Get paid by bank transfer for 20 cents.
ACH moves money straight from your customer’s bank account to yours. No card network and no percentage of the invoice, just a flat fee per payment. On big jobs, it’s the cheapest way there is to get paid.
- No percentage of the invoice, ever
- One-time and recurring payments
- Works alongside your card processing
- Pairs with QuickBooks Online invoicing
The bigger the invoice, the more ACH saves.
A card fee is a percentage, so it grows with every dollar you bill. ACH is flat. Slide the invoice amount and watch the gap.
You keep — more on this one invoice.
ACH is $15/month + $0.20 per transaction. A single ~$507 invoice paid by ACH instead of card covers the whole month.
Card vs. ACH on a single invoice
Card fees shown at a typical 3%. ACH shown at $0.20 per transaction.
| Invoice | Paid by card | Paid by ACH | You keep |
|---|---|---|---|
| $500 | $15.00 | $0.20 | $14.80 more |
| $1,000 | $30.00 | $0.20 | $29.80 more |
| $2,500 | $75.00 | $0.20 | $74.80 more |
| $5,000 | $150.00 | $0.20 | $149.80 more |
| $10,000 | $300.00 | $0.20 | $299.80 more |
| $25,000 | $750.00 | $0.20 | $749.80 more |
Best for the payments where a percentage hurts most.
Big jobs & installs
System replacements, repipes, hardscapes. The bigger the invoice, the bigger the savings.
Deposits & progress payments
Collect a deposit before you order equipment, without paying a percentage on it.
Commercial accounts
Property managers, builders, and HOAs that pay by check today can pay by ACH instead.
Recurring autopay
Maintenance plans and monthly contracts drafted automatically for twenty cents each.
Replacing paper checks
No more trips to the bank, lost checks, or waiting for the mail.
QuickBooks invoices
Give QuickBooks Online customers a low-cost way to pay right from the invoice.
Questions we hear every day
Don't see your question? Ask us directly — there's usually a solution, even for the exceptions.
What does ACH cost?
ACH is $15 a month plus $0.20 per transaction. That’s it — no percentage of the invoice. On a $5,000 job, that’s twenty cents instead of roughly $150 on a card.
How long do ACH payments take?
ACH payments move through the banking network, so they typically take a few business days to settle, longer than a card. That’s why ACH is best for invoices, deposits, and recurring billing rather than at-the-counter sales.
Should I still take cards?
Yes. Most businesses offer both. Cards are best for paying on the spot, and with dual pricing or surcharging the card fee is covered. ACH is best for large or recurring invoices. We’ll help you set up both so customers can choose.
Can I charge customers automatically every month?
Yes. With the customer’s authorization, you can store a card or bank account on file and schedule payments weekly, monthly, quarterly, or annually — ideal for maintenance agreements, service plans, and memberships. Recurring ACH keeps the cost to twenty cents per payment.
I use QuickBooks Online. How hard is it to switch?
It’s the easiest setup we do. Our processing plugs right into QuickBooks Online, so you keep invoicing exactly the way you do today. Customers pay from the invoice, and payments post back to QuickBooks automatically — no double entry.
Move your big invoices to ACH.
Send us a recent processing statement — or just your monthly card volume — and we’ll show you, side by side, what dual pricing, surcharging, and a lower rate would put back in your pocket.