ACH and eCheck payment processing for businesses and platforms.
Let customers pay by bank with one-time, recurring, and eCheck payments. ACH is often 50x cheaper than cards, and funds can land the same day.
Settlement speed
Sample $10K transferFrom authorization to deposit
Up to 4 days faster
With Same Day ACH, cash can land the day you collect it.
Same day and next day funding for qualified accounts, set at underwriting.
- $10B+
- Processed annually
- 10K+
- Merchants
- 99.99%
- Uptime
- Same day
- Fastest settlement
New here? Talk to sales or read the ACH glossary.
Powering payments for partners and platforms
LoanPro
Lending
NMI
Gateway
Liberty Power
Energy
Bargold Storage
Storage
Kaseya
Software
DCDial
Collections
Authorize.Net
Gateway
What we do
Everything you need to accept ACH payments.
One ACH merchant account for one-time payments, recurring billing, and eCheck, with bank account verification built in.
Payments
ACH, recurring, and eCheck payments
Pull payments straight from a customer's bank account. One-time payments, recurring ACH billing and direct debit, and eCheck processing, all in one account.
Verification
Bank account verification
Verify and validate a bank account before you pull from it. Works with your own Plaid processor tokens. Cuts NSF returns by up to 70%.
Gateway
ACH payment gateway and API
Upload payments in batches from the web portal, or build them into your software with the ACH API. Developers get a sandbox to test in. Live in days.
Inside your ACHQ dashboard
Run payments like an engineering team would.
Every ACHQ customer gets the platform. Real-time visibility, signed webhooks, reconciliation, and the audit trail your compliance team needs. Included with every account.
Live transaction monitoring
Every charge, refund, return, and payout in one feed. Filter by status, paykey, or merchant. Search across millions of records in milliseconds.
Signed webhooks for every event
Get notified the instant a payment status changes. HMAC-signed, idempotent, with replay history if your endpoint goes down.
Reporting and reconciliation
Daily settlement reports, return-rate trending, and exports your accounting team can drop into NetSuite or QuickBooks without cleanup.
Real-time alerts
Configurable alerts for return spikes, suspicious activity, and merchant onboarding events. Email, SMS, or webhook delivery.
Tokenized bank accounts
Every customer bank account stored as a reusable paykey. Charge once or set up recurring. PII never touches your systems.
Audit log for compliance
Immutable record of every action by every user. SOC-ready exports. Pre-formatted reports for sponsor bank and Nacha audits.
Why businesses choose ACHQ for ACH processing
Faster, cheaper, and someone actually picks up the phone.
From $0.15
Per ACH transaction
ACH is often 50x cheaper than cards. Final pricing is set at underwriting.
0-2 days
Settlement
Same Day ACH can settle the day you collect. Standard ACH settles in 1-2 business days.
25+ years
Of ACH expertise
We've been doing this since the early days. Real ODFI relationships, real risk monitoring.
100%
Human support
Call and a real person answers. No phone tree, no chatbots. We run lean so more money stays in your pocket.
Simple ACH processing pricing.
ACH pricing from $0.15 per transaction.*
*Final pricing is set at underwriting.
White label payment processing for platforms and ISOs.
Embed ACH payments in your software under your own brand, or just refer merchants and we handle the rest. ACHQ pays the most competitive revenue share in the industry and does as much or as little as you want.
White label, embedded, or referral
Run ACHQ's ACH payment gateway under your brand, embed payments in your software, or send us merchants and we do everything else.
Best-in-class revenue share
Tiered commission scaling with portfolio volume. Lifetime residuals on every active account.
Co-branded sales support
High-volume partners get marketing assets, deal registration, and a dedicated channel manager who closes with you.
Simple onboarding, no liability
Apply in minutes. Most partners are activated within 5 business days, and the liability sits with ACHQ, not you.
ACH payment processing FAQ
What is ACH payment processing?
ACH payment processing moves money directly between U.S. bank accounts over the ACH network, the same system banks use for direct deposit and bill pay. A business pulls a payment from a customer's bank account (an ACH debit) or sends money out (an ACH credit). ACHQ handles the processing, underwriting, and bank side for you.
Do I need an ACH merchant account?
Yes. To pull payments from customer bank accounts you need an ACH merchant account with a processor like ACHQ. You apply online, ACHQ underwrites your business, and once you are approved you can take ACH and eCheck payments. Complete applications often get a decision within hours.
Is ACH cheaper than credit cards?
Yes. Cards typically cost 2.9% + 30¢ a payment, so the fee grows with every dollar. ACH pricing at ACHQ starts at $0.15 per transaction. Final pricing is set at underwriting.
What is pay by bank?
Pay by bank means your customer pays straight from their bank account instead of with a card. In the U.S. that payment usually runs over ACH. With ACHQ you can offer pay by bank for one-time and recurring payments.
What is the difference between ACH and eCheck?
An eCheck is an ACH payment that starts from check details. Your customer gives you their routing and account number, online or over the phone, and the payment runs over the ACH network like any other ACH debit. ACHQ processes both.
What is a third-party ACH processor?
A third-party ACH processor sends payments into the ACH network for businesses through its bank partners. ACHQ is a third-party ACH processor. We underwrite each business, send its payments through our own bank (ODFI) relationships, and handle returns and support.
Move money cheaper, faster, and with fewer headaches.
Apply for an ACH merchant account online. Complete applications often get a decision within hours.