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Bank payments for the orders where card fees hurt.

ACH costs a flat fee rather than a percentage, which changes the maths entirely once an order passes a few hundred dollars. Offer it beside card at checkout and let the buyer choose.

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Included in Pro and above. Available in the United States through NMI enabled ACH.

What you get

A second payment method at checkout, handled with the same care as the card path.

Bank debit at checkout

Account number, routing number and account type, validated before the request is sent so obvious typos never reach the gateway.

Stored bank accounts

Save a verified account to the Customer Vault so a repeat buyer or a subscriber does not re-enter it.

Personal and business accounts

Checking or savings, consumer or corporate SEC codes, selected per order type.

Order status that reflects reality

ACH is not instant. Orders sit in a pending state until the debit clears rather than jumping straight to processing.

How it works

Three things happen between the buyer choosing bank transfer and you shipping.

  • Buyer enters bank detailsRouting and account number are checked for length and checksum, then sent to the gateway. Nothing is stored on your server.
  • Gateway accepts the debitAn acceptance is not a settlement. The order moves to on hold with the transaction ID recorded, and the customer sees a clear note about timing.
  • The debit clears, or it returnsMost clear within a few business days. A returned debit needs to flip the order back, which is what the planned return handling does automatically.
Order #10593, ACHPending clearance
MethodACH debit
AccountChecking ….6789
SEC codeWEB
Submitted02 Sep
Expected05 Sep
Amount$1,240.00
Mark clearedVoid

Worth knowing

ACH is cheaper, not simpler. These are the parts merchants underestimate.

Ask support

Returns are the real work

An eCheck can come back days after you shipped, with codes like R01 for insufficient funds. Automatic return handling is on the roadmap, and until it ships you should reconcile ACH orders against your gateway before dispatching high value goods.

How long does an ACH payment take to clear?
Typically two to five business days depending on your processor and the SEC code. Set expectations at checkout and hold fulfilment for high value orders until it clears.
Is ACH available outside the United States?
No. ACH is a US bank network. For other countries the card path remains the option, or a local method your processor supports.
Can subscriptions renew by ACH?
Yes, with the Enterprise plan. The stored bank account is charged on schedule like a card, though the clearance delay applies to every renewal.
Can I refund an ACH payment?
Yes, as a credit back to the same account. It is slower than a card refund and cannot be voided once submitted.

Related

Other parts of the plugin people read next.

Customer Vault

Store bank accounts and cards as tokens for repeat purchases.

B2B and wholesale

Where ACH usually pays for the licence in a single order.

ACH documentation

Setup, SEC codes and what to test in sandbox.

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