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These competitively priced ACH payment services providers are suitable for all types of small businesses in the US (and there's even a global option in Stripe).
Shannon has been writing for Merchant Maverick about small business software and financing since 2015. She started writing professionally about business topics in 2005. Shannon has been featured in the Washington Post, Reader's Digest, US News, MSN, Yahoo Finance, Business Insider, and other publications. She has a bachelor's degree in English from San Diego State University and currently resides in San Diego, California.
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Shannon VissersShannon has been writing for Merchant Maverick about small business software and financing since 2015. She started writing professionally about business topics in 2005. Shannon has been featured in the Washington Post, Reader's Digest, US News, MSN, Yahoo Finance, Business Insider, and other publications. She has a bachelor's degree in English from San Diego State University and currently resides in San Diego, California.
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Erica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
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Erica SeppalaErica has been writing about small business finance and technology since 2008. She joined Merchant Maverick in 2018 and specializes in researching and reviewing business software, financial products, and other topics to help small businesses manage and grow their operations. Her expertise has been cited in MSN, Reader's Digest, Vox, U.S. News & World Report, and Real Simple. She is a Certified ProAdvisor for QuickBooks Online and QuickBooks Payroll, a graduate of Limestone University, and currently resides in Greenville, South Carolina.
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ACH payment processing has enjoyed an unexpected resurgence in recent years for eCommerce transactions as merchants look for alternative ways to accept payments without paying the expensive processing fees that come with credit and debit card payments. ACH payments are processed over the Automated Clearing House (ACH) Network, allowing your customers to pay you by transferring funds from their bank account directly into your merchant account.
Below, we’ll lay out the best ACH payment processors for small businesses, and what you need to know about ACH transactions.
Finding the best ACH payment processing companies for your small business often comes down to selecting a reputable merchant services provider that can offer both ACH and credit/debit card processing in a single package. Here our picks for best ACH processors.
eCommerce darling Stripe has an exhaustive list of features that can potentially meet the needs of just about any eCommerce business. ACH processing is included with every account at no extra cost, and processing charges are very competitive with what other payment providers can offer you.
Add in the fact that Stripe has extensive billing and invoicing features and excellent support for recurring payments, and you have a great all-around platform for bank-to-bank transfers.
Stripe Features
Stripe’s main draw is its outstanding integrated payments platform, which can seamlessly consolidate a wide variety of payment methods and offer unparalleled analytics and reporting data. Stripe also features great international support (although ACH transfers are a US-only payment method). Here are the major features that Stripe has to offer:
ACH processing included with every account
Stripe Payments integrated payments platform
Stripe Virtual Terminal
Stripe Radar anti-fraud protection
Broad support for international payments and local payment methods
Stripe Terminal for card-present transactions
Extensive library of APIs and developer tools
Many ancillary services for establishing and running your business
Stripe Pricing
When you factor in the free account and low ACH transaction fee, Stripe turns out to be one of the cheapest ways to accept ACH payments:
No monthly fees for a basic account
ACH/direct debit transactions: 0.8% per transaction ($5 cap)
$1.50/instant bank account validation
$1.00/ACH credit payment
$5.00/check received
$4.00/failed ACH direct debit payment
$15/disputed ACH direct debit payment
Stripe Is Best For:
Low-risk eCommerce businesses
Businesses looking for a low-cost way to accept ACH payments
Businesses that need invoicing and/or recurring billing features
Helcim offers a fully underwritten merchant account with no long-term commitment and no early termination penalties. It's one of the very few providers in the industry to provide a stable, full-service merchant account with no monthly account fees. In fact, Helcim provides an excellent value for both low- and high-volume businesses.
