Bank Payment
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Processing
Bank-to-bank payment processing for businesses that want another way to collect large, recurring and everyday payments without routing every transaction through a card network.
Build ACH into subscriptions, memberships, invoices, online checkout and business payment workflows with a merchant setup structured around your operation.
Enter your current processing numbers and an estimated ACH cost to compare the difference. This calculator is illustrative only.
Use figures from a recent processing statement and adjust the estimated ACH cost based on the terms available to your business.
ACH provides a bank-account payment rail that can sit alongside your existing card processing. Customers authorize a transfer and the payment moves through the ACH network rather than a card network.
The customer authorizes payment from an eligible bank account using your approved payment flow.
The payment instruction is submitted through the ACH payment infrastructure.
Funds are settled according to the processing schedule and terms of the approved account.
Authorizes bank payment
Transfer instruction processed
Settlement according to account terms
ACH can complement card processing when customers, payment sizes and billing models make bank-account payments a practical option.
Add a bank-payment option for transactions where card-processing economics may be less attractive.
COST CONTROLSupport approved repeat-payment schedules for subscriptions, memberships and ongoing customer relationships.
AUTOMATIONGive eligible customers a direct bank-account payment option alongside card acceptance.
BANK-TO-BANKACH may be useful when larger transaction values make payment-processing cost a bigger consideration.
LARGE TICKETSBuild bank transfers into eligible invoice and accounts-receivable collection workflows.
B2B PAYMENTSStructure authorization, transaction handling and return-management processes around your ACH program.
RISK MANAGEMENTBank-account payments can be especially useful when your business collects predictable, higher-value or repeat transactions.
Businesses collecting recurring monthly or scheduled payments from established customers.
Businesses collecting invoices and account payments from other companies.
Operations where larger average payment values make processing economics more important.
Eligible businesses looking to add another payment rail beyond their existing card setup.
Businesses with subscriptions, memberships and ongoing service relationships can use approved ACH billing to collect scheduled bank payments without asking the customer to complete a new checkout every billing cycle.
Eligibility varies by business, but ACH can be considered as part of the payment strategy for both standard and specialty merchant categories.
Add bank payments to eligible online checkout and recurring billing.
Explore payment infrastructure for eligible gaming business models.
Support memberships and eligible higher-value treatment payments.
Bank-payment options for eligible healthcare billing workflows.
Explore ACH alongside eligible pharmacy payment and recurring billing models.
Bank payments for eligible recurring digital-health and virtual-care models.
Build bank payments into the systems you already use for checkout, recurring billing, accounting and payment operations.
Add eligible ACH payments to customer payment flows.
Connect recurring bank payments to approved billing workflows.
Route approved ACH payment instructions through your setup.
Keep ACH activity easier to monitor and reconcile.
Give underwriting the information needed to understand your business, transaction profile, banking relationship and intended ACH use case.
Provide company, ownership, banking and expected processing information.
Your business model, payment activity and supporting records are reviewed.
Configure approved ACH collection, authorization and recurring billing workflows.
Begin accepting approved ACH transactions once your payment setup is live.
Preparing complete business and processing information upfront helps underwriters understand your operation and intended ACH payment model.
Discuss Your ApplicationLearn more about ACH payment processing, recurring billing, bank transfers and merchant onboarding.
Ask Our TeamACH payment processing enables eligible businesses to collect electronic payments using customers' bank accounts through the Automated Clearing House payment network.
Card transactions use card-network payment rails, while ACH transfers use bank-account payment infrastructure. Pricing, settlement, authorization and dispute processes therefore differ.
Eligible merchants can use approved ACH configurations for recurring payment arrangements when proper customer authorization and billing procedures are in place.
ACH can be worth considering for higher-value transactions because payment costs and transaction economics may differ from card processing. Actual account terms determine the final cost.
Specialty businesses may be considered depending on the individual business model, services, transaction profile, documentation and underwriting requirements.
ACH transactions do not necessarily settle instantly. Processing and funding timelines depend on the ACH transaction type, banking schedule, processor and merchant-account terms.
Requirements vary, but underwriting may request business registration information, ownership details, bank records, processing history, website information and expected ACH transaction activity.
Whether you collect recurring payments, business invoices, memberships or higher-value transactions, talk to Zenith Transact about building ACH into your payment strategy.