Best for
- High-ticket merchants ($500+ AOV) where card processing eats margin
- B2B invoicing, coaching, and consulting with recurring billing
- Subscription merchants supplementing card with ACH to control chargeback ratio
- Debt collection, credit repair, and financial services where ACH is the preferred rail
How it works
ACH (Automated Clearing House) moves money directly between bank accounts via the US Federal Reserve's ACH network. For a high-risk merchant, ACH does two things: it dramatically reduces processing cost (a $1,000 ACH costs ~$0.50; the same $1,000 on a card costs $30–$70), and it removes the card-network chargeback exposure that constrains card volumes.
ACH "returns" still exist — insufficient funds (R01), stop payment (R08), unauthorized (R10) — but the dispute window is shorter (60 days for unauthorized, 2 days for authorized) and the consumer-facing dispute process is less aggressive than card chargebacks. For high-ticket B2B and recurring-bill merchants, this changes the unit economics meaningfully.
What's included
Funds settle same-business-day for transactions submitted before the 10:30am, 2:45pm, or 4:45pm ET windows.
WEB (internet), PPD (consumer recurring), CCD (B2B), and TEL (phone) authorization templates included.
Plaid / Finicity instant verification, or micro-deposit fallback for customers without supported banks.
Recurring debit schedules with intelligent retry on R01 (NSF) returns.
Real-time return notifications and automated retry / dunning workflows.
Per-transaction pricing $0.25–$0.75 vs. card percentage rates — a major win on high-ticket sales.
Pricing
ACH pricing ranges $0.25 – $0.75 per transaction (high-risk verticals price toward the upper end), with optional 0.5%–1.0% on high-ticket transactions to cover return reserve. No interchange. No card-network fees.