Approximately 175 million Americans have a checking account. ACH Payments allow you to capture more initiated sales by enabling customers to pay the easiest way—directly through their bank accounts in a safe, secure, and simple process.The Automated Clearinghouse (ACH) is an electronic payment delivery system that processes credit and debit transfers for institutions nationwide. ACH Payments are processed using a customer’s bank account information to deduct funds directly from a checking or savings account to pay for goods or services. It is a popular and efficient alternative to traditional credit card or paper check processing.Click here for ACH transaction typesACH transactions offer many benefits and advantages over traditional paper checks or credit/debit cards.

• Require time and effort to write and deposit
  
• Carry risk of lost, stolen, or late checks
  
• Require postage expenses
  
• Require administration and operation expenses to process
  
• Carry risk of check fraud and stop payment charges
  

• More expensive to establish, operate and maintain
  
• Credit/debit cards and PayPal demand higher rates
  
• Not ideal for recurring or subscription payments
  
• Limited percentage of the market compared to ACH