ACH Pay | ACH Payment Processing Solutions

Getting started with our ACH processing solution is easy, and starts with getting in touch with us.

Who are ACHPay

ACHPay is an international payment services provider that offer ACH processing technologies and solutions.

We work directly with ODFI’s based within the US and US territories to offer full-service ACH processing services to US-based merchants in a variety of industries and sectors.

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What is ACH

Automated Clearing House (ACH) payments are a type of electronic funds transfer (EFT) that make sending funds between US bank accounts easier than traditional, paper-based methods, and typically at lower costs.

ACH payments are nothing new, having existed for over 40 years, and are facilitated over the Federal Reserve operated ACH network, a network that is governed by the National Automated Clearing House Association (NACHA) and their operating rules. These rules layout the means by which the clearing of interbank electronic payments work for depository financial institutions that participated in the network.

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ACH Processing Benefits

ACH processing offers a wide range of benefits to companies and their customers alike over other, traditional methods of payment such as paper-based checks, or credit/debit cards, both payment methods that are typically far more expensive to process than ACH payments.

Some of the main benefits of ACH processing include being both more likely to get paid, and to get paid faster, lower payment processing fees, and increased convenience for both companies and consumers alike.

In addition to these benefits, ACH processing can also help to increase your customer base, allowing you to include those consumers who would otherwise be unable to use your services, such as the 10 million US consumers who don’t have a credit card.

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Increase Productivity

ACH payments can mitigate risk of identity theft associated with paper-based checks, increasing security of customer payments.

More Convenient

ACH recurring payments require a once off authorization for all future recurring payments, making them more convenient for you and your customers.

Lower Transactional Costs

ACH payments typically have lower transactional costs compared to other payment methods, which can carry far higher processing fees.

Better Access to Funds

Unlike paper checks, which can take up to 5 business days to clear, ACH payments can make funds accessible and ready to use by account holders must faster.


Here are the most common questions people ask us about ACH payments

What is ACH processing?

ACH (Automated Clearing House) processing is an electronic payment method that enables the transfer of funds between both savings and checking accounts.

In Q1 of 2015 a total of $4.7 billion in ACH transactions were processed through the ACH network. There are hundreds of thousands of companies that utilise the ACH network for all manner of payments, including but not limited to direct deposit payroll, federal government social security payments, insurance premiums, mortgages, loads and utility bills.

The ACH network has existed for over 40 years, being setup as a more convenient, cost-effective alternative to paper-based checks, and has since proven itself to be a reliable, safe and secure private payment processing network.

How do ACH payments differ from eChecks?

ACH payments work similarly to electronic checks (eChecks) however where they differ is that an ACH payment transfers funds between bank accounts, via either credit or debit and offer recurrent billing, whereas eChecks are limited to single, on-time electronic payments.

Which sectors are ACH payments best suited to?

ACH payments are ideal for companies that need recurring payments, such as memberships, monthly bills or other subscription-based services. This makes ACH payments particularly beneficial to numerous sectors, particularly in the public sector, healthcare, financial institutions, property management companies and utility providers.

Can payroll and vendor payments be made through ACHPay?

Yes, our ACH payment processing solution supports WEB, PPD and TEL initiated transaction.

How long do funds received after debiting an account take to settle?

The period for the settlement of funds is dictated by the banks we have relationships with, and subsequently can vary depending on which bank is used.

Which file formats can ACH batch submissions be sent in?

We accept .csv files formats and standard NACHA field formats.

Are ACH payment transactions secured with our solution?

Yes, all of the ACH payment transactions we process are secure, being submitted through our PCI Level One and SOC compliant technology systems.

Are there any hidden fees for ACH processing?

No. We’re entirely transparent with our clients, giving them full details of all the fees and costs associated with our ACH payment processing solution at the time of setup.

What does ACH payment processing cost?

To find out more about our ACH processing solution, our setup process and what it costs, please get in contact using our contact us form. Once we receive your request one of our sales advisors will be in touch to provide you with all the information that you need.

How do I sign up for ACH processing services from ACHPay?

To sign up with us for ACH processing you’ll need to first get in touch using the contact form provided within the contact us section of our website. Once we hear from you, one of our ACH sales advisors will be in touch to take you through the setup process.

How long does it take for the Bank to underwrite the solution?

It takes around 36-48 hours for the bank to review and approve your application once we’ve received all of the information and support documentation required by the bank for approval.

To start the sign up process with us please contact us via the enquiry form on our contact us page.

Once approved, how soon can we begin to submit transactions for processing?

Once your ACH processing application has been approved and a live test transaction has been both processed and settled, you’ll be able to submit ACH transactions to us for processing immediately.

What are ACHPay’s ACH processing Terms & Conditions?

All Terms and conditions are outlined in the Origination agreement.

What am I required to do with transaction authorizations?

You’re required to keep customer authorizations for a period of at least 2 years from their effective date, as outlined within NACHA’s rules. This includes both written and verbal authorizations.

How can I confirm that an ACH payment has been processed successfully?

To confirm if an ACH payment has been successfully processed or not, simply login to our web-based reporting tool. If you experience trouble when attempting to login to this tool, please contact our ACH processing support team for assistance.

How long do ACH credit payments take to process?

Credit transactions are typically settled within 1 business day after they’ve been submitted for processing.

What happens if an ACH transaction is rejected?

ACHPay utilises a portfolio of scrubbing solutions that work to mitigate the risk of unauthorized and administrative returns.

What is displayed on customer bank account statements when processing ACH payments with ACHPay?

Merchants are able to select a billing descriptor of their own choosing for the transactions they process.

Are customers able to charge back ACH payments?

Yes, customers can charge back payments, specifically unauthorized transactions, however the rate at which unauthorized transactions are received are significantly reduced with better managing proper authorization from customers before processing ACH payments.

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Please contact us using the form below to find out more about our ACH processing solutions and how you can sign up with us for them

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Getting started with our ACH processing solution is easy, and starts with getting in touch with us.