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ACH Payments

Accept Bank Payments Without Card Processing Fees

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Why ACH Payments Matter

Reduce Payment Costs While Making Large Payments Easier

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Card Fees Add Up Quickly

For larger payments, card processing fees can significantly impact your margins.

Some Customers Prefer Bank Transfers

Many businesses and customers prefer paying directly from their bank account.

A Better Way to Accept Larger Payments

ACH payments move money directly between bank accounts, helping reduce costs and simplify payments.
Ways to Accept ACH Payments

Accept Bank Transfers in the Way That Fits Your Business

Online Bank Payments
Customers can pay directly from their bank account through your online checkout.
Invoice Payments via ACH
Let customers pay invoices using bank transfers instead of cards.
Recurring Bank Payments
Automatically collect recurring payments directly from a customer’s bank account.
Large Transaction Payments
Accept high-value payments without the high fees that often come with card transactions.
Online Bank Payments
Customers can pay directly from their bank account through your online checkout.
Invoice Payments via ACH
Let customers pay invoices using bank transfers instead of cards.
Recurring Bank Payments
Automatically collect recurring payments directly from a customer’s bank account.
Large Transaction Payments
Accept high-value payments without the high fees that often come with card transactions.
The Advantage Behind Every Payment

Lower Costs and Reliable Bank Transfers

Lower Processing Costs

ACH payments typically cost less than credit card transactions.
  • Reduce payment processing expenses
  • Improve margins on larger payments
  • Keep more of every transaction

Ideal for Large Transactions

Bank transfers work well for higher-value payments where card fees can become expensive.
  • Accept larger payments confidently
  • Avoid percentage-based card fees
  • Simplify higher-value transactions

Reliable Bank-to-Bank Transfers

ACH payments move funds directly between bank accounts.
  • Secure bank network transfers
  • No physical cards required
  • Stable and predictable payment flow

Simple to Set Up. Easy to Use.

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Enable ACH Payments

Activate ACH as a payment option for your business.
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Customer Enters Bank Details

Customers securely enter their bank account information.
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Funds Transfer Directly

Payments move from their bank account to yours through the ACH network.
ACH Pricing

Predictable Pricing for Bank Payments

Give your customers an easy way to pay directly from their bank account while keeping costs predictable for your business.
Per Transaction Fee
Standard
$0.25
Standard ACH processing. Settles in 3–4 business days.
Per Transaction Fee
Fast
$1.00
Accelerated ACH processing with next business day settlement.
Per Transaction Fee
Instant
$1.75
Real-time ACH processing with instant fund delivery.
Monthly Fee
$10.00
Applies for businesses accepting ACH payments.
Return Fee
$5.00
Occurs when a bank sends a payment back.
Late Return Fee
$15.00
Occurs when a return is received after the standard window.
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Get the Answers You Need

Frequently Asked Questions

ACH payments are bank-to-bank transfers that move funds directly between bank accounts without using a card.

ACH is commonly used for larger payments, recurring billing, or situations where businesses want to reduce card processing fees.

ACH transfers typically take one to three business days to settle depending on the bank.

Yes. ACH transfers are processed through regulated banking networks designed for secure fund transfers.

Yes. ACH works well for subscriptions, memberships, and ongoing billing.

No. Customers simply provide their bank account and routing number to complete the transfer.

Yes. ACH can be offered alongside credit cards, debit cards, and other payment methods.

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Quantum Electronic Payments LLC is a registered ISO/MSP of Central Bank, St. Louis, MO; Avidia Bank, Hudson, MA; and FFB Bank, Fresno, CA.
24/7 Multi-Lingual Support
Sales:
(888) 858-1678 ext. 108
Support:
(888) 858-1678 ext. 100
24/7 Multi-Lingual Support
Sales:
(888) 858-1678 ext. 108
Support:
(888) 858-1678 ext. 100
Quantum Electronic Payments LLC is a registered ISO/MSP of Central Bank, St. Louis, MO, and FFB Bank, Fresno, CA.
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