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The Best Online ACH Payment Providers For eCommerce

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Rose Holman

Rose Holman

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Rose Holman is a writer, blogger, and educator from Portland, OR with an MA in Teaching from Western Oregon University. She enjoys educating SMB owners about the complicated (and notoriously sketchy) world of payment processing. Since starting at Merchant Maverick in 2016, she has also added eCommerce software to her areas of expertise.
Rose Holman

We've done in-depth research on each and confidently recommend them.

We've done in-depth research on each and confidently recommend them.

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7 Comments

Responses are not provided or commissioned by the vendor or bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the vendor or bank advertiser. It is not the vendor or bank advertiser's responsibility to ensure all posts and/or questions are answered.

    Christine

    Thank you for your articles…as a start up service business (and with others in my category I am searching for a solution for all of us) this is the dilemma/question. As contractors for an institute, the institute has instructed we bill them through PayPal invoice. Where we are all start-up practices, many with manual to a variety of different invoicing systems, we’re looking for the possibility of receiving the contracted rate without the fees debited that PayPal charges. Is this possible or is the moving of money always with a cost? Your article on Zelle was helpful although the institute banks with a non-participating bank. Grateful for your anticipated help🙏

      Jessica Dinsmore

      Hi Christine!

      For businesses, moving money, accepting payments, etc. will almost always cost money. Accepting credit card payments will always cost money because the banks demand a cut. It’s just a matter of whether a business accepts it as part of doing business, or if they can and choose to pass those costs onto the customer. It’s a lot harder to pass on those fees in a B2B space, unfortunately. You could take a look at Dharma or National Processing, who might have invoicing solutions where you can potentially get lower interchange rates, as well.

        Curtis Valenzuela

        National Processing charges the following:

        Setup Fee: $25.00
        Monthly Fee: $15.00
        Transaction Fee: Payments above $5,000.00 is 1%

        The information in the chart above is incorrect.

          Jessica Dinsmore

          Hi Curtis!

          Good catch and thanks for pointing it out! We’ll be updating the entire article soon. Stay tuned!

            We've done in-depth research on each and confidently recommend them.

            David

            HI Rose, I’ve read a few of your ACH / echeck articles, very educational and super helpful. I’m in need of a good invoice/payment solution for our clients. Unfortunately i’m having a difficult time in finding the right solution for our business. 90% of our business has avg invoice size > $140k, 10% of our business has invoices avg $8k. Our bank does not have a great solution. Quickbooks (not our primary solution) can not process payments/invoices > $50k. Any ideas? Your advice would be greatly appreciated.

              Emily Hale

              Hi, David!

              Thanks for your question; we have a few recommendations that may be a good solution for you! PaymentCloud may be a great fit because historically they do well with these types of higher ticket transactions. A few other great options you may want to look into are National Processing and Dharma, mainly because they have a great team who would be helpful in finding a solution for you, or pointing you in the right direction if nothing else. Best of luck in finding the right fit.

                David Brandt

                Awesome, thanks Rose!!!!

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