For invoices, retainers, rent, dues, and recurring billing, ACH does the same job as a card at a tiny fraction of the cost. Most businesses never add it because nobody ever showed them how simple it's become.
Recurring clients, big invoices, B2B relationships — payments where nobody needs points or fraud protection still ride 2.5–3.5% card rails by default.
Cards expire and get reissued constantly; bank accounts don't. Card-based recurring billing has a built-in failure rate ACH simply doesn't have.
Paper checks avoid processing fees and replace them with deposit runs, NSF surprises, 10-day waits, and 'the check is in the mail.' Float is a fee too.
A business collecting $100k/month from recurring clients on cards pays roughly $30–36k/year in processing. The same volume on ACH typically costs a tenth of that or less. No negotiation, no switching battle — just offering a second button. Businesses with invoice-style revenue that haven't added bank payments are running the single most fixable overpayment in the industry.
The old objections were real: paper authorization forms, manual entry, multi-day mystery settlement, NSF risk. Modern ACH platforms killed most of it — instant bank verification (customers log into their bank, no voided checks), digital authorizations, automated retries, and settlement timelines that fit normal billing cycles.
The strategy isn't replacing cards — it's choice architecture. Offer ACH as the free or discounted option beside cards on every invoice and signup, and let big or recurring payments migrate naturally. B2B customers in particular often prefer paying from the bank account anyway; you've just never made it the easy path.
We match you with processors whose ACH platforms fit your billing workflow — invoicing integrations, recurring schedules, verification tooling — usually alongside fixing your card pricing in the same pass, since you'll keep cards for the customers who want them.
A short set of questions about your business, your volume, and your situation. No documents needed yet, and nothing touches your credit.
Free • No hard credit pullA placement specialist reviews your answers against our processor network and walks you through the realistic options — which underwriters fit your profile, at what terms, and why.
No obligation • Plain EnglishOnce you pick a direction, we help you prepare and submit the application so it lands right the first time — and we stay with you until you are approved and processing.
Hands-on until you are liveA single processor can only offer you their box. We map your profile across an entire network and show you where you actually fit best.
Approvals are not luck. They are about presenting the right business, the right way, to the right desk. That is the part we do every day.
Blind applications create declines on your record, and declines make the next approval harder. We aim you once, at the right target.
Matching is half the job. We help with the application, the documents, and the follow-up until money is actually hitting your account.
When we place you with a processor, that processor pays us a referral fee. You don't pay us anything — not for the survey, not for the call, not for the application help.
Here's why that works in your favor: we work with dozens of processors, so we have no reason to push any particular one. And we only keep getting paid if you stay with the placement — a merchant who leaves in 90 days costs us money. Our incentive is literally to set you up to win. If we can get you to win, we win too.
NSF returns are ACH's known weakness, and modern tooling mostly tames it: instant bank verification confirms accounts and balances before the first pull, and automated retry schedules recover most returns. For recurring relationships the risk profile is excellent — these are customers you know.
Standard ACH settles in 1–3 business days, with same-day options for a modest premium. For recurring and invoice billing — which is exactly where ACH belongs — that timeline disappears into the billing cycle. We'll be straight about where speed matters and where it doesn't.
With the right nudge, heavily. A fee-free ACH option beside a card option (or a small discount for bank payment) moves a large share of invoice volume on its own. B2B payers often switch immediately. We'll help you structure the offer so adoption does the work.
No. The call is a working session: we review your survey answers, show you which processors realistically fit your profile, and explain the trade-offs. If none of the options beat what you have, we will tell you that and part as friends. Pressure placements come back to bite us — merchants who feel pushed do not stay, and we only get paid when you stay.
The survey and the alignment call involve no credit check at all. A credit check only happens if and when you decide to submit an actual application to a processor — and we will tell you exactly when that step is coming, before it happens.
Nothing. Processors pay us a referral fee when a placement succeeds and sticks. You will never get an invoice from us.
Three minutes on how you bill today. We'll show you what your recurring and invoice volume costs on cards versus ACH — and the platform that makes offering both effortless.
Add ACH to My Business