ACH payment providers
ACH: companies, offers and requests that work with this method.
Dedicated accounts, ACH/EFT and cards wanted for US and Canada high-risk merchants
High-risk merchants in the US and Canada need large-capacity ACH/EFT processing, credit card acceptance and dedicated merchant accounts. The clients are B2B iGaming businesses, and the company name…
Looking for:Payment providers
Cliq recruits agents, ISOs and ISVs for processing
The Cliq partner program recruits agents, ISOs and ISVs to sell processing to merchants. Partners get tools to work with clients under their own brand and manage their portfolio. Who is wanted…
Looking for:TeamsTradersPayment providers
Alternative Payments pays 10% revenue share for B2B clients
The Alternative Payments partner program invites consultants, integrators and B2B partners to recommend its business-to-business payments platform to their clients. What the platform offers B2B…
Looking for:Payment providers
Fintech startup seeks BaaS with ACH, cards and KYC/KYB via API
A founder is looking for a fintech BaaS provider for a product they are building in-house. They need a provider for issuing cards, sending and receiving ACH transfers, opening accounts with dedicated…
Looking for:Payment providers
Commercial cleaning business seeks low-cost ACH debit on due date
A commercial cleaning business is looking for ACH debit for cleaning services — an affordable tool that pulls money from the client's bank account on the due date. This is done by hand today, and the…
Looking for:Payment providers
Web agency wants automatic monthly collections via ACH
A web, SEO and PPC agency needs ACH billing for agencies so that monthly payments arrive on their own. Right now staff chase clients about invoices every month, and the owner wants that to stop…
Looking for:Payment providers
Fantasy sports dues platform needs a new processor after a rejection
The service collects entry fees for fantasy sports leagues and distributes the money at the end of the season. The provider the team had planned on declined, so it now needs a new processor. How…
Looking for:Payment providers
Bull City Boudoir photo studio seeks a Square replacement
Bull City Boudoir, a photography studio in Durham, North Carolina, is looking for a Square replacement for a photography studio. One provider should cover several flows: in-person mobile sales…
Looking for:Payment providers
Logistics firm BFN Solutions seeks ACH auto-pull for clients
BFN Solutions, a small logistics and fulfillment company in Los Angeles, is looking for ACH auto-pull for logistics invoices. Its clients are billed monthly, and the company wants to debit their bank…
Looking for:Payment providers
US B2B company needs a dedicated merchant account with L3 and Authorize.net
A US B2B company wants to move off Stripe and is looking for a dedicated merchant account. The setup must work with Zoho Billing through Authorize.net and support recurring payments and Level 3 card…
Looking for:Payment providers
French service provider chooses how to collect monthly USD from US clients
A French sole proprietor provides services to clients in the United States and is choosing how to collect their monthly payments in dollars. The options under comparison are Wise Business, ACH debits…
Looking for:Payment providers
USD business banking for US-registered companies
USD business banking for companies registered in the United States: dollar accounts, payments and cards in one service. Some companies with foreign founders can qualify too. The offer was published…
Looking for:Merchants
Property manager seeks ACH and cards for an in-house tenant portal
A property manager wants to replace Yardi Breeze and RentCafe with an in-house tenant portal and is looking for rent payment collection over ACH and cards. The current shortlist pairs Dwolla for ACH…
Looking for:Payment providers
Canadian platform for international business payments
A Canadian platform gives companies accounts in several currencies and local account details in three regions at once: Canada, Europe and the United Kingdom. It claims coverage of more than 180…
Looking for:Merchants
Healthcare client with $13M a year seeks a cheaper processing API and ACH
A fractional CTO is sourcing a healthcare payment processing API for a client that wants to pay less than it does on Stax today. The brief is a bare-bones processing API without extra layers, plus…
Looking for:Payment providers
Advance seeks banks and payment infrastructure for US insurance
Advance insurance payments for agencies need specialised banking, so the platform is looking for banks willing to serve the insurance sector and for payment infrastructure providers. The legal entity…
Looking for:Payment providersTeams
By country
What ACH is
ACH (Automated Clearing House) is the US network for bank-to-bank transfers. It handles payroll, bill payments, subscriptions and B2B invoices. Merchants use two directions: ACH debit (you pull funds from the customer's account with authorisation) and ACH credit (you push money out — payouts, refunds, vendor payments). Same Day ACH speeds up settlement for eligible transactions; standard ACH usually settles in one to three business days.
Why merchants accept ACH payments
- Lower cost than cards for large or recurring tickets — fees are often flat or capped instead of a full percentage.
- Recurring billing: rent, utilities, insurance, SaaS and service businesses on recurring payments.
- B2B: invoices that are too large for cards.
Risks: returns and disputes
ACH has no chargebacks in the card sense, but it has returns: insufficient funds, closed account, or an "unauthorized" claim. Consumer unauthorized returns can arrive weeks after the debit. That is why ACH for casino, high-risk or first-time customers needs bank account verification (instant account verification via open banking or micro-deposits) and sometimes delayed release of funds.
How to accept ACH payments
- 1.Choose an ACH payment provider or PSP with a US sponsor bank.
- 2.Collect authorisation (online mandate wording) and verify the account.
- 3.Integrate the ACH API or a hosted checkout; set up webhooks for returns.
ACH payouts
An ACH payout API is common for marketplaces, gig platforms and affiliate programmes. Ask about batch files vs API, Same Day ACH windows, and fees per payout.
What to compare
- Per-transaction fee, cap, and return fees.
- Settlement time and reserve policy.
- Accepted verticals and onboarding requirements for non-US companies.
This page lists {count} companies with ACH. See ACH in the US and Canada, direct debit, PSPs in the US and payouts. Compare offers or post a request.