Bank-to-bank payments for the invoices where percentages hurt
On a $9,000 invoice, 2.9% is $261. A flat ACH fee is a few dollars. For B2B, the rail matters more than the rate.
What you get
- Flat per-transaction pricing, not a percentage
- US ACH and Canadian EFT on one platform
- Same-day ACH available on qualifying transactions
- Pre-authorised debit agreements and mandates
- Automatic retry and NSF handling
Cost that does not scale with ticket
ACH is usually priced as a flat or capped fee, so the saving versus cards grows with the size of the payment.
Predictable settlement
Standard settlement in 1-3 business days, same-day where eligible.
Recurring by default
Pre-authorised debits for retainers, rent, memberships and payment plans.
Reconciliation built in
Returns, NSFs and reversals post against the original transaction automatically.
Quoted from your statement, not from a rate card
We do not publish a single rate for ach & eft payments because a single rate would be a guess. Your cost depends on card mix, average ticket, monthly volume, how much of it is keyed or online, and your industry's risk profile.
Send one statement. Usually within 4 hours you get your real effective rate, every fee named, and a quote you can compare line by line against what you pay now.
- No long-term contract and no cancellation penalty
- No PCI fee and no non-compliance fee
- No statement fee, no monthly minimum
- A named expert, reachable by phone
ACH & EFT Payments, answered
It depends on volume and risk profile. ACH is usually a per-transaction fee, sometimes with a small capped percentage. We quote the cap in writing.
ACH is the US bank rail, EFT is the Canadian equivalent. Same idea, different networks and cut-off rules. We support both.
You get a return code, an automated retry option, and the fee shown as its own line so you can pass it on if your agreement allows.
See how ach & eft payments works in your industry
Send one statement. Every fee named, back, usually within 4 hours.
It is free, there is nothing to sign and nothing to cancel. We read your current merchant statement line by line, name every fee on it — including the ones buried in the fee schedule — work out your true effective rate, and send the written analysis back, usually within 4 hours. Do not want to wait? Call 1-888-705-7896 and we will read your statement with you on the call in about 5 minutes.
Every fee named, usually within 4 hours. Or call now and we quote you on the spot.
Everyone else in this industry says twenty-four hours. We say four — and if that is still too slow, pick up the phone and get your numbers while you are on the call. No contract, nothing to cancel, no pressure.