ACH / eCheck Payments — Autharize

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ACH & eCheck Payment Processing

Accept bank transfers directly with lower fees, no chargebacks, and same-day settlement options.

Start Accepting ACH

Why Choose ACH Processing?

Bank-to-bank transfers that save you money and reduce fraud risk.

Lower Processing Fees

ACH transactions cost a fraction of credit card fees — typically $0.25–$1.50 flat per transaction.

No Chargebacks

ACH payments have significantly fewer chargebacks than credit cards, protecting your revenue.

Recurring Billing

Perfect for subscriptions, memberships, and installment plans with automated recurring ACH debits.

Bank Account Verification

Instant bank account verification via micro-deposits or Plaid integration to reduce returns.

Same-Day ACH

Same-day and next-day ACH options available for faster settlement and improved cash flow.

Easy Integration

Simple API and hosted payment pages make ACH integration fast for any platform or CMS.

Return Management

Automated return handling and retry logic to recover failed ACH transactions automatically.

Scheduled Payments

Schedule one-time or recurring payments in advance with full calendar control.

Detailed Reporting

Track every ACH transaction, return, and settlement in your real-time merchant dashboard.

NACHA Compliant

Fully compliant with NACHA operating rules and regulations for ACH network participation.

Common ACH Use Cases

B2B Payments

Collect large invoices from business clients at a fraction of card processing costs.

Subscription Billing

Automate monthly or annual subscription charges directly from customer bank accounts.

Mortgage & Rent

Collect recurring rent or mortgage payments reliably with automated ACH debits.

Payroll & Disbursements

Pay employees or contractors via ACH direct deposit quickly and affordably.

Get Started Today

Ready to Start Accepting Payments?

Apply in minutes. No long-term contracts, no hidden fees. Get a dedicated account manager and start processing the same day.