Helcim Features
Helcim has long been one of our favorite merchant services providers for both Canadian and US-based merchants. The company offers full-service merchant accounts for less money overall than most of its competitors. It also provides a full range of features for most businesses, including the following:
ACH payment processing included with all accounts
Exclusive interchange-plus pricing for credit/debit transactions
Hosted online store for eCommerce merchants
Affordable Helcim Card Reader for in-person credit/debit transactions
Integrated virtual terminal
Proprietary Helcim POS software
Online invoicing is included with all accounts
Helcim Pricing
Helcim offers some of the best value in the business when it comes to payment processing, and this extends to its low-cost ACH transfer costs. That you can get this and interchange-plus pricing for no monthly fee is practically unheard of. The one downside is that Helcim caps ACH transfers at $25,000.
While you will have to pay extra for some optional features, ACH processing isn’t one of them. It’s free, and all you have to pay are the transaction processing fees.
Here are some more details of Helcim’s pricing:
No monthly account fee
No PCI compliance fee
No monthly minimum
ACH debit payments: 0.5% + $0.25 ($6 cap for transactions <$25K)
$5/returned or rejected ACH transfer
Helcim Is Best For:
Low-risk businesses
Businesses that want a free merchant account with ACH processing
Businesses that want transparent interchange-plus pricing
Exclusive Promo: Get your first month free with Stax. Learn More
Pros
Competitive processing rates for high-volume credit card sales
Comprehensive feature set, including ACH payment processing
Excellent eCommerce features
Cons
Not suitable for very low-volume or high-risk merchants
Not the cheapest ACH processing option
Why We Chose Stax
Due to its membership pricing structure, midsize and higher-volume businesses processing at least $10K/month will save money with Stax. Besides offering price savings for high-volume businesses, Stax offers a comprehensive suite of services for both in-person and eCommerce businesses. Stax also offers ACH processing as a monthly add-on.
Stax Features
Some of our favorite Stax features include:
ACH transfers
eCheck & paper check processing
eComm website builder
Numerous payment gateway integrations
Numerous POS hardware options
Mobile POS app
Developer tools
Virtual terminal
Subscription & recurring billing option
Stax Pricing
Stax charges a monthly fee ranging from $99-$199+/month depending on how much you process. Otherwise, you just pay a few cents, plus interchange fees, per transaction (for regular non-ACH payments):
Swiped/Dipped/Tapped Transactions:$0.08 + interchange fee per transaction per transaction
Keyed-In Transactions:$0.15 + interchange fee per transaction per transaction
For ACH specifically, Stax charges a flat 1% of the transaction amount, with a cap of $10.
Stax also charges an additional monthly fee to add ACH processing to your account, but unfortunately does not list the pricing for this add-on.
Though Stax does require a monthly membership fee and a monthly ACH fee, you won’t pay other various merchant services fees, such as PCI compliance fees or gateway fees. Stax also don’t take a percentage of each credit card transaction the way most interchange-plus processors do. Stax provides an especially favorable rate for businesses that do a lot of online sales.
Still, Stax’s ACH processing is not the cheapest ACH transfer option, so this processor would not be a first-line choice for businesses that primarily receive ACH payments and don’t process a lot of credit cards.
Stax Is Best For:
Low-risk, high-volume eCommerce or Saas businesses, or retail stores
Businesses that process at least $8K/month in credit card sales, and also require ACH services
Businesses that prefer to pay a flat monthly fee rather than many miscellaneous fees
Interchange-plus pricing for credit card transactions
Cons
No disclosed pricing for ACH
Not suitable for low-volume merchants
Why We Chose Host Merchant Services
With its roots in the web-hosting industry, Host Merchant Services is a technology-first provider that's especially well-suited to online businesses and midsized businesses. In addition to competitive interchange-plus rates for credit and debit card processing, the company offers ACH processing through either its proprietary Transaction Express gateway or third-party services such as the NMI gateway or Authorize.Net.
