The ACH network is a U.S. electronic system connecting banks and credit unions to move funds between bank accounts, enabling direct deposit of payroll and other transfers.
Reliable ACH payment solutions for all industries
ACH payments and eChecks offer online merchants a low-cost, reliable alternative to credit cards. By avoiding credit card networks and their fees, ACH payments help you retain more revenue and reduce fraud risks.
Reduced fees
ACH processing fees are lower than credit card fees, saving you money on every transaction.
Faster funding
ACH transactions settle faster, providing you with quicker access to funds when compared to paper checks.
Lower risk
ACH payments offer greater security and lower chargeback risk compared to credit card payments.
How it works
Enable ACH payments
Enable ACH payments
in 3 easy steps
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Apply online within minutes
Our quick online application for ACH payment solutions takes less than 10 minutes — secure and straightforward.
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Get an instant quote
Once your application is submitted, an expert underwriter will review your details and provide a processing limit, with daily updates to keep you informed.
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Start processing
Ready to go live? Our dedicated support team will help you set up your payment gateway so you can start accepting payments without any delays.
Apply for a high risk merchant account in under 10 minutes
and get an instant quote.
Our solution
ACH payments with TailoredPay
ACH processing requires more than just the basics. TailoredPay
enhances security and streamlines your payments.
Basic ACH Processing
- Slow processing
- Fixed fees
- Fixed limits
- Few integrations
- No recurring billing
- Limited analytics
Tailored ACH Processing
- Rapid transaction clearance
- Tiered, volume-based pricing
- Flexible transaction limits
- Multi-platform compatibility
- Recurring billing
- Analytical insights
Pricing
Industry minimum rates, guaranteed.
We guarantee to beat any payment processing rate offered by a qualified competitor. If you find a lower rate for comparable services, simply show us the offer and we will beat it while providing you with the same high-quality service and features that set us apart.
How can we help you?
(888) 599-6482We support you at every stage — from onboarding to deployment — offering 24/7 assistance via phone, email, and chat. Access additional resources directly in your dashboard and benefit from personalized recommendations to help your business grow.
Frequently asked questions on automated clearing house processing.
An ACH debit is when a business or other originator pulls funds from a bank account via the ACH network, whereas direct deposit is an ACH credit that sends funds into a bank account from an employer or payer.
In an ACH transfer the ODFI sends the payment instruction into the ACH network on behalf of the originator, and the RDFI receives the instruction and credits or debits the recipient’s bank account.
Same-day ACH allows funds to be settled on the same business day through the ACH network, which means businesses and financial institutions can complete transfers faster than traditional multi-day batches.
Credit unions and other financial institutions participate in the ACH network to process direct deposits, recurring bill payments, and merchant collections, making it a core part of their payment services.
ACH processing supports recurring payments by enabling automatic debits or credits from bank accounts under the ACH network rules, which helps streamline business operations and reduce reliance on checks.
Transactions routed through the ACH network are settled in batches via the Federal Reserve’s settlement service among banks and credit unions, which ensures funds move between participating institutions even though not always in real time.