Bank-to-bank, instead of a card swipe.
ACH stands for Automated Clearing House, the network that moves money directly between bank accounts in the United States. Instead of running a card, funds move from your customer's bank account to yours over the ACH network.
ACH is a type of EFT (electronic funds transfer), the broad term for moving money electronically. Direct deposit and most bill-pay run on ACH. Because it skips the card networks, it skips the percentage-based card fee too.
How long do ACH transfers take?
Standard ACH transfers typically settle in one to two business days, subject to standard processing and risk review. It trades a little speed for a much lower cost, which is exactly the right tradeoff on a large invoice that is not a point-of-sale moment.
For everyday in-person and online sales, cards are still the right tool. See in-person payments →
Use both. Pick the right one per payment.
ACH is not a replacement for card acceptance, it is a companion to it. Keep cards for everyday in-person and online sales, and reach for ACH on the big, recurring, or B2B payments where a card percentage would quietly eat your margin.
See the math on your invoices →Set up once, then it runs itself.
Activate on your account
ACH turns on with your existing merchant account, no separate application to fill out.
Customer adds bank details
Your customer provides their bank account once, securely, and you are ready to bill.
Transfers run on schedule
One-time or recurring, the transfers run automatically on the schedule you set.
Funds settle to your bank
Funds typically settle in one to two business days, subject to standard processing and risk review.
A flat fee, not a percentage.
ACH is priced as a low flat fee per transfer rather than a percentage of the sale, which is why it shines on large tickets. Your exact ACH pricing is disclosed before you start, and we will compare it against your real card costs so you can see the difference on your own invoices. We do not advertise "free," because ACH has a real, if small, cost.
See how pricing works →Not sure ACH saves you anything?
Send a recent statement and a recent large invoice. We will show you the card cost versus the ACH cost on that exact payment, in plain numbers, with no pressure.
ACH payments, answered.
ACH stands for Automated Clearing House, the U.S. network that moves money directly between bank accounts. An ACH payment is a bank-to-bank electronic transfer: instead of running a card, funds move from your customer's bank account to yours over the ACH network.
ZenythPay does not provide tax, accounting, or legal advice. ACH availability, transfer timing, and funding are subject to underwriting, the merchant agreement, NACHA rules, and standard processing and risk review. ACH transfers can be returned (for example, for insufficient funds or a closed account); applicable return fees are disclosed in your agreement.