Host Merchant Services Features
Host Merchant Services (HMS) offers a full array of products and services for any business but is especially focused on the eCommerce sector. Major features include the following:
Authorize.Net and NMI payment gateways are also available
Extensive integration with third-party shopping carts
Basic web hosting services included with all accounts
Loyalty/gift card programs
$100,000 data breach insurance policy included with all accounts
Host Merchant Services Pricing
Costs will vary depending on which payment gateway you use with Host to handle your ACH account. You can expect to pay both a monthly fee and a reasonable per-transaction processing charge — both of which will be disclosed in your contract before you sign up. Here are some of Host’s standard fees:
Account fee: $0/month for cash discount plan; $14.99/month for standard plan*
$5/month (optional) gateway fee (additional per-transaction fee of $0.05-$0.08; only applies for third-party gateways)*
ACH transaction fees vary by payment gateway
No application or setup fees
No monthly minimums
No PCI compliance fees
*Note that pricing may differ for high-risk businesses.
Host Is Best For:
Mid- or high-volume businesses that need a full-service merchant account
Low- or high-risk businesses
Businesses that want a merchant account without a long-term contract
Payline Data is a processor that can work for nearly any type of business. But when it comes to service-based businesses -- especially industries like healthcare -- Payline Data should be at the top of your list.
Payline Data provides you with a full merchant account, with ACH solutions available. Payline offers HIPAA-compliant processing, streamlines medical billing, and offers recurring billing options that are great for the healthcare industry and other service-based businesses.
Payline Data Features
Payline Data offers the following features:
ACH processing to give your customers more payment options (while your business saves on processing fees)
Choice of Payline Gateway, Authorize.Net, or the NMI gateway
Free virtual terminal
Card readers, credit card terminals, and POS systems
Shopping cart & accounting integrations
Partnered with Ethoca and Verifi for chargeback protection
Processing for nonprofits (with discounted rates)
Payline Data Pricing
While Payline Data’s interchange rates may be a bit higher than its competitors, it doesn’t have hidden fees or junk fees, which helps keep costs down. Here’s what to expect in terms of pricing:
$10 – $20/month account fee
No PCI compliance fee
$25 monthly minimum
Payline Data Is Best For:
Service-based businesses
Businesses that want transparent interchange-plus pricing
Get a free Clover Go card reader from National Processing when you sign up. Claim your card reader.
Pros
Low-cost ACH processing
Month-to-month billing (in most cases)
Accepts some high-risk businesses
Cons
Long-term contracts required to get free terminal
ACH pricing no longer listed on website
Why We Chose National Processing
While ACH processing is often included in third-party payment platforms, it can be a bit of a pain to add on through a full merchant account provider. National Processing offers one of the cheaper ACH/eCheck solutions for businesses that want their own merchant account and POS, as well as the option to do bank-to-bank payments.
National Processing Features
National Processing is a great option for small businesses looking to get a full-service merchant account at an affordable cost. In addition to an ACH/eCheck processing option, the company offers the following key features:
Authorize.Net payment gateway
Virtual terminal included
Credit card terminals and POS systems available, including Clover terminals
Mobile processing with Clover Go available
“Free” credit card terminal available with long-term contract
National Processing also excels in customer service, which we’ve found to be a critical feature for any merchant services provider.
National Processing Pricing
*National Processing offers ACH and eCheck are available as paid add-ons:
$25 setup fee for ACH processing*
ACH processing: $15.00/month + 0-1.5% + $0.48/transaction*
$3.50/returned ACH payment*
$15/ACH rejection*
$9.95/monthfor a merchant account (flat-rate pricing)
2.41-2.5% + $0.10 transaction fees for card-present payments
*Unfortunately, National Processing no longer publicly lists its ACH pricing on its website as of September 2024. Make sure you confirm ACH pricing with National Processing directly before committing to their processing services. Pricing might also differ for high-risk businesses.
National Processing Is Best For:
Businesses that want a full merchant account with ACH
Businesses that want to use Clover POS for card-present payments
Get a free card swiper from Square at no cost when you create a free account. Claim your card reader.
