ACH Payment Processing
Collect invoice and recurring payments directly from a customer’s bank account, without card interchange fees or expiring cards on file.
We bring more than 25 years of ACH payment processing experience to businesses with ongoing billing and high-volume collection needs. We support B2B suppliers, property managers, healthcare practices, hospitality groups, collection agencies, and other organizations, with more than $2 billion processed.
Built for standard and high-volume collections.
Example
ACH Entry
Entry Amount
$12,480.00
Standard entry · settles in one to three business days
From
Acme Corp
**** 4521
To
Vendor LLC
**** 8902
Settlement Timeline
3 of 4Originated
Batched
Posted
Settled
Serving industries that bill on a cycle
Example
Entry Pipeline
Originated
Submitted by the ODFI
WEB
online entries
Batched
Exchanged on a schedule
PPD
recurring entries
Settled
Posted by the RDFI
CCD
business entries
Standard
1–3 days
Returns
R01-R03
Rules
NACHA
How the ACH Network Moves Money
The Automated Clearing House is the electronic network that moves funds between bank accounts in the United States. It supports direct deposit, online bill pay, recurring payments, and other bank-to-bank transactions under rules established by NACHA.
Each payment moves from the originating financial institution, or ODFI, to the customer bank, known as the RDFI. ACH payments are processed in batches rather than authorized individually like card transactions, and a standard payment settles in one to three business days.
Each ACH payment is assigned a Standard Entry Class (SEC) code based on how it was authorized. WEB applies to online payments, TEL to telephone payments, PPD to recurring consumer payments, and CCD to business-to-business transactions.
ACH processing is often priced per transaction rather than as a percentage of the payment amount, which suits larger invoices and recurring collections. Payments can also be screened before submission through CheXshield check verification. Businesses that have lost card acceptance or operate in restricted industries may be better suited to eCheck processing for high-risk businesses.
Ways to Take ACH Payments
One-Time ACH Debits
Collect one-time payments directly from a customer checking or savings account, with no card number to store or expiration date to manage.
Recurring Schedules
Set up recurring payments for subscriptions, memberships, installment plans, and monthly account balances, with authorization maintained on file.
Virtual Terminal and Back Office
Enter payments from any browser for phone orders, invoiced collections, and internal payment runs, with no additional hardware required.
Batch Processing
Submit high volumes of payments in a single file, ideal for rent rolls, monthly billing cycles, and portfolio-wide collections.
Account Verification
CheXshield checks routing and account information before submission to help identify closed or invalid accounts before a return occurs.
Reporting and Reconciliation
Track settlements, returns, and recurring schedules in one place, making it easier to reconcile payments against the ledger.
25+ Years
In Payments
$2B+
Processed
1-3 Days
Standard Settlement
NACHA
Compliant
How Virtual Check Compares on ACH
Businesses typically move collections to ACH for three reasons: lower costs on larger payments, fewer disruptions from expired or declined cards, and less manual work around failed transactions. Here is how Virtual Check compares with the providers many businesses consider first.
Recommended
Virtual Check
-
Acceptance Channels
Hosted page, phone, mail, API, virtual terminal, and batch upload.
-
Recurring Billing
PPD schedules with authorization retained for the life of the series.
-
Verification
CheXshield screens routing and account data before an entry is submitted.
-
Return Handling
Return codes such as R01 and R02 are reported back so entries can be reworked.
-
Batch Volume
High volumes submitted in a single file for rent rolls and billing cycles.
-
Compliance
Entries follow NACHA operating rules, with PCI DSS compliant data handling.
-
Underwriting
Approval can return in as little as 24 hours.
-
Experience
More than 25 years originating entries and over $2 billion processed.
Alternative
Traditional Providers
-
Acceptance Channels
Often one or two channels only.
-
Recurring Billing
Varies by provider.
-
Verification
Basic or no pre-submission screening.
-
Return Handling
Returns often surface late on a statement.
-
Batch Volume
Manual entry or low batch limits.
-
Compliance
Varies by provider.
-
Underwriting
Multi-week review is common.
-
Experience
Varies by provider.
Built for High-Volume Collections
At scale, the real cost of ACH processing often comes from the work around each payment: rekeying bank details, following up on failed transactions, and reconciling settlements manually. Our tools help reduce that operational work.
Catch account issues before submission, keep billing cycles moving without rekeying, and reconcile settlements directly against your ledger.
ACH Acceptance
Collect from checking and savings accounts online, by phone, or through an API.
Recurring Schedules
Set up PPD debits for subscriptions, memberships, installment plans, and other recurring payments.
Batch and Back Office
Submit an entire billing cycle in one file instead of entering transactions individually.
Return Visibility
See return codes, including R01 for insufficient funds and R02 for closed accounts, as they post.
Reconciliation
Match settlements directly to your ledger without rebuilding records from a bank statement.
From Application to First Batch
Approval in as little as 24 hours. Here is what to expect at each stage.
Submit the Application
Provide business details, ownership information, settlement account information, and expected processing volume. Underwriting reviews your business model, monthly volume, and average transaction size.
Configure Acceptance
Choose how you want to accept ACH payments: hosted payment page, virtual terminal, API integration, or batch upload. Each channel is configured with the appropriate SEC code.
Set Up Recurring Payments
Create billing schedules for subscriptions, memberships, and installment plans, with customer authorization maintained on file.
Reconcile and Monitor Returns
Match settlements against your ledger and review return codes as they post. Identifying and correcting account issues early helps manage return rates and support a stable processing account.