing is set at underwriting.
Can my software platform offer ACH to its customers?
Yes. Software platforms can offer ACH under their own brand, or just refer merchants to ACHQ. See the partner program.
Move money cheaper, faster, and with fewer headaches.
Apply for an ACH merchant account online. Complete applications often get a decision within hours.