Pros
No monthly fee for basic account
Predictable flat-rate pricing
ACH included in free account
Cons
ACH payments only available through Square Invoices
Not available to most high-risk industries
Why We Chose Square
Square is one of the most accessible ways for new businesses to accept credit cards and, as it turns out, ACH payments as well. Square's feature list is massive, and most of these features, including ACH, are available without a monthly fee.
For Square Invoices users (such as freelancers, independent contractors, or professional services), ACH processing will be a welcome feature that gives your customers an additional way to pay you.
Square Features
Small-business favorite Square has long been a great choice for businesses that only need to take an occasional non-cash payment. Square has evolved from a basic, mobile-only processing solution to a full-featured payments ecosystem and now includes the following major features:
Credit and debit card processing
ACH processing included with every account
Complete line of Square terminals and POS systems
Square Online Store for eCommerce businesses
Basic Square Invoices feature included at no extra cost
Analytics and reporting available through Square Dashboard
Extensive list of free and premium business productivity software
Square Pricing
Square’s ACH pricing is very reasonable. The lack of an additional monthly fee for this service makes it a great choice for businesses that only occasionally accept an ACH payment:
No setup fee
No monthly fee
ACH transactions: 1% (min. $1)
No ACH rejection fee
$50,000 maximum/ACH transfer
Square Is Best For:
Independent contractors or new startups
Businesses that need invoicing services to bill clients
Freelancers who only accept occasional ACH payments
Dharma Merchant Services ranks among our favorite credit card processors with its transparent pricing, full feature set, and nonprofit discounts. It turns out, it's also a very versatile service when it comes to ACH processing. Dharma's MX Merchant platform integrates with ACH.com, which can be used to process single or recurring ACH transactions.
Dharma also offers eCheck support through the NMI Gateway for an additional monthly fee.
Dharma Merchant Services Features
Dharma Merchant Services features include:
Low-risk merchant accounts
ACH processing
eCheck processing
Paper check processing
Support for POS, online, & mobile transactions
Credit card surcharging programs
Full line of Clover POS systems
QuickPay Virtual Terminal
Dharma Merchant Services Pricing
Dharma’s pricing is as follows:
$20/month account fee
ACH: $25/month and 0-0.20% + $0.40/transaction
$49 account closure fee
ACH transaction costs:
$2 return fee
$5 reversal fee
$20/month eCheck processing fee
eCheck transaction costs:
$0.35 per transaction
$3 return fee
$25 chargeback fee
Clover Telecheck: 1.5% + $0.20 per transaction
Alternative in-person paper check setup costs:
Magtek Mini MICR Imager: $549
Vx520 Terminal: $179
$15/month fee
$0.30 per transaction
Optional guarantee services: 1.5% of transaction amount
Exclusive Promo: PaymentCloud will give you $200 if they can't beat your current rate. Get Your Quote
Pros
High-risk specialization
No account setup fee
Generally reasonable rates and fees
Cons
No publicly disclosed pricing
Why We Chose PaymentCloud
PaymentCloud is at the top of the list of Merchant Maverick's best all-around high-risk payment processors for its fair treatment of hard-to-place businesses. High-risk businesses can greatly benefit from alternative payment methods and bank-to-bank transfers in particular.
PaymentCloud Features
PaymentCloud stands out as one of the most reputable high-risk specialists we’ve found. In addition to offering ACH and eCheck processing, the company can provide just about any service your business might need, including the following:
Chargeback protection and fraud prevention features
PaymentCloud offers ACH processing, either as an add-on to your existing merchant account or an ACH-only option for high-risk merchants who can’t be approved for a merchant account. PaymentCloud’s virtual terminal can support ACH-related features upon request. The company boasts of getting ACH service up and running for businesses within 48 hours so long as you have a business checking account, photo ID, and a voided check.
