A user-friendly payment process is one of the top ways to boost sales revenue. ACH-enabled bank transfers are fast, straightforward, and cost-effective. Is your website set up for ACH payments yet? We’ll discuss how to accept ACH payments from customers below and why these electronic payments are so convenient.
How do ACH payments work?
ACH payments are a simple form of EFT, or electronic funds transfer . When a customer wishes to make a payment for goods or services, they can transfer the funds directly from their bank account to your business bank account. The funds are delivered via the ACH (Automated Clearing House) network for a quick and easy transfer process. While this might sound similar to a debit card payment, the transaction is processed differently.
Benefits of accepting ACH payments
What are some reasons to accept ACH payments? Here are a few of the key benefits to consider:
1. They’re cost-effective.
Credit and debit card processing might be convenient, but it often comes with high flat fees per transaction. ACH payments are processed in batches, which lowers the flat rate per transfer.
2. They’re convenient.
Electronic payment processing typically takes about three days for the funds to clear to your account. Although it’s not the speediest method, it’s faster than paper check processing. And when credit card transactions go wrong, the funds can get tied up for weeks on end. This makes ACH payments more reliable and convenient.
3. They’re secure.
The ACH network is tightly regulated, connecting US financial institutions with many layers of security. There are clearly defined reasons for disputing ACH charges compared to credit card charges, which can be disputed for any reason.
4. They enable recurring payments.
If your business provides regular or subscription services, ACH payments allow your customers to set up a billing schedule for simple recurring payments.
How to accept ACH payments
If you’re intrigued by the benefits outlined above and are ready to learn how to accept ACH payments from customers, here’s a step-by-step rundown:
Step 1: Create an ACH merchant account.
The first order of business is to set up your own ACH merchant account. This gives your business access to the ACH network, enabling direct withdrawals from customer bank accounts. You’ll need to provide basic details including:
Estimated processing volumes
Certification of incorporation
Proof of company address
Valid ID for company owners
Step 2: Request customer authorization.
Once you’re set up with a merchant account, the next step is to request authorization from your business customers. This can be compared to the signature on a paper check. Some examples of authorization include things like:
Verbal agreement over a recorded phone message
Signature on a written order form
Step 3: Set up the payment.
Whatever the method of authorization, it should also include relevant payment details, including the bank name, account type, account number, routing number, and customer name. You’ll only need to take these once for recurring payments. Account information can be verified using tools like microdeposits, ensuring the account details are correct before taking a larger payment.
Are you wondering how to accept ACH payments on your website? Speak to your account provider about setting up a payment gateway that includes a specialty webform for ACH transactions.
Step 4: Submit your payment details.
With authorization complete and payment details taken, the final step is to input them into the ACH system. You’ll do this either through a website payment gateway, processing software, or other third-party method.
The full process typically takes between three to five business days, including transaction verification and funds clearance.
The best ACH payment processing for small businesses
There are plentiful third-party ACH processors out there to choose from. The best ACH payment processing for small businesses will depend on the company’s individual needs. Here are a few factors to help steer you in the right direction:
Compare fees carefully, including insufficient funds and chargebacks
Look for easy website integration with a payment gateway
Ensure the set-up process is easy both for your business and its customers
Finally, don’t forget to speak to your bank first. Many large banks will help you figure out how to accept ACH payments without the assistance of a third-party processor.
We can help
GoCardless helps you automate payment collection, cutting down on the amount of admin your team needs to deal with when chasing invoices. Find out how GoCardless can help you with ad hoc payments or recurring payments .
GoCardless is used by over 60,000 businesses around the world. Learn more about how you can improve payment processing at your business today.
While ACH payments and electronic transfers are ways of transferring money between two accounts, there are some differences between them. Electronic transfers are processed in real-time, instead of ACH payments, which are processed in batches three times a day. As a result, it is certain that the transfer funds arrive at the transfer on the same day, but ACH the funds can process several days. So now will talk about stores that accept ach payments.
Related To Stores that Accept ACH Payments:
- Hotels That Accept ACH Payments
- How To Receive ACH Payments
- Cash App ACH Payment
- Receiving Large Payments Through PayPal
Disclosure: This post contains affiliate links and I will be compensated when you make a purchase after clicking on my links, there is no extra cost to you
What is an ACH Payment?
ACH stands for Automated Clearing House, the U financial network used for electronic payments and cash transfers. Called “direct payments,” CA payments are a way to transfer money from one bank account to another without paper checks, credit card networks, bank transfers or cash. The amount of ACH payment is constantly growing. BUT the network processed more than 25 billion electronic payments in 2016, which amounted to $ 43 billion, an increase of more than five percent compared to 2015.
As a consumer, you are probably already familiar with payments BUT, although you may not be familiar with jargon. If you pay your bills electronically (instead of writing a check or entering a credit card number) or receive a deposit directly from your employer, the network is likely to be working.
12 stores that accept ACH payment:
- Connecting appliances
- B&H Photo Video
- Brandy Melville
- Foot blocker
- Fry Electronics
- Smart bargains
- Vista print
How to accept ACH payments in your small business
ACH transfers are examined and deposited in a fixed fee. (We also use Payment processing to pay employees through Square Payroll and to deposit funds into vendor accounts through Square Capital).
ACH square deposits are available as soon as the next business day. If you’re daily closing is set at 5 p.m. PT (the default) or earlier, your funds will enter your bank account the next business day. If the closing of your day is resolved after 5 pm. PT, your funds will enter your bank account within two business days. Get more information about tracking your deposits.
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Jotform offers 30+ payment integrations including PayPal, Square, and Stripe ACH — so you can collect payments and donations online, with no extra fees!
If you aren’t accepting ACH payments already, now is a good time to start. ACH payments increased by 8.7 percent between the fourth quarters of 2017 and 2018, and the ACH Network reported its largest annual growth rate in 12 years in 2019.
ACH is the most well-established payment infrastructure in the United States. ACH payments are so common that your customers probably use this payment method already, even if they don’t recognize the term. Common electronic fund transfers made via the ACH Network include Direct Deposit for paychecks, e-check payments, and recurring bill payments deducted automatically from a checking account.
If you want to accept ACH payments, here’s what you need to know.
What site operators need to accept ACH payments online
To start accepting ACH payments on your website, you need to do two things:
- Set up a merchant account for your bank to interact with the ACH Network. A merchant account is a specialized commercial bank account that allows sellers to accept credit and debit cards. Usually, but not always, a merchant account can also plug into the ACH Network, so be sure to choose a provider who is affiliated with the ACH network.
- Integrate an ACH-ready payment gateway into your site. While your merchant account allows you to accept ACH payments, you still need a simple and safe payment gateway for customers to provide payment information. Payment gateways are software packages that integrate into your site or come pre-integrated on your e-commerce platform. They protect your customers’ financial information and transmit secure payment details to the payment processor.
Accepting ACH payments without an independent merchant account
Many leading payment gateway providers offer both merchant accounts and processing services. A few of the systems allow you to accept ACH payments through your website simply by checking the right boxes.
A few of the major payment gateways that accept ACH payments alongside credit and debit cards include Authorize.Net (through add-on service eCheck.Net), Stripe (with instant customer verification from Plaid), and BluePay. Some hybrid gateways, like Dwolla, only support ACH payments.
When choosing a payment gateway, ease of use for both you and your customers is key. With Jotform’s ACH integrations, customers can easily make ACH payments.
An ACH authorization form for websites
A successful ACH payment integration for a B2B company
Digital branding and design company Delt recently decided to abandon credit card payments in favor of ACH transactions. According to Matt McKenna, founder and head of design at Delt, this change saves the company about $400 per month in credit card processing fees.
Some Delt customers pay a fixed monthly fee, while others make one-time payments. The business uses two integrations to allow clients to pay online through the ACH Network, McKenna says.
“For our ongoing clients who pay us a fixed fee monthly, we use a combination of our accounting software, Xero, and a payment gateway that specializes in ACH payments, GoCardless,” McKenna says. “For clients not set up on autopay, we integrate a Stripe gateway that only accepts ACH payments into their project dashboard.”
If you’re ready to accept ACH payments in your online business, take McKenna’s story as encouragement that all you have to do is choose the right payment partners.
Getting paid for what you do—performing services and/or selling goods—is just as important as what you do. Simplifying and expediting the process of getting paid makes good business sense. Understanding how Automated Clearing House (ACH) payments work can really benefit your business.
What are ACH payments?
ACH is a network that allows funds to move electronically from bank to bank. Payments owed to you are pulled from customers’ checking accounts and are deposited directly into yours. According to Nacha, the organization that governs the ACH Network, there were 26.8 billion payments through the ACH network in 2020, totaling $61.9 trillion.
ACH can be used to receive payments—money owed to you—or to pay your bills. For example, nowadays more and more employees receive their paychecks through ACH payments. With that being said, ACH is used primarily for B2B transactions.
What are the benefits of accepting ACH payments?
Instead of waiting for a check or using plastic to get paid, ACH offers a number of benefits to consider:
- Improved cash flow: With ACH, payments are sent directly to your business bank account. There’s no need to wait for a check to clear. Technically, ACH payments could take 3-5 days for verification purposes, but typically, a transaction is settled in 1-3 days and some even settle in a day or overnight.
- Convenience: ACH payments free up your time, giving you more hours to devote to running your business. You don’t need to waste time—whether in person or via a mobile phone—to deposit a check, ACH payments are automated. If you have regular customers, you can schedule payments, so you set it and forget it.
- Cost savings: ACH payments are usually free, although some banks may charge a modest fee for transferring funds to different banks. Whichever the case, it’s less costly than accepting payments through credit cards, which have high transaction costs. Similarly, some business bank accounts may charge each month for check deposits.
- Security: ACH payments offer considerable protection against fraud. In comparison, checks sent to you by mail can be intercepted by thieves. Unlike credit card payments which can easily be reversed (“chargebacks”) when customers raise disputes, you have greater comfort in keeping your money with ACH payments. With ACH payments it’s hard for a customer to dispute a payment.
How to accept ACH payments
While the terminology of ACH may be unfamiliar, the process of accepting payments from customers is quick and easy. The first thing you need to do to accept ACH payments is set up a merchant account via your business checking account.
This requires you to obtain 3 things from your customer:
- The customer’s name (the name on the customer’s bank account)
- Bank account number
- The bank's routing number
Even though ACH payments are more secure than checks (JP Morgan reported that for 2019, 74% of all organizations experienced check fraud), some vendors may still be reluctant to provide you with their information. They might be unfamiliar with the ACH payment process or they may fear a data breach that will expose their banking information. It may take some educating on your part to convince these vendors of the security of ACH payments, but this is the direction that businesses are moving to.
If you want to pay your bills using ACH, Melio can allow you to do so easily. You don’t even need a special Melio account. All you need to do is follow these three easy steps:
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Even though there are many benefits, accepting ACH payments—that is, payments where you charge a bank account directly—has traditionally been pretty difficult. Doing so has generally involved baroque, legacy APIs. There’s additional complexity compared to credit cards because the transaction amounts are typically larger and authorization is subtler. Still, being able to handle ACH payments with Stripe has come up a lot as a feature request over the years. And so, today, we’re delighted to launch support for ACH payments for all U.S. Stripe users.
Our ACH support is tightly integrated with the rest of Stripe. You can, of course, directly create one-off transactions and manage them within the Dashboard. You can also charge for subscriptions (as Slack or Digital Ocean do), while companies using Connect (like Fancy or Tilt) can accept ACH payments on behalf of their customers. No matter what sort of payments you’re dealing with, the reporting pipeline is fully unified with credit card transactions.
Simplifying setup and verification
Our ACH support comes with two key additional features: built-in support for micro-deposits and optional instant verification with Plaid.
With micro-deposits, we send two unique amounts to a customer’s bank account so that your customer can verify their account by entering the amounts they see on their statement.
Alternatively, we’ve worked with Plaid on an integration that provides instant bank account verification. If you choose to use it, your customers can authenticate directly with their bank in real-time—no digging around for routing numbers. (This process also prevents most of the common errors of mistyping bank account numbers or incorrect routing numbers.)
From a technical perspective, ACH is another type of source for a customer. It’s easy to create an ACH charge once your customer authenticates:
ACH payments on Stripe cost 0.80%, capped at $5, with no monthly fees or verification fees. So, a $100 payment incurs a $0.80 fee; any payments above $625 cost $5. This can be especially useful if you routinely charge customers large amounts on a recurring basis. (If you’re operating at scale already and would like to discuss pricing, we’d love to chat.)
Update: If you’d like to authorize bank information instantly, please get in touch with our partners at Plaid for pricing.
We’re excited to make more of the financial system’s functionality accessible to developers and look forward to seeing what people build. If you’re ready to get started, we’ve created a guide for ACH payments. As always, please let us know if you have any questions or feedback!
When you run your own business, you discover a strange contradiction: that taking payments is both the most important and among the most challenging parts of your business. You have to manage credit card payments, figure out online terminals, juggle invoices, and take checks to the bank. What if we told you there was a way you could handle all of that with one process that will get you your money faster and cheaper?
Accepting ACH payments can help you get payments processed as quickly as the next day after you take the payment, and for less than a dollar per transaction. Read on to learn more about how to accept ACH payments on your website and the benefit they can bring to your business.
What Are ACH Payments?
ACH stands for automated clearing house, and it’s an option for accepting online payments. These payments transfer funds from bank to bank and can replace things like paper checks, wire transfers, and credit or debit card payments. ACH has been around since the 1970s, but according to the regulatory body for ACH payments, more than $51 trillion was transferred via ACH in 2018.
Accepting ACH payment allows businesses to pull money directly from customers’ checking accounts without compromising the security of either party. These can be set up as a one-time payment or as recurring payments, depending on your needs. You can set these up as debits (where your bank pulls funds from your customer’s account) or credits (where your customer’s bank sends money to your account).
Why Online Payments Are Important
One of the biggest reasons that you should learn how to accept ACH payments on your website is that you make it easier for customers to spend money with you. Without ever leaving their homes, or while they’re out on the go, your customers can buy your products. You can also capture the impulse buyers who look at your site out of curiosity and wind up spending money they might not have if they had to take time to go to your store.
Online payments also make it possible for you to set up recurring payments. This allows you to set up subscriptions with your customers, whether that be for things like a monthly membership or for recurring purchases. We don’t have to tell you that having this sort of guaranteed income every month can make a huge difference in the success of your business.
When you set up ACH payments, you will have to pay a processing rate. There are a couple of different options for how these rates are set: a flat rate or a percentage. If you’re already accepting credit card payments, your merchant may provide ACH processing at no extra fee to you.
If your average transactions tend to be larger, you’ll be better off going for a flat-rate processing fee rather than a percentage fee. You may also have to pay a setup fee, a monthly fee, an equipment fee, and several other fees for accepting ACH payments. Shop around and find an ACH processing merchant whose fees will best fit your needs.
Find a Processor
There are a few different types of merchants who can help you process ACH transactions. A credit card processor or merchant account provider can help you out, as can a business bank account provider. You may be able to find an all-in-one processor that handles your credit card and ACH payments, and some accounting software providers will provide these services.
If you already have a relationship with one of these types of businesses, ask them if they offer processing to accept ACH payments. If they do, find out what fees they charge for those services and if your current contract with them will cover those fees. If not, you can also look at a dedicated ACH processor.
How ACH Payments Are Processed
When you’re talking to your potential ACH processors, ask the merchant what sort of processing options they offer. There are three primary methods: a check scanner, a virtual terminal, or website payments.
Even if you accept a paper check, you can still run the check through a scanner and skip a trip to the bank.
If you have mail order payments or recurring payments, you can use a virtual terminal to input and accept ACH payments.
You can also set up a website payment page that accepts ACH payments. It may take your customers a little while to get used to inputting their bank information during a website order. But this can be a cheaper, easier way to process these payments.
Thanks to the speed of modern technology, ACH is one of the fastest payment processing options available. ACH transactions are run through batch processing and have late daily cut-off times. This means you may be able to virtually accept ACH payments on the same day you take them.
Although you can run the ACH payments on the same day, it doesn’t mean you’ll necessarily have access to those funds that day. Your bank may take a few days to process that transaction. But some upcoming changes to ACH processing may make it possible for you to get same-day or even instant deposits.
Learn How to Accept ACH Payments
Knowing how to accept ACH payments on your website can help you grow your business even more. You can set up recurring payments, reel in impulse buyers, and get payments the same day as you run transactions. Find an ACH processor whose terms suit your needs, and start reaping the benefits of cheap, quick transactions.
If you’d like help accepting ACH payments, check out the rest of our site at SeamlessChex. We can help you send and request digital checks, receive eChecks online, and accept credit card and ACH payments seamlessly. Learn more about our SeamlessMerchant product and make accepting payments easier today.
Find the Right Payment Processing Solution for You
Looking for a reliable payment processor to help you send and receive payments? Take our quiz to find out which of our payment processing solutions is right for you.
Despite the prevalence of credit and debit cards today, there are situations in which a customer will want to pay by check. The ACH (Automated Clearing House) Network provides a way for checks to be processed electronically, and usually much faster than a paper check can clear — although still a little slower than a credit or debit card. An eCheck is an electronic check, and it functions similarly to an old-fashioned paper check, only with the added convenience of automation and computer-assisted processing.
What are eCheck Payments?
eChecks are one method of transferring money from one checking account to another over the ACH network. They’re processed in a similar way as regular paper checks, but since it’s all done electronically, the transaction is much faster. In this way, eChecks function as a reliable alternative to using a debit card.
The ACH is a central network for moving money between bank accounts in the United States as well as international payments. It handles direct deposits, certain credit and debit transactions, and basically all other types of electronic transactions. Since it sends all transactions electronically, the ACH can complete vast numbers of them very quickly, saving time and costs. It has grown into a very popular, secure, and reliable system for all sizes of businesses and even government payments.
The eCommerce Advantage of ACH Payments and eChecks
The ACH operates under a strict set of rules that require all transactions to be settled within one to two business days, depending on whether the transaction is debit or credit. The advantage of this is obvious: payments go through very quickly. In fact, even though the rules state one to two business days, most ACH transactions settle on the same day they were made. Reliability and safety are also important advantages, for both buyers and sellers. Since the ACH handles eChecks, the same advantages apply.
Best ACH and eChecks Solutions for Websites
Your Shift4Shop store has built-in integration with the most popular ACH Payments and eChecks
Authorize.Net enables merchants to authorize, settle and manage credit card and electronic check transactions via their Shift4Shop websites. Since 1996, Authorize.Net has been a leading provider of payment gateway services, managing the submission of billions of transactions to the processing networks on behalf of merchant customers. Authorize.Net is a solution of CyberSource Corporation, a wholly owned subsidiary of Visa.
Govolution is a leading provider of enterprise electronic payment solutions. It offers eCheck processing, in addition to credit card processing. The company was founded in 1998 and is based out of Virginia.
Dwolla has secure, ready-to-use payment tools that simplify sending or receiving money with anyone in the U.S. Dwolla allows for an easy on-ramp to the an ACH, all with no per transaction fee.
Merchants appreciate using Dwolla as a means to collect payments from their users, as well as for efficient cost-effective disbursements. To get started moving money, create a Dwolla account and link your U.S. bank or credit union account. There is no cost to set up a Dwolla account.
SpeedChex is the fastest, easiest, and most efficient way to accept a check. As a real-time electronic check payment solution, SpeedChex gives your company a competitive edge by allowing you to take checks over the phone and the Internet.
Forte Payment Systems, founded in 1998 and based out of Texas, allows merchants to process a wide range of payment solutions, including credit card and debit card processing, ACH/eCheck origination, check verification and fraud prevention.
With Green Money secure gateway, you can create and process electronic checks, send email invoices, and even accept payments online (or integrate into your current system via API).
How do eChecks Work?
An eCheck combines the convenient aspects of a check (yes, there are some) with the enhancements afforded by electronic processing. The customer provides their routing and bank account numbers, just like with a paper check. But rather than being processed manually, the eCheck goes through the Automated Clearing House (ACH), a secure network run through the Federal Reserve.
Benefits of eChecks
eChecks process much faster than paper checks, and they also have stronger security features. There’s no risk of a returned check, since if the customer has insufficient funds, the eCheck just doesn’t go through. Deposits are made much faster as well. Out-of-state and international eChecks can be accepted safely. There’s also no limit on the monetary amount of an eCheck. In fact, the U.S. Treasury has chosen eChecks as the only means of making a large transaction over the internet. This makes eChecks perfect for online stores that sell highly priced items, although any store can accept them.
Transaction fees for eChecks are lower than fees for credit or debit cards, making them quite cost-effective. And since bank account information remains the same for the life of the account, eChecks are great for recurring payments — unlike card numbers, which change regularly. And the fact is that some customers still prefer to pay by check. eChecks allow these customers to use their preferred payment method, enhanced with extra security.
As a seller, you’ll also benefit from the extra speed and security provided by eChecks. They deposit quickly, cut down on fraud, and as mentioned above, have lower transaction fees than other methods. You’ll also be able to serve customers who prefer checks, or for whatever reason don’t have their debit card at the moment. Remember that if a customer’s card is lost or stolen, sometimes they have to wait several days to get a new one, but they may still need to make purchases before their new card arrives. By accepting eChecks, you can help customers in this situation.
How to accept eChecks
To accept eChecks on your online store, you’ll need to connect with an eCheck-processing payment gateway. If you’re using an eCommerce software with eCheck processing built in, you can have it set up in a few simple steps.
Of course, there are many other payment methods your online store could benefit from.
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ACH payments, in which funds are drawn from a customer’s bank account over the ACH (Automated Clearing House) network, offers some distinct advantages over processing paper checks. Specifically, ACH payments can save you both time and money.
While ACH seems simple, the underlying processes are actually somewhat complex, involving a seven-step process with six different entities. These entities include the Originator – the person or entity who initiates the transaction; the Orginating and Receiving Depository Financial institutions (two separate entities); ACH operators and receivers.
As you might imagine, the communication and coordination of funds across so many parties is a complicated interplay; but as a business accepting ACH payments, taking time to understand how to set up ACH payments can help to streamline the onboarding process and lower the risk of ACH rejects.
If you’re looking to get started on setting up ACH payments for your business, here are four crucial things you need to know.
1. What Your Business Needs to Process ACH Payments
In order to accept ACH payments, you will first need a merchant account with a Payment Processor, who helps to connect the various pieces that constitute an ACH transaction. While setting up a merchant account isn’t complicated, selecting the right Merchant Account Provider for your business can seem that way, due to the number of options available. From provider to provider, there are lots of variables that can affect your experience. For starters, the majority of Merchant Account Providers lock their customers into contracts that may range from two to six years, and often there are penalties for early termination. However, some offer month-to month-services. Not only does this type of provider allow you to make changes without penalties, but you may also find that a provider who has to earn your ongoing loyalty may go the extra mile to keep you happy.
As with credit card processing and other payment forms, you will also find that fees and other charges as well as payout schedules may vary, which is why you may want to do some comparison shopping.
You will also need a way to process payments via the ACH network. These include things like check scanners as well as Virtual Terminals, which securely store account details and also allow you to set up automatic payments for subscriptions and other ongoing charges.
2. What Information You Need From Customers Who Want to Pay By ACH
In order to process payments, you will also require some key information from your customers:
- Account holder’s first and last name
- Routing and account number
- Account type (checking or savings)
You are required to obtain authorization to charge or refund a customer’s bank account. In addition to the information above, such authorization should also detail the amount of the transaction, whether it is a one-time or recurring charge, and if it is recurring, the start date and frequency. Such authorization is also important because it is a key way to protect your business in the event of a dispute.
3. Common Reasons ACH Transactions Are Rejected
When ACH payments are rejected, it slows down your ability to get paid, interrupting your cash flow and even running the risk of incurring NOC (Notification of Change) charges. Two of the most common reasons for ACH rejects involve incorrect bank account numbers or incorrect transit/routing numbers. In some cases, a customer may have changed banking arrangements and forgotten to update you; in others, a bank may have changed its routing system. Either of these scenarios puts you at risk for fees.
You can reduce the risk of multiple NOC charges by looking for a solution such as PayJunction’s Virtual Terminal, which is capable of autocorrecting some banking information so that the reject does not reoccur on subsequent transactions. You may also want to institute a fee policy that incentivizes customers to promptly update their account information by penalizing rejects, as you might incur non-sufficient funds fees for paper checks. Just make sure to be transparent so that customers are not surprised should they incur a fee.
4. How to Set Up Recurring Transactions
One of the many advantages ACH can offer over paper checks is that it can reduce some of the key pain points of managing recurring payments. Collecting payment on an ongoing basis can involve a great deal of manual work – you have to keep track of what is due and when, ensure the check has been received on time, and then go to the bank to make a deposit – every time. But you can eliminate all that hassle by setting up recurring transactions. This means you can set up a transaction once, and be assured it will be processed automatically moving forward on the schedule of your choosing – just don’t forget to ensure that your customer authorizes recurring ACH transactions and not a one-time payment.
Learn more about recurring ACH payments.
Have you set up ACH payments for your business? Was it simpler, harder or just how you expected it to be? Share your experience below.