Simplify Bank-to-Bank Payments
Accept ACH and eCheck payments through a secure, flexible platform built to simplify collections, support recurring billing, and improve payment efficiency across online, phone, and back-office channels.
Works for standard & high-volume merchants
Outgoing
ACH Transfer
Transfer Amount
$12,480.00
Initiated 14:32 EST · Settlement by Wed, 4:00 PM
From
Acme Corp
**** 4521
To
Vendor LLC
**** 8902
Settlement Timeline
3 of 4Initiated
Processing
Cleared
Settled
Trusted across industries that depend on bank-grade reliability
Live
ACH Pipeline
Initiated
Submitted today
142
$284.5K
Processing
Routing through ACH
86
$172.1K
Cleared
Funds confirmed
1,056
$1.94M
Today
1,284
Volume
$2.4M
Cleared
99.6%
Simplify ACH Payments, Verification, and Collections
ACH payment processing gives businesses a practical way to collect funds directly from customer bank accounts for one-time payments, scheduled billing, and ongoing collections.
With Virtual Check, you can centralize ACH acceptance into one streamlined workflow so your team can reduce manual effort, improve payment visibility, and create a smoother customer payment experience.
ACH Processing Key Features
ACH and eCheck Acceptance
Accept bank account payments for one-time transactions, scheduled payments, and ongoing customer billing.
Recurring Billing
Set up recurring ACH payment workflows for subscriptions, installment plans, memberships, and account collections.
Virtual Terminal & Back-Office Entry
Enable staff-assisted ACH processing for phone orders, invoiced collections, and internal payment workflows.
Batch Processing
Process higher volumes more efficiently with batch-based workflows designed to save time and reduce repetitive entry.
Verification-Focused Workflows
Use validation and review processes to help identify incomplete or inconsistent payment details before submission.
Reporting and Payment Visibility
Monitor transactions, track payment activity, and improve reconciliation with more organized reporting workflows.
$2B+
Processed
99.99%
Uptime
1–3 Day
Settlement
NACHA
Compliant
Why Businesses Choose Virtual Check for ACH Processing
Businesses evaluating ACH providers often look for greater flexibility, support for recurring billing, improved operational visibility, and a payment process that is easier to manage across teams and customer touchpoints.
Recommended
Virtual Check
-
Payment Flexibility
ACH and eCheck through online, phone, mail, and back-office workflows
-
Recurring Billing
Supports scheduled and ongoing payment workflows
-
Efficiency
Batch processing and centralized payment management
-
Risk Control
Verification-focused workflows to improve payment quality
Alternative
Traditional Providers
-
Payment Flexibility
Often limited to narrower processing channels
-
Recurring Billing
Varies by provider
-
Efficiency
May require more manual handling
-
Risk Control
Often basic review processes
Improve ACH Efficiency and Control
Virtual Check helps businesses strengthen ACH operations with tools designed to support cleaner submissions, smoother billing workflows, and clearer day-to-day visibility into payment activity.
Improve collections performance by combining ACH acceptance, recurring billing, and payment review workflows into one streamlined system.
Multi-channel acceptance
Accept ACH and eCheck payments across multiple customer touchpoints.
Recurring billing
Support recurring billing and scheduled collections.
Batch & back-office
Reduce manual work with batch and back-office workflows.
Centralized reporting
Expand payment visibility with centralized reporting.
Verification workflows
Enhance payment quality through verification-focused processes.
How to Get Started with ACH Processing
Follow these steps to enable ACH payment processing for your business.
Apply for Approval
Submit your business and banking details and Virtual Check will recommend the most beneficial processing setup.
Configure Your Workflow
Set up ACH acceptance for your website, payment forms, phone orders, or internal collections process.
Enable Recurring Billing
Build scheduled payment plans that support subscriptions, installments, and ongoing customer billing.
Monitor and Optimize
Track transaction activity, review payment performance, and improve your collections process over time.