PaymentCloud Pricing
No application fee
No account setup fee
Variable monthly account fee
Other fees vary depending on the back-end processor you’re placed with
PaymentCloud Is Best For:
Businesses in high-risk industries
Businesses that can’t get approved for a regular merchant account
Businesses that need a virtual terminal and/or credit card terminal in addition to ACH processing
While the term "high-risk" is usually associated with credit card processing, high-risk businesses can also run into challenges getting approved for an ACH merchant account under NACHA guidelines. One way around this is through eChecks, which are offered by Durango Merchant Services as part of their high-risk merchant services. eCheck accounts can be up and running within 24 hours and function similarly to taking a customer's check to the bank but through an electronic checking system.
Durango Merchant Services Features
Durango Merchant Services has a reputation for excellent service for high-risk merchants and businesses seeking offshore merchant accounts. Durango Merchant Services features include:
Low-, high-risk, & international merchant accounts
eCheck processing
Support for POS, online, & mobile transactions
Fraud protection services
A variety of credit card terminals and POS systems are available
Cryptocurrency support
Durango Merchant Services Pricing
Durango Merchant Services offers almost all of its customers month-to-month billing, including high-risk customers, which is always good. Here are some more things to know about Durango’s pricing:
High-risk pricing varies from business to business
No setup fee
Some very high-risk businesses may require a rolling reserve
Durango Is Best For:
Businesses that need a high-risk merchant account
Businesses wanting to accept eChecks as an alternative to ACH
Merchant Maverick has been researching the payment processing industry since 2009. Our writers have reviewed hundreds of credit card processors, merchant account services, and mobile payment apps, evaluating each provider carefully on several different metrics.
Weighted Rating Breakdown
Fees & Rates 35%
Contract 20%
Products & Services 15%
Sales & Advertising Transparency 15%
Customer Service 10%
User Reviews 5%
When comparing different payment processing companies and applications to one another, we consider numerous data points. Our experts start by comparing credit card processing rates, the presence of additional fees, contract length, sales practices, and the presence or absence of additional features and services, like point of sale software. Each provider is judged on its own merits and how well it stacks up to industry standards; then it is weighed against the other providers on the list.
We spend an average of 10-15 hours researching and updating each one of our lists, making sure every company or application included meets our internal standards for quality and reputation. Any list of recommended payment processors on our site might contain a mix of standard merchant accounts, third-party payment processors, mobile payment devices, and high-risk payment processors, depending on what our expert feels is the best fit for certain scenarios or business types.
For additional details about Merchant Maverick’s review and rating processes, please refer to any or all of the following methodology pages:
For businesses that accept payments online — through electronic invoices, a virtual terminal for keying-in payments, a website or web form, or any other methods — there are a few common pathways to setting up and accepting ACH payments. Approval for adding ACH processing to your account requires a separate (and more intensive) underwriting process since ACH payments allow you to transfer funds directly out of your customers’ bank accounts.
You’ll need two primary components to accept ACH payments, which may or may not be provided by the same entity:
A payment gateway (the software that transmits payment data)
An ACH processing account that’s connected to your gateway
How Do ACH Payments Work?
ACH payments allow an originator to either credit or debit, with permission, the bank account of a recipient through their respective financial institutions. These transactions are routed through an ACH operator, which sorts them and sends them to the recipient’s bank or credit union.
There are two main categories of ACH transactions: credit and debit. Credit transactions apply funds to a recipient account at a scheduled time. Debit transactions deduct funds from a recipient account under agreed-upon circumstances.
How To Choose An ACH Provider
When looking for an ACH provider, you’ll generally want to select a service that combines reasonable rates, convenient features, and user-friendliness. Our guide on how to select an ACH provider can walk you through the nuts and bolts of finding a processor that meets your specific needs.
Pros & Cons Of Using ACH For Your Business
ACH can be a great low-cost alternative to credit cards, but it’s not always an ideal solution. For example, ACH is well-suited for billing subscriptions and B2B transactions but can be cumbersome to use at point-of-sale.
Weigh out the pros and cons of ACH before you invest in a service you may not utilize.
ACH powers many of the transactions used by financial institutions. These institutions may offer businesses bill-paying services at little to no cost. The downside is these services tend to be more limited and not as easily integrated into your point-of-sale processes.
Merchant Service Provider Plus Payment Gateway
Merchant service providers (MSPs) that set up merchant accounts for credit and debit card processing typically also partner with one or more specialized ACH payment providers to set up ACH merchant accounts for clients. If you already have a good merchant account provider, you can start your ACH processing search here. When bundled with credit card processing and other merchant services, you may get a better deal on ACH processing fees.
Payment Service Provider
Payment service providers (also known as third-party processors or merchant aggregators) do not require you to be underwritten for your own dedicated merchant account for credit card processing or ACH processing. Instead, the PSP creates a communal merchant account on behalf of multiple merchants. There are advantages and disadvantages to this approach. One nice benefit for online merchants is that the payment gateway software is typically already included with a PSP. In other words, you don’t need to sign up for ACH processing separately.
High-Risk Processor
High-risk businesses frequently struggle to get approved for a merchant account, often due to abnormally high chargeback rates. Providers serving the high-risk community can often set you up with specialized ACH processing services that come with advanced anti-fraud and chargeback protection features. Especially high-risk businesses that may not pass the ACH underwriting process can fall back on echeck processing for their transactions.
Standalone ACH Service
If you’re not going to be setting up credit and debit card processing at all, you may want to find an ACH or echeck processor and sign up directly. Some ACH payment providers even specialize in layered eCheck systems that supply extra fraud, chargeback, and bounced check protection. ACH-only processing is a possible option for cannabis merchants who might otherwise be limited to operating on a cash-only basis.
How To Set Up ACH Payments
There are a number of ways to accept ACH payments. Many banks offer a bill pay feature at no extra charge that allows customers to make ACH credit transactions directly from their accounts.
Businesses that want more robust features, including the ability to debit customer accounts for recurring payments, may need to look into supplemental payment processing services. Our list above is a great place to start.
ACH Processing Fees
An ACH is almost always cheaper than a comparable credit card transaction and often cheaper than a comparable debit card transaction. ACH transactions may even be free in some cases (typically ACH credit transactions are initiated through a bank or credit union).
While both ACH and wire transfers enable money transfers directly between bank accounts, they are different payment methods. Though generally more expensive and less versatile, wire transfers can be used to send money across borders and send money at any time of day.
ACH VS Real Time Payments
ACH transactions take anywhere from several hours to several business days to clear. If that sounds like too long, some banks and payment services offer Real-Time Payments (RTPs). As the name implies, RTPs settle almost immediately, making them convenient for situations in which you need to pay someone quickly. Transaction fees are similar to those of ACH.
So why wouldn’t you use RTPs all the time? For starters, they’re not as widely available as ACH transactions. The bigger limitation, however, is that RTPs can only be used to credit accounts; debit transactions are not possible. They’re also generally not reversible.
How Do I Find The Best ACH Payment Processing For My Small Business?
Credit and debit card processing is expensive and getting more so all the time. Although based on an older (and slower) payments network, ACH payment processing offers a convenient and more affordable way for your customers to pay you.
When looking for an ACH payment provider, we’d suggest starting with your current merchant account or payment gateway provider.
If you’re just getting started with an online business, we encourage you to be open to accepting as many payment methods as you can. The more options you provide, the better you’ll reach customers. In this case, you’ll want to pick a provider with a good track record of serving businesses like yours, with competitive rates and, ideally, no long-term contract.
Shannon has been writing for Merchant Maverick about small business software and financing since 2015. She started writing professionally about business topics in 2005. Shannon has been featured in the Washington Post, Reader's Digest, US News, MSN, Yahoo Finance, Business Insider, and other publications. She has a bachelor's degree in English from San Diego State University and currently resides in San Diego, California